Secure account and
a high limit virtual card
for fiat and crypto

Personal
  • EUR IBAN in your name
  • Available to residents of 150+ countries
  • Card works anywhere Visa® is accepted
  • Account in 2 minutes

One account
for daily payments and transfers

Receive money from friends, employers, and platforms. Send to people or businesses — for bills, purchases, or everyday needs.

Fiat and crypto accounts

Keep and manage your money across 10+ currencies, including EUR, USDC, BTC, and ETH, without jumping between apps. See your total balance across all your assets and exchange currencies right in the app with transparent rates.

100% remote

Sign up and verify your identity from your phone or computer. No office visits, no paperwork.

Virtual cards

Your virtual card is linked to your wallet. Pay online or in-store with automatic conversion at checkout.

Individuals user flow
open account
Checking your 
documents
Congrats! You can now use IBAN accounts
for fiat currencies
Registration
  • ● Fill in basic details
  • ● Pass verification with your documents and selfie
Individuals user flow
Choose
payment details
bitcoin icon svg
BTC
1.90 BTC
Scan QR code
to get funds
Choose
payment details
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EUR
400 €
Currency
Currency
Account #
GB9287...9235
Bank name
Barclay’s
BIC
BUKBGB22
Copy account
details
EUR
Deposits
  • ● Choose SEPA or crypto
  • ● Receive payments
Individuals user flow
argentina flag svg
Argentine pesos
bitcoin icon svg
BTC
euro icon svg
EUR
uae flag svg
AED
DAI (ERC-20)
You send
Recipient gets
0.0 BTC
~0.03 BTC
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Send via SEPA
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Send to my account
Individual
Business
Transfer request
accepted
Withdrawals
  • ● Choose SEPA or crypto
  • ● Add recipient (person or business)
  • ● Send funds
Individuals user flow
keytom icon small svg
Keytom manager
Here for you 24/7
Hey, I need to send a large payment
to my supplier. Can you help me do it
fast and keep the fees low?
keytom icon small svg
Personal Manager
Absolutely. I’ll help you sort it out and find the most efficient option for your transfer. Just send me the recipient details, and I’ll take care of the next steps with you.
Also, I need to convert some
USDC to EUR before the end
of the day. Is that possible?
keytom icon small svg
Personal Manager
Yes, I can help with that right now. Just confirm the amount and I'll walk you through it.
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Message
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Personal Manager
  • ● Dedicated support for balances over $100K
  • ● Help with payments, transfers, and any account questions
  • ● Priority access with faster response times
Silhouette of a person with no visible facial features wearing a collared shirt.

Client: Expat in Spain needing a named EUR account to receive salary and pay rent

challenge
with Keytom:

Getting a EUR IBAN required in-person visits and extra documentation, causing repeated delays.

They signed up remotely, got a named EUR IBAN, and can now receive salary and pay bills via SEPA — all from one account.

Client: Freelancer earning in crypto with everyday expenses in EUR

challenge
with Keytom:

Getting paid in crypto was easy — spending it wasn't. Converting to EUR meant jumping between a wallet, an exchange, and a payment account, with extra fees at every step.

They keep income in crypto and convert to EUR directly in the app when needed. SEPA transfers and card payments — all from one place.

Client: Remote contractor receiving payments from EU and US clients in different ways

challenge
with Keytom:

Some clients paid by bank transfer, others in crypto. Funds were spread across multiple services, conversions required extra steps, and tracking total income was difficult.

They receive EUR to their IBAN and crypto to their accounts in one app, convert when needed, and send payments from the same place.

Client: High-balance individual needing flexibility for large global operations

challenge
with Keytom:

Large international payments triggered delays and additional checks. When timing mattered, slow support and queues made it worse.

They use a named EUR IBAN for transfers, hold crypto for additional flexibility, and spend with a virtual card supporting limits up to $150,000 per transaction. Priority support through a personal manager when it's needed most.

Client: Online seller and creator receiving payouts from multiple platforms

challenge
with Keytom:

Platform payouts and affiliate income arrive at different times, sometimes in different currencies. Moving money to the right place for subscriptions, ads, and tools meant manual transfers and extra steps.

They receive payouts to their EUR IBAN, hold part of the balance in stable assets when needed, and pay for services directly from the same account.

Clients’ сases

Personalized pricing for all your needs

Select country of residence
We’re not able to onboard you right now, but leave your contact and we’ll reach out once we’re able to support you.*
*The final onboarding decision is made by our compliance team based on internal policies.
Account opening
Free
SEPA/SEPA Instant in
0.5%
SEPA/SEPA Instant out
1%
Crypto withdrawals
0.1%
1.5%
EUR ↔ Crypto
Crypto ↔ Crypto
0.25%
open account
Virtual card issuing
Free
Monthly card fee
10 USDC
ATM withdrawal
2% + 0.88 USDC
Card payments
1% + 0.63 USDC
Non-USD FX fee (applies to both ATM withdrawal and card payment)
1.35%
open account
Thanks! We’ve got your details!
We’ll let you know once onboarding becomes available 

for your country and industry.
Oops! Something went wrong while submitting the form.

Your assets are protected

Crypto assets insured up to 100M USD via Fireblocks (Marsh, Munich Re)
Fiat funds held in segregated accounts, aligned with FINTRAC and FATF standards
Accounts are in your name. You legally own your funds
Registered as MSB #M22767824 under FINTRAC (Canada)
PRAA registration in process under the Bank of Canada supervision

FAQ