Open Account

Personal

Secure account and
a high limit card
for fiat and crypto

  • 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 from your phone or computer. No office visits.

Physical and Virtual cards

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

Registration

  • Fill in basic details
  • Pass verification with your documents and selfie

Clients' cases

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.

Personalized pricing for all your needs

Account opening
Free
SEPA/SEPA Instant in
0.5% + €0.25 (min €2.75)
SEPA/SEPA Instant out
1% + €0.25, min €2.75
Crypto withdrawals
0.1% + network fee
EUR ↔ Crypto
1.5%
Crypto ↔ Crypto
0.25-1%
Open account

Your assets are protected

Crypto assets insured up to $100M 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 #M21788474 under FINTRAC (Canada)

PRAA registration in process under the Bank of Canada supervision

FAQ