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Keytom is one account for your everyday money and your crypto. Open a personal or business account, hold euros and crypto side by side, send and receive payments, exchange between them in a tap, and spend with the Keytom card. Everything lives in one simple app.

Yes. Keytom is operated by KEYTOM SERVICES LTD, registered as a Money Services Business (MSB) with FINTRAC in Canada, registration number M21788474. In plain terms, we are a regulated company, and keeping things compliant and safe is part of how we work.

We welcome residents from 150+ countries. There are a few places we cannot serve yet for regulatory reasons, so the quickest way to check is our Customer Acceptance Policy, but most people around the world can open an account.

Keytom offers personal and business accounts.

A personal account gives you a named EUR account for SEPA payments, crypto accounts, and payment cards, all in one place.

A business account gives your company named EUR account details for SEPA payments, plus a named USD account with local US payment details and SWIFT support for international transfers.

Both account types bring fiat, crypto, and cards into one platform, so you can manage money without switching between separate banks, wallets, and apps.

Yes. Keytom is available on both iOS and Android, so you can manage your money and crypto right from your phone.

We are fully digital, so we do not take cash deposits and there are no branches to visit. You can still withdraw cash at supported ATMs worldwide with your physical Keytom card.

Our team is here on business days, from 5:00 to 15:00 UTC. You can reach us any time through the in-app chat, the website, or [email protected], and if you message us after hours, we will reply the next business day.

Over 10,000 people around the world have already joined Keytom, and the community keeps growing every day.

No extra apps needed. You can exchange currencies right inside your Keytom account, in just a few taps.

We currently support ADA, AVAX, BCH, BNB (BSC), BTC, ETH, LTC, SOL, TON, XRP and USDC.

Quick tip: always send a coin using the network shown in your account, since sending on the wrong network can mean the funds are lost for good.

For euros, you can use SEPA and SEPA Instant. For US dollars, you have ACH, Fedwire, and SWIFT.

That covers both quick local transfers and international payments, all from the same account.

You can request them from the receiving bank, or ask us via in-app support chat or [email protected] and we will help you find them.

Yes, your crypto is yours, and you can move it to another exchange or wallet whenever you like. Just double-check the network and address before sending, since blockchain transfers cannot be undone.

An IBAN (International Bank Account Number) is your account's international ID number. It is what lets you receive and send euro payments across EU smoothly, just like any European bank account.

Your EUR IBAN is issued in the UK, and the account is registered in your own name.

Yes. You are the account holder, and all the account details are in your name. Your funds are yours.

Yes. You do not need to be an EU resident, we serve customers in 150+ countries. You can check the short list of places we cannot serve yet on our restricted countries page.

Yes. Your IBAN is third-party friendly, so you can receive your salary, payments from friends, or transfers from yourself, in both euros and crypto.

Yes, a residence permit works for opening an account, as long as it is issued by a country on our accepted list.

Most accounts, both crypto and EUR, open almost right away, usually within 10 to 15 minutes. If yours has not opened after that, just message our support team in-app or via [email protected] and we will help.

Just the basics to keep your account secure: an ID (passport, national ID, or residence permit), a quick selfie, and proof of address. Once in a while we may ask for one more document, but for most people that is all.

Your account works like any other: receive and send money to your conterparties, friends, or yourself, and move funds to and from other banks. Euros and crypto, all in one place.

Every application gets a real review from our compliance team. Sometimes we need a bit more information, or an application does not fit our current policy. If you would like to understand a decision or appeal it, just reach out, we are happy to help.

Yes. You can swap euros to crypto and crypto to crypto right inside the app, with more currencies on the way.

The 'XXX' in a SWIFT/BIC code just means the transfer goes to the bank's main office rather than a specific branch. It does not change your transfer's speed, cost, or anything else, it is simply part of the standard code format.

You can close your account any time, just send a formal request from your registered email. We do keep some records afterwards because regulations require it, but that is standard for any financial service.

Verification is quick and built into sign-up. Just a few steps: pick your country, choose your ID, upload clear photos, take a short selfie, and add proof of address. Once it is approved, your account is fully unlocked, usually within minutes.

