The account and the bookkeeping stop being two jobs.
We are building EUR accounts and Visa debit cards for European companies — where each payment arrives already matched to the invoice it belongs to, instead of waiting in a statement for someone to sort out at month end.
Four things, and one of them is the point.
Built for small teams that already work with an accountant.
Account number
A dedicated EUR IBAN for incoming SEPA transfers, so customer payments land directly against the company’s own balance.
Cards
Virtual and physical Visa debit cards for the people who spend on behalf of the business, with per-card limits and category controls. Apple Pay and Google Pay supported.
Reconciliation
This is the part we actually care about. Spend arrives categorised and matched to invoices, ready for the accountant — rather than as an export somebody has to reconcile by hand.
Payments out
SEPA transfers to suppliers, staff and tax authorities from the same balance.
A euro account and a card, opened without a branch.
We are building a personal EUR account and Visa debit card for people living in the European Economic Area — opened online, with identity verification instead of paperwork.
Euro banking, without the business registration.
Account number
Your own EUR IBAN for receiving payments — salary, invoices, transfers from family or clients.
Card
A virtual card first, physical card for everyday spending. Contactless, Apple Pay and Google Pay supported.
Transfers
SEPA payments in and out, across the euro area.
Spending
Card activity grouped as it happens, so the month is not something you reconstruct from a statement afterwards.
Three steps, and we are honest about who decides.
Adelianz handles onboarding, the software and the reconciliation layer. The regulated financial services come from Stripe.
You apply through Adelianz
We collect what is needed for verification and submit the application. We forward applications — the decision to open an account rests with the financial institution, not with us.
The account and card are issued
Once approved, you receive your EUR account details and can order cards.
Everything lands in one place
Incoming payments, card spend and outgoing transfers flow into a single reconciled view.
Three plans, no setup fee.
Planned pricing, shown for transparency. It is indicative and may change before launch.
To get started, with pay-as-you-go transfers.
- IBAN account✓
- SEPA incoming0.50%
- SEPA outgoing0.50%
- Virtual cards1 free, then €5
For active businesses — transfers included.
- IBAN account✓
- SEPA incomingFree
- SEPA outgoing€2
- Virtual cards5 free, then €2
For higher volume and more cards.
- IBAN account✓
- SEPA incomingFree
- SEPA outgoing€0.50
- Virtual cards15 free, then €1
| Feature | Freemium | Pro | Max |
|---|---|---|---|
| Setup fee | €0 | €0 | €0 |
| Monthly fee | €0 | €19 | €29 |
| IBAN account | ✓ | ✓ | ✓ |
| SEPA incoming | 0.50% | Free | Free |
| SEPA outgoing | 0.50% | €2 | €0.50 |
| Virtual cards | 1 free, then €5 | 5 free, then €2 | 15 free, then €1 |
| Physical cards | — | 1 free, then €15 | 3 free, then €12 |
| Cashback | — | ✓ | ✓ |
| Support | Email support | Personal account manager | Dedicated account manager |
On the free plan, transfers are charged per transaction. On the paid plans they are included — which usually works out cheaper once you are actively receiving payments.
What we can serve, and where we actually are.
Phase one would cover EUR accounts, SEPA payments and Visa cards, for customers resident in the European Economic Area — businesses first, and individuals such as sole traders alongside them. No SWIFT, no multi-currency, no crypto.
We are starting in Estonia, because that is where our existing customers and operations are. It is not the limit — the intention is to open to companies and individuals across the EEA once the Estonian rollout is proven.
The product is not open to customers yet. We have built and tested the technical integration, and we are working through the approvals required before any account can be opened. Nothing on this page is an offer of a financial service. If you register interest, we will come back to you when onboarding opens — and tell you plainly if you fall outside what we can serve.
Clarity here matters more than marketing.
- Is Adelianz a bank?
- No. Adelianz OÜ is a technology company. We build the software, handle onboarding and provide the reconciliation layer. We are not a bank, an electronic money institution or a payment institution, and we do not hold customer funds.
- Who would provide the account and card services?
- Stripe Technology Europe Limited, an electronic money institution authorised by the Central Bank of Ireland. Cards are issued by Stripe Technology Europe Limited pursuant to a licence from Visa. Customers enter into an agreement directly with the provider.
- Who decides whether an account is opened?
- The financial institution does. We prepare and submit applications and run our own checks first, but we cannot guarantee an application will be accepted.
- Is this a bank deposit? Is the money covered by a deposit guarantee?
- No. Funds held with an electronic money institution are not bank deposits and are not covered by a deposit guarantee scheme. Electronic money institutions are required to safeguard customer funds separately from their own.
- What happens to the information collected?
- It is used to verify your identity — and, for companies, the business and its beneficial owners — as required by law, and shared with the financial institution for that purpose.
Tell us who you are and we will tell you straight.
We are not open yet. Leave your details and we will contact you when onboarding starts — and tell you plainly if you fall outside what we can serve.