Plans, with the costs on the outside
Two plans, one account. Young costs nothing a month while you are under 35, People is the standard plan. Neither of them switches a feature off.
Choose the shape that matches your month
Young
Until your 35th birthday
€0/month
- Account maintenance free
- SEPA transfer out, first 10 each month free
- SEPA transfer out, from the 11th €1.00
- Card payment outside the EEA, first 10 free
- Card payment outside the EEA, from the 11th 2.2%
- ATM withdrawal (domestic) €1.50
- ATM withdrawal (within the EEA) €1.50 + 0.35%
- ATM withdrawal (outside the EEA) €2.00 + 0.70%
- Chargeback, if the claim is not upheld €40.00
- Overdraft not available
People
Everyone
€5.99/month
- Account maintenance €5.99 per month
- SEPA transfer out, first 10 each month free
- SEPA transfer out, from the 11th €1.00
- Card payment outside the EEA, first 10 free
- Card payment outside the EEA, from the 11th 2.2%
- ATM withdrawal (domestic) €3.00
- ATM withdrawal (within the EEA) €1.50 + 0.35%
- ATM withdrawal (outside the EEA) €1.50 + 0.70%
- Chargeback, if the claim is not upheld €40.00
- Overdraft not available
Every amount above is in euro and is charged on the operation it names. Percentage fees apply to the amount of the transaction, and the total is shown before you confirm it. Conversion into another currency is charged at the rate displayed at the moment of the payment — see currency exchange. Once a year you receive a statement of fees: every charge applied to the account over the period, in one document.
Both plans carry the same account
Some things are not a plan feature, they are the product. Both plans, including the free one, get the same account and the same transparency on cost.
- An IBAN in euro in your own name
- Payments and conversion across 38 currencies
- The rate and the fee shown before you confirm
- Physical and virtual debit cards
- iOS and Android app, with the transaction list and statements
- Freeze and unfreeze the card in a tap
What the plan actually changes
Only the cost. Young is the same account with no monthly fee while you are under 35, People is the plan everyone else is on. There is no feature held back on either one, and no allowance to run out of beyond the ten free transactions each month: every operation after that is priced in the table above.
- The monthly cost of the account
- The fee for withdrawing cash at an ATM
Three questions before you start
Can I change plan later?
Yes, in either direction, from the app. A change takes effect at the start of the next billing month.
How are transfers charged?
The first ten SEPA transfers you send in a month are free on both plans, and each one after that costs €1.00. The fee is shown before you confirm the transfer.
Is there a contract?
No minimum term. You can close the account at any time and withdraw the remaining balance.
Start on the plan that fits today
A personal application is usually reviewed within one to two working days, and the virtual card is ready as soon as it is. Your plan follows your age, so there is nothing to compare and nothing to commit to.