Most people are verified within minutes during business hours. Now and then it can take up to 24 hours, but it is usually fast.

Just an ID (passport, national ID, or residence permit), a quick selfie, and proof of address, like a recent utility bill, bank statement, lease, or government letter from the last 3 months. Occasionally we may ask for additional documents during the review process.

Once in a while, yes. Like any regulated service, we may ask for an extra documentation to keep things compliant.

Each and every application is reviewed on its own. If something is missing or does not fit our current policy, we may not be able to approve it. If you think that was a mistake or have questions, just reach out to [email protected] and we will take another look.

For proof of address, a recent utility bill, bank statement, lease, or government letter (within the last 3 months) works. For proof of funds, things like a bank statement, proof of income, a tax return, or a sale agreement. Everyday documents, nothing unusual.

There are no fixed limits on your account. For security and compliance purposes we may sometimes ask about a transaction, but you are not capped by default.

SEPA Instant runs 24/7 and usually arrives instantly, as long as both banks support SEPA Instant.

Standard SEPA transfers usually arrive within 1 to 2 hours during business hours: 07:00 to 18:00 CET on weekdays, excluding weekends and bank holidays. In exceptional cases, standard SEPA transfers may take up to 3 to 4 business days, depending on the receiving bank.

Outgoing crypto transfers depend on the selected blockchain network and network confirmation times.

All fiat and crypto transactions are subject to compliance monitoring and review. In some cases, transfers may take longer if additional checks are required.

A transfer can take a little longer depending on the method, the receiving bank, or routine checks. If something has been pending for a while, just message us and we will look into it.

Your money's safety comes first. Crypto is insured up to $100 million through Fireblocks (underwritten by Marsh and Munich Re), and your EUR and USD funds sit in segregated accounts, kept separate from company money. Add 2FA on every transaction and accounts in your own name, and you are well protected.

No worries. Just send us a request from your registered email and we will help you get back in after a quick verification.

It happens. Send a request from your registered email and, after a quick verification, we will help you regain access.

Sure. Send a request from your registered email and complete a quick identity check, and we will help you reset it.

Send a request from your registered email to [email protected] and we will update your details once we have confirmed it is you.

For your safety, we never send account details by email or message. You will always find everything right in your dashboard.

Keytom offers both virtual and physical cards, running on the Visa scheme. Because the card uses a credit BIN, it works smoothly where a credit card is expected, like hotels and car rentals (it is not a loan, it simply spends from your balance). Availability can depend on your region: card issuance, physical card delivery, and card payments may be limited or unavailable in some jurisdictions.

It is not a loan, you are spending your own balance. It just carries a credit BIN, so it works nicely with hotels, car rentals, and anywhere that prefers a credit card.

You can add your virtual card to Google Pay or PayPal, and physical cards support contactless. Apple Pay is not available yet.

Yes, you can use the card on its own, no EUR IBAN required.

Everything is in your dashboard, freezing, details, and settings, all in one place.

The card is in USD and cannot be switched, but no need to worry, it automatically converts to the local currency wherever you pay.

Up to two: one virtual and one physical.

Here is the full breakdown, no surprises. Virtual card: free to open, $10/month for maintenance, payments 1% in USD or 2.35% in other currencies (min $0.66). ATM withdrawals 2% in USD or 3.35% in other currencies (min $0.66). Physical card: $50 delivery (about 14 days), $10/month for maintenance, same payment and ATM fees. With both cards active, the monthly fee is $20.

Keytom Cards are designed for high-value payments. The standard soft limit is around $150,000 per transaction, with no fixed cap on the number of transactions or monthly card spend.

ATM withdrawals are available up to 3 withdrawals per day and 30 withdrawals per month, with a $3,000 daily and $10,000 monthly cash withdrawal limit. The yearly ATM withdrawal limit is $100,000.

Pretty much anywhere Visa is accepted, luxury boutiques, hotels, car rentals, groceries, restaurants, and online, in almost any country.

