Paysera review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Paysera suits business users who want a multi-currency Visa card and will accept a small monthly charge. It is a business-first provider, trading in 30 currencies with a virtual card option, at a monthly fee of €1. The trade-off is clear: card convenience in exchange for a recurring cost.
Key facts
- Best for
- Business accounts paying and collecting in several currencies.
- Monthly fee
- €1 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Currencies
- 30 (Source, checked September 26, 2026)
- Legal entity
- "Paysera LT", UAB (Source, checked September 26, 2026)
- Headquarters
- Lithuania (Source, checked September 26, 2026)
- Founded
- 2004 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
- Audience
- Business
- Official website
- paysera.com
Credit cards
- Rewards type
- None (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- "Paysera LT", UAB (Source, checked September 26, 2026)
- Headquarters
- Lithuania (Source, checked September 26, 2026)
- Founded
- 2004 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
- Audience
- Business
Pros and cons
Pros
- Multi-currency account covering 30 currencies, with a virtual card and travel features listed
- A debit card on the visa network, usable at mainstream ATMs and points of sale
- Support runs on phone and help centre
- Regulated in Lithuania, with the licence recorded as 53
Cons
- A monthly fee of €1 applies where the site median is €0
- Rewards on this card are none
Who it suits
- Business owners holding a European entity that pays suppliers in other currencies
- Teams that need a virtual card for online subscriptions and expense control
- Frequent business travellers paying in a mix of currencies
Who should look elsewhere
- Anyone wanting a free card, since Wise and Chime Card both charge £0 and $0
- Shoppers after rewards, as Paysera pays none
- US customers, since Varo Believe Secured Credit Card serves that market
Deposit protection
Paysera holds a licence from the Bank of Lithuania, listed with the reference 53, and appears in the European register under PSD_EMI LT_LT_BL_300060819. Both entries sit with the Lithuanian regulator, so the account is supervised at home rather than through a passporting arrangement. The listed protections are those attached to that licence.
The company behind it
Paysera is run by "Paysera LT", UAB, based in Lithuania and founded in 2004. The business is the focus: the audience is business, and the card is pitched at company spending rather than personal banking. Support runs on phone and help centre, so help goes by phone or through the help centre. Supervision rests with the Bank of Lithuania under 53.
How Paysera compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.2
8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
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8.9 vs 9.2
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
8.9 vs 9.6
8.9 vs 9.4
8.9 vs 9.4
8.9 vs 9.2
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8.9 vs 9.1
8.9 vs 9.1
8.9 vs 9.1
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8.9 vs 8.8- 8.9 vs 8.8
- 8.9 vs 8.8
8.9 vs 8.8- 8.9 vs 8.8
8.9 vs 8.5
8.9 vs 8.5
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8.9 vs 8.3
8.9 vs 8.2
8.9 vs 8.0
8.9 vs 8.0
Where Paysera is available
- Licence in Lithuania
- Bank of Lithuania (53), checked September 26, 2026
- Licence in Lithuania
- LT_BL (PSD_EMI LT_LT_BL_300060819), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia
Frequently asked questions
What does Paysera charge each month?+
The monthly fee is €1. That is the only recurring cost the brand lists, and it sits above the €0 median across the cards compared here. Readers who want no monthly charge should look at a free card instead.
How many currencies can a Paysera account hold?+
A Paysera account covers 30 currencies, which is the point of the multi-currency feature. Holding balances in more than one currency reduces the need to convert before paying a supplier or employee.
Is Paysera regulated, and by whom?+
Yes. The Bank of Lithuania is the regulator and the licence is listed as 53. Paysera also appears in the European register under PSD_EMI LT_LT_BL_300060819, with the operating entity given as "Paysera LT", UAB.
What kind of card does Paysera issue?+
The card is a debit card running on the visa network, so it works at ordinary ATMs and points of sale. A virtual card is also offered, which suits online subscriptions and expense tracking for a business account.
Does the Paysera card earn anything?+
No. Rewards on the card are none, so spending earns nothing back. Holders who want cashback or points on everyday spend should compare a rewards card rather than a business account.
Who is a Paysera account built for?+
The audience is business, so the account is aimed at companies and their spending rather than personal banking. It suits a business holding a European entity that pays abroad, especially with a virtual card for staff and subscriptions.
How can you reach Paysera support?+
Support runs on phone and help centre, meaning a phone line and a help centre. There is no branch network listed, so questions about card limits and currency holds are handled remotely.
Where is Paysera based, and how old is it?+
The company is "Paysera LT", UAB, registered in Lithuania, and was founded in 2004. Being a long established Lithuanian business is the main comfort factor for readers weighing an unfamiliar name.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=LT_LT_BL_300060819; EntityType=PSD_EMI; ENT_NAM="Paysera LT", UAB”
- paysera.com/v2/en/about checked September 26, 2026
Backs: Audience, Founded, Support channels
“Our private and business clients enjoy fast, secure, and fairly priced financial services”
- paysera.com/v2/en/blog/free-bank-card checked September 26, 2026
Backs: Monthly fee
“Monthly fee: 1 EUR for the first card”
- paysera.com/v2/en/fees/currency-conversion-calculator checked September 26, 2026
Backs: Currencies
“You can exchange money to and from almost 30 currencies”
- paysera.com/v2/en/fees/payment-card-fees checked September 26, 2026
Backs: Card type, Card network, Rewards type
“Fees for physical and digital Visa cards”
- paysera.com/v2/en/paysera-account checked September 26, 2026
Backs: Card kind, Features
“A digital Visa payment card for safe payments”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.