Grey
Virtual
Grey
Works
To open
Free
Per month
Free
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Last checked: 2026-09-04
Accounts in euros and pounds for receiving money, a wallet for USDT and USDC, and a virtual Visa card for spending.
Status
| StatusWhether an Algerian can open it and whether it works. Not how many features it has. | Works |
|---|
Account details
| EUR IBANAn address for receiving euros from within the EEA, in your own name. | Yes |
|---|---|
| GBP accountAn account number and sort code for receiving British pounds from within the UK. | Yes |
| USD ACHAccount and routing numbers for receiving dollars sent from inside the United States. The cheap everyday rail — but the sender must be in the US. | No |
| USD wireDetails for receiving dollars sent from outside the United States. Works from almost anywhere, but costs more and takes longer than ACH. | No |
| StablecoinAn address for receiving stablecoins such as USDT or USDC. | Yes |
What it costs
| Compared across banks | |
|---|---|
| OpeningA one-off charge to open the account. | Free |
| MonthlyWhat the account costs every month on the cheapest usable plan. | Free |
| Foreign spendCharged when the card currency differs from the merchant currency. | 2% + $0.50 |
| ATMWhat it costs to withdraw cash at an ATM. | Not supported |
| Virtual cardA one-off charge to issue a card that exists only in the app. | $5.00 |
| Physical cardA one-off charge to issue a plastic card posted to you. | Not supported |
| What else Grey charges | |
| Loading the card | $0 The card spends straight from your wallet balance. |
| Currency conversion | 0%–1%, capped at $6 |
| Send/receive EUR (SEPA) | 0.8% to receive, 0.5% to send, min 2 EUR, capped at 10 EUR European Economic Area only, 1–3 days. |
| Send/receive GBP (Faster Payments) | 0.8% to receive, 0.5% to send, min 2 GBP, capped at 10 GBP |
| Send/receive GBP (BACS) | 15 GBP flat to receive, 0.5% to send, min 2 GBP, capped at 10 GBP |
| Send/receive GBP (CHAPS) | 25 GBP flat to receive, 0.5% to send, min 2 GBP, capped at 10 GBP |
Card
| TypeWhether the card is virtual, physical, or both. | Virtual |
|---|---|
| NetworkWhich network the card runs on — this decides where it is accepted. |
Opening an account
| Sign-upWhich identity documents you need to open the account. | National ID OK |
|---|
| PayingWhether you can use it to pay with PayPal. | Yes |
|---|---|
| WithdrawingWhether you can move money from PayPal into it. | No |
Bank account — Grey gives Algerians no US account and routing details. Card — Works for paying through PayPal, not for withdrawing to the card. Currencies: USD, GBP An Algerian PayPal account can only link a US bank account. PayPal charges a flat $5 for an on-demand card withdrawal, and nothing for a scheduled monthly payout. This applies to every card, not just this one. | |
Grey in particular
| Receiving in USD | Not available to Algerians |
|---|---|
| Multiple virtual cards | $5 per additional card |