Topping up is easy. Your card spends from your USDC balance, so you can add funds by card via Visa Direct, top up USDC directly, or convert euros or crypto you already hold into USDC.

Yes, you can use it for subscriptions like Netflix. A few merchants set their own restrictions, which is out of our hands, but most work fine.

Up to 5 years, for both virtual and physical cards.

The $10 monthly fee is only charged while your card has enough balance to cover it. If there is not enough, the card simply stays frozen until you top it up, so an unused card never builds up a negative balance or debt.

No, cards do not have a SWIFT code, that is only for bank transfers.

Just enter your card details at checkout, or use Google Pay for online and in-person payments. Some shops add a 3DS security check, in which case you will get a one-time code (OTP) by SMS to confirm it is you.

Your CVV is the 3-digit code on the back of your card. Keep it private, never share your card number, expiry date, or CVV with anyone.

We base crypto-to-USD rates on the weighted average of the top 5 global exchanges, so your rate always tracks the real market.

Only if the ATM supports Contactless payment systems. For regular ATM withdrawals, you will need the physical Keytom card.

Yes, with your physical card at ATMs on the major networks. Some ATMs add their own fee, set by the operator, not by us.

Do not worry if an ATM shows a zero balance, Keytom cards just do not display it there. You can still withdraw as normal.

Small differences can happen because exchange rates move between when a payment is authorised and when it settles. If it settles higher, the difference is taken; if lower, it comes back to you.

When you pay by card, the amount is first held as "pending" while the payment settles, which is a normal part of how card payments work. It stays pending until the merchant confirms the final operation (a charge, cancellation, or refund) through their bank, and then the status updates automatically.

The timing depends on the merchant, not on us: most payments clear within 1 to 3 business days, though some categories like hotels, car rentals, airlines, and subscriptions can take up to 30 days. If no confirmation comes in, the hold is released automatically once the card scheme's window ends.

If a declined payment still shows a charge, it is usually just a status that has not updated yet. Give it one business day to clear.

Hotels, car rentals, and gas stations often place a temporary hold that is a bit higher than the final bill. It adjusts once the payment settles, and any difference comes back to you (refunds usually take 2 to 15 days).

If a charge was not from Keytom but from another platform, reach out to that merchant for a refund. Once they send it back, we pass it straight to you.

Refunds start with the merchant: they send it back, we receive it, and we credit your account. It usually takes 2 to 15 days, sometimes a little longer.

When you pay with your card, a payment fee is added to the purchase: 1% for USD payments or 2.35% for payments in other currencies, with a $0.66 minimum fee applied in all cases.

If the transaction is refunded, the refund usually covers the original purchase amount, but not the payment fee that was charged at the time of purchase. This means the amount returned to your account may be slightly lower than the total amount originally debited.

No extra refund fee is charged. The difference comes only from the original payment fee.

Cards usually work right after you create them. If a service like PayPal or Amazon gives you trouble, wait a couple hours and try again, and if it sticks, we are here to help.

Some platforms block cards for in-game purchases, this is a platform-level limitation, not ours. A few categories (like fuel pumps, gambling, and a few others) are not supported either. If you hit an unexpected decline, just ask us.

First, make sure your SIM card is activated. It can also be a carrier delay or a wrong number on file. If it continues, message us and we will sort it out.

To cancel a subscription, do it on the merchant's site or with their support, since it is an agreement between you and them. We are not able to cancel it for you.

Yes, if you have a registered company. Keytom business accounts are designed for companies that need named EUR account details for SEPA payments, a named USD account with local US payment details and SWIFT support, crypto accounts, and payment cards in one platform.

Business onboarding is subject to KYB and compliance checks, including the company’s country of registration, ownership structure, business activity, licensing where applicable, sanctions screening, and intended account use.

Keytom business accounts are currently available only to registered legal entities. Sole traders, individual entrepreneurs, and other non-incorporated business structures cannot be onboarded under a business profile at this stage.

Alternatively, you are very welcome to open an account for personal use, such as receiving your salary, personal transfers with your friends and between your own accounts, day-to-day spending, or travel expenses.

