Your EUR account, ready in 60 seconds
Open a real EUR IBAN from anywhere in Europe. Get a virtual Mastercard instantly. Send and receive money via SEPA in seconds. Free to open.
Loved by 50,000+ Europeans across 20+ countries
DEBITA. Müller
0+
Active accounts
0+
Countries across Europe
0M+
Transferred securely
0.0/5
App Store rating
Everything they charge for,
Auriga includes free
Wise takes a cut on every transfer. Revolut locks features behind paid plans. Traditional banks charge you just to exist. Compare the details — then decide.
Monthly fee
- Wise
- €0
- Revolut
- €0–13.99
- Banks
- €5–15
Account opening
- Wise
- Minutes
- Revolut
- Minutes
- Banks
- Days to weeks
EUR IBAN
- Wise
- Shared Belgian IBAN
- Revolut
- Pooled sub-account
- Banks
- Dedicated
Physical card
- Wise
- €7
- Revolut
- €9.99
- Banks
- €15–30
Virtual card
- Wise
- Free
- Revolut
- Free
- Banks
- Not available
SEPA transfers
- Wise
- From €0.43
- Revolut
- Free
- Banks
- €0.20–2
SEPA Instant
- Wise
- Not supported
- Revolut
- €0–0.50
- Banks
- €0.50–5
FX markup
- Wise
- 0.33–1.5%
- Revolut
- 0.5–2%
- Banks
- 1.5–3%
Residency required
- Wise
- No
- Revolut
- Varies
- Banks
- Yes
Traditional bank
The average customer saves €120+/year by switching
No monthly fee. No FX markup. No transfer fees. No card fees. Zero catches.
One account. Everything you need.
A real EUR IBAN, an instant Mastercard, lightning-fast SEPA, and bank-grade security — all in one beautifully simple app.
Spend anywhere, instantly
A virtual Mastercard the second you sign up. Add it to Apple Pay & Google Pay and tap to pay in 210+ countries.
DEBITA. Müller
A real IBAN, in your name
Receive salary and invoices, set up direct debits — like a local.
Protected by design
EU-regulated, funds safeguarded, real-time fraud monitoring.
ACPR regulated
PSD2 · 3-D Secure · 24/7 monitoring
Send money in seconds
Transfers land in under 10 seconds, 24/7. Zero FX markup.
< 10s
Arrival
24/7
Always on
0%
FX markup
Borderless by default
Open from anywhere in the EEA. No local address required.
Banking that feels good to use
Every tap, every screen, every little detail — designed to be the friendliest money app you've ever opened.
Ella M.Safe at every step
Your money is protected by EU regulation, bank-grade encryption, and dedicated anti-fraud systems. Here's how we keep every euro safe.
30+
Countries supported
24/7
Fraud monitoring
€0
Hidden fees
Banking services provided by Swan, an Electronic Money Institution authorised by the ACPR (Autorité de Contrôle Prudentiel et de Résolution) in France.
EU regulated
Licensed and supervised by the ACPR in France. Operating under full European e-money regulations across 30+ countries.
Safeguarded funds
Your money is held in ring-fenced accounts at top-tier European credit institutions, completely separate from operational funds.
Anti-fraud protection
Real-time transaction screening. Instant card freeze from the app. PSD2 Strong Customer Authentication on every payment.
Loved by 50,000+ Europeans
Real accounts, real reviews — across 20+ countries, and counting.
“I switched from N26 after three years. Auriga gave me a real IBAN in 60 seconds — no Anmeldung, no delays. It's not even close.”
Lukas M.
Berlin, Germany
“Wise was fine for transfers, but Auriga is a full account. IBAN, card, instant SEPA — all in one. I closed my Wise account.”
Carlos V.
Barcelona, Spain
“Revolut kept freezing my account for "verification." Auriga has never done that. Transparent, fast, and it just works.”
Sophie R.
Paris, France
“SEPA Instant changed my freelance business. Invoices get paid in seconds, not days. No other fintech does this as well.”
Anna K.
Amsterdam, Netherlands
“Opened my account from a café in Lisbon. Had my IBAN and virtual card within a minute. Received my first payment the same day.”
Tomás F.
Lisbon, Portugal
“As an expat, getting a bank account was impossible. Auriga made it trivial. No residency proof, no appointment, no nonsense.”
Elena D.
Milan, Italy
Built for business too
A business account that actually works for freelancers, startups, and small businesses across Europe. Real IBAN, team cards, and instant SEPA — without the bureaucracy.
Dedicated business IBAN
Professional EUR IBAN in your company name.
Team expense cards
Issue cards for employees. Set limits, track in real-time.
Instant SEPA for invoices
Get paid in seconds — not days. 24/7.
No monthly fees
Free to open. No hidden charges.
Questions? Straight answers.
Everything you need to know before you open your account.
One account.
Every country.
One IBAN that works the same in every EEA member state. No borders, no local paperwork, no second account.
GermanyFranceSpainItalyNetherlandsPortugalAustria
BelgiumIreland
Finland
Greece
Luxembourg
Sweden
Denmark
Poland
Czech Republic
Croatia
RomaniaYour money,
finally on your side.
A real EUR IBAN, a Mastercard, and instant SEPA transfers. No hidden fees. No branch visits. No compromises.