One Financial Institution for your crypto and fiat

Most customers get started in minutes, once verification is complete

Send and receive money in EUR, USDC, BTC, ETH and 10 more

Available for customers all around the globe*

Start in minutes

*Able to onboard customers residing in 100+ countries

As seen on

Perfect for

Freelancers whose customers are around the globe

Immigrants from complicated countries with residence permit in 100+ countries

HNWI who value their time and privacy

And millions others who have their own reasons

SEPA, SEPA Instant and Crypto - all in your pocket

→ Get paid for work, pay for live - on the go
→ 0.25-0.5% commissions
→ Convert instantly when needed within crypto or using Euro

→ Client crypto assets are insured up to $100M — backed by institutional-grade coverage through Fireblocks infrastructure (insured by Marsh and Munich Re).

→ Fiat funds (EUR) are fully protected — held in segregated accounts, legally separated from company assets, in compliance with FINTRAC (Canada) and FATF regulations.

→ You own your funds. Every account is legally registered in the client’s name, fully aligned with FINTRAC’s Recordkeeping Policy and the PRAA (Retail Payment Activities Act) standards.

Fiat Accounts & Crypto accounts

Cards (coming soon)

Account opening

Free

Virtual card issuing

10 EUR

SEPA/SEPA instant in & out

0.5%

Monthly card fee

10 EUR

Crypto in & out

0.1%

ATM withdrawal

1.5% + 2 EUR

EUR/Crypto exchange

0.25%

Card payments

1.8% + 2 EUR

Crypto/Crypto exchange

0.25%

Non-USD FX fee

Keytom virtual card.
Spend crypto like cash.

Auto-conversion, no hidden fees, and real-time balance updates from your crypto wallet. Perfect for freelancers, digital nomads, and travelers who want financial freedom — without the fiat friction.

Use crypto
like fiat

Spend your USDC instantly — online, in stores, or on subscriptions. Simple as cash.

Automatic conversion

We convert crypto to local currency at checkout. No exchanges, no delays.

No hidden
fees

Clear pricing, no surprises. Transparent fees with zero markups or extra costs.

Real-time
sync

Top up your crypto wallet and your card updates instantly. Fast and automatic.

Global
acceptance

Use it anywhere works — in shops, apps, or while traveling the world.

Big purchase friendly

High daily limits, set to match your lifestyle. Book flights, pay rent, buy what you need.

Built-in
security

Protected with 3D Secure and your mobile wallet. Safety comes standard.

For freelancers
& nomads

No frozen accounts or slow wires. Your money moves with you, always.

SOON

High daily limits, set to match your lifestyle

→ Enjoy generous spending power that grows with your account
→ Pay anywhere international card payments are supported
→ Apple Pay and Google Pay support

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“I didn’t expect much at first, but Keytom turned out to be a really cool app. It’s super intuitive, and setting up my account was a breeze. Transferring euros with no commission! Thank you team!”

Maria

Spain

“Tried Keytom on a friend’s recommendation, and I’m glad I did. The transfers are, and the design is clean and simple. No fee for euros and minimal for crypto? It doesn’t get better than this!”

Aiko

Germany

“I don’t usually write reviews , but Keytom deserves it. Whether I’m paying in euros or crypto, it’s fast and stress-free. Plus, it’s great knowing I’m not being overcharged on fees. Big thumbs up!”

Patricia

Portugal

Our partners

We collaborate with industry leaders to deliver unparalleled security and convenience

Your money is safe

Navigate and comply with diverse regulatory environments, easing risk management.

Running a business?

Stay ahead with crypto-to-fiat operations — instant payments, minimal commissions. We turn cryptocurrencies into your competitive advantage.

Frequently asked questions

What is Keytom?

Keytom is a financial institution that operates exclusively online. We offer all the services, such as checking accounts, savings accounts, but without physical branches.

How do I sign up for Keytom?

You can sign up for Keytom through our mobile app or on the website. Simply download the app, follow the instructions to set up your account, and you'll be ready to start managing your money.

Can I transfer money instantly with Keytom?

Yes, with Keytom, you can transfer money instantly to anyone with a Keytom account. This makes it easy to send money to friends and family, or to pay bills quickly and securely.

Does Keytom offer cryptocurrency services?

Yes, Keytom offers a range of cryptocurrency services, including the ability to buy, sell, and hold cryptocurrencies like Bitcoin and Ethereum among many other popular tokens.

Is there savings accounts or investment options?

Yes, Keytom offers a range of savings and investment options to help you grow your wealth. You can choose from a variety of investment portfolios, or set up automatic savings plans to help you reach your financial goals.

Does Keytom offer cashback rewards?

Yes, Keytom offers many rewards for our users such as cashback rewards on purchases made with your Keytom card. This is just one of the many ways we've implemented to help you save money.

Is my money safe with Keytom?

Yes, we take online security and fraud protection very seriously at Keytom. We offer both custodial and decentralized accounts, so you can choose the experience that best suits your needs.
Our custodial accounts are fully insured and our systems are designed to keep your money and personal information safe. If you have any issues, our customer support team is available 24/7 to assist you. With Keytom, you can have peace of mind knowing that your funds are secure.

One Financial Institution
for all digital assets

Manage your assets through one interface via a browser or an app with unparalleled convenience.

Not all products and services are available in all geographic areas and are subject to applicable terms and conditions.

Cryptocurrency services are provided legally by Money Services Business KEYTOM SERVICES LTD and Virtual Assets Service Provider Keytom Solutions s.r.o. (hereinafter KEYTOM): KEYTOM SERVICES LTD. under the MSB FINTRAC licence (MSB reg.nr M21788474), registered at 346 Lawrence Ave #202, Office I, Kelowna, BC, Canada, V1Y 6L4 and by Keytom Solutions s.r.o. (registration number 212 34 124) with VASP authorisation in the Czech Republic, registered at Frydlantská Str., No. 1312/19, Kobylisy, ZIP code: 182 0, Prague 8.

Investing in cryptocurrencies carries a high level of risk due to their inherent volatility. The exchange rates of cryptocurrencies can fluctuate significantly, and there is a potential risk of losing your entire investment. Not all products and services offered by KEYTOM are available in all geographic areas and are subject to specific terms and conditions. Eligibility for any particular product or service is at the sole discretion of KEYTOM and keytom.com. The rates for KEYTOM products are subject to change.

It is important to remain vigilant and cautious about potential scams. KEYTOM SERVICES LTD and Keytom Solutions s.r.o. operate exclusively through keytom.com and have no affiliation with other similar website domains. KEYTOM bears no responsibility for any actions taken by the owners of such domains. Keytom.com does not provide services for some countries.

Please be aware that the promotion and/or distribution of products and services offered by KEYTOM (www.keytom.com), including any cards issued under our programs, is strictly limited to the jurisdiction of Hong Kong. All cards are issued exclusively in Hong Kong and are not issued in or under the laws of any other jurisdiction.
This website and its content are intended solely for individuals who are residents of Hong Kong and domiciled in Hong Kong. If you are a non-Hong Kong resident, you confirm that you are accessing this website for informational purposes only, on your own initiative, and without any active promotion, marketing, or solicitation from us. No services, products, or offerings are directed toward, or made available to, persons outside of Hong Kong.
By continuing to browse or use www.keytom.com, you confirm that you have read, understood, and agree with the above, and that you are accessing this website voluntarily and in compliance with all applicable laws.

One Financial Institution for your crypto and fiat

Perfect for

SEPA, SEPA Instant and Crypto - all in your pocket

Keytom virtual card.Spend crypto like cash.

Use crypto like fiat