Please be aware that an individual account must not be used for business activity, commercial transactions, client payments, or any other operations related to your activity as an individual entrepreneur. Using a personal account for business purposes may result in account restrictions.

We work with companies across wide variety of industries. Onboarding goes through a compliance review, and you can see the few restricted ones in our Customer Acceptance Policy.

Keytom supports business onboarding across 180+ countries, including major business hubs such as the EEA, Switzerland, United Arab Emirates, Singapore, Canada, Australia, and a wide range of other eligible markets.

Availability depends on the company’s country of incorporation, business activity, ownership structure, licensing requirements, sanctions screening, and the account services requested. Final onboarding is subject to KYB and compliance checks.

Keytom supports business onboarding across 95% of reviewed industries, including commercial and regulated business activities such as iGaming, CFD brokers, crypto-related businesses, import/export, retail, wholesale, e-commerce, logistics, manufacturing, construction, travel, hospitality, professional services, and creative industries.

Some industries are supported directly, while medium and higher-risk businesses may require case-by-case review, enhanced KYB, licensing checks, ownership review, sanctions screening, or additional transaction-flow verification.

Some industries are not supported. You can find the full list in our Customer Acceptance Policy.

Standard rates: SEPA / SEPA Instant: 0.3% + fixed €2.5 in, 0.5% + €2.5 out. Crypto out: 0.1% plus network fee. ACH USD: 0.4% + $1 in, 0.6% + $1 out. SWIFT / Fedwire: 0.4% + $40 (SWIFT) or $20 (Fedwire) in, 0.6% out. Crypto exchange: 0.25% to 1% depending on the pair. Fiat to crypto and fiat to fiat: 1%.

The rates above are our standard pricing for low-risk businesses, so treat them as a guide. Final fees are tailored to each company by type and risk, agreed at the end of onboarding, and visible in your app once you are set up.

There is a one-time €1,000 setup fee, and you only pay it after your account is approved, nothing upfront. It covers full onboarding (verification, compliance checks, and setting up your fiat and crypto accounts), and after that there is no monthly fee and no transaction limits.

Yes. Keytom supports B2B, B2C, and C2B payments, and third-party payments are fine. (We do not allow nested payments that hide who is really sending or receiving.)

For the company:

• Certificate of Incorporation / Registration,
• Articles of Association / Memorandum of Association
• Shareholder registry
• Tax ID
• Proof of Legal Address.

For each owner with more than 20% of shares, an ID check, passport, and proof of address.

Additional documents may be requested during the review process. Standard company paperwork, nothing unexpected.

No fixed limits. We may ask for documentation on certain transactions as part of routine compliance.

Keytom offers business accounts in EUR and USD.

For EUR, businesses can get local LT or MT IBAN accounts with SEPA and SEPA Instant support. The exact EUR account type is assigned during onboarding based on your company profile, risk level, and payment needs.

For USD, businesses can get a US local account with account and routing details for ACH and Fedwire, plus SWIFT support for international transfers. USD accounts are not in IBAN format.

Supported payment flows depend on the company’s risk profile. Low-risk businesses may be eligible for C2B, B2B, and B2C payments, while medium and high-risk businesses are generally supported for B2B and B2C flows.

Yes. As long as your country is on our accepted list, you can get a EUR IBAN no matter where your business is registered.

From one business account, you can send and receive crypto, euros, and US dollars to and from individuals and businesses, store your funds, and instantly exchange between euros, dollars, and crypto.

As a routine compliance step, we may ask for supporting documents on certain transfers, depending on the type.

Not yet. Role-based access levels are currently on the way.

For now, Keytom supports multi-user access for business accounts. This means you can add team members to your business account so each person has their own login instead of sharing one set of credentials.

To add a team member, please contact our support team at [email protected] and send us the email address you want to add to your account. Our team will process the request for you. All added users will have full access to the business account.

Not right now, everything is managed in your dashboard, and API access is on our roadmap.

Yes, you can run payroll right from your business account.

Usually 3 to 7 business days, depending on your company and how busy things are at the time.