Open a global, compliant
business account in days

Keytom is a financial institution that provides you with single account for your everyday money and your crypto at the same time. Open a personal or business account and hold fiat 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.

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.

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

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.

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.

You can ask us to cancel a transfer, though it is not always possible. If it has not gone out yet, there is a chance we can stop it in time, so reach out to support as soon as you can.

Once a transfer has been sent it cannot be cancelled, but if it has already reached the other bank, you can ask that bank for a return, and if they send it back, we will return the funds and any fees to you. The same goes for incoming transfers.

Crypto transfers are permanent once confirmed, so we cannot reverse one sent to the wrong address. That is why we always suggest checking the address before sending, it takes a second and saves a lot of worry.

If you have sent euros to a fraudulent account, tell us right away with any evidence you have. We can try to recall the funds, it is not guaranteed, but the sooner you reach out, the better the chances.

We do not support USDT (because of MiCA regulations), but USDC works perfectly and is the one to use.

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.

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.

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.