Genome: fees, currencies and how to apply.
EU accounts, card issuing and merchant tools in one dashboard
- 2-7 days
- Time to open
- 4.2
- Advisor score
- Paid plan
- Monthly cost
- Time to open
- Typically 2-7 days
- Currencies
- EUR, GBP, USD and multi-currency balances
- To open
- No minimum; free plan available, paid tiers from about EUR 15
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What Genome actually is
Genome is an e-money institution licensed by the Bank of Lithuania, not a bank. It combines SEPA and SWIFT payments, sub-accounts, card issuing and merchant acquiring tools in a single dashboard at a price small teams can carry.
It suits EU companies and online merchants that want both a payment account and a way to accept payments, without stitching together two providers.
Fees and pricing
Checked against the provider's published pricing in September 2026. Figures vary by country and plan.
- Monthly fee
- Free plan available; paid tiers from about EUR 15
- Minimum to open
- None
- SEPA transfers
- From about EUR 0.50 each
- SWIFT transfers
- From about EUR 20
- Currency conversion
- Around 0.5% to 1%
- Cards
- Physical and virtual card issuing included on paid plans
Where it works well
- EU licence with a free entry plan
- Accounts, card issuing and merchant tools together
- Fast onboarding for straightforward EU companies
Watch out for
- An e-money institution, so funds are safeguarded rather than insured
- Support depth is lighter than the larger providers
- SWIFT pricing is high relative to peers
Who can open it
- A company registered in the EEA or a supported third country
- Online merchants must pass a website and refund policy review
- Gambling, unlicensed finance and adult content are declined
Documents to prepare
- Certificate of incorporation and company registry extract
- Passport and proof of address for every director and owner above 25%
- Description of the business, customers and expected monthly volumes
- Website URL with terms and refund policy
- Processing history for merchant services
Ready to apply to Genome?
Have the documents above ready and the application usually takes under 20 minutes.
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