FinGuide DZ
Paysera
No card

Paysera

Limited

To open

Free

Per month

Free

Visit website

Last checked: 2026-08-20

A multi-currency European IBAN wallet for receiving euros, converting between the currencies you hold, and sending money on by SEPA or SWIFT.

Known issue: No card for Algerians, so you cannot spend from the euro account directly.

Status

Status
StatusWhether an Algerian can open it and whether it works. Not how many features it has.Limited

Account details

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.No
Only euros can be received.
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
Money arrives in euros, by SWIFT, into the same IBAN.
StablecoinAn address for receiving stablecoins such as USDT or USDC.No

What it costs

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.Not supported
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.Not supported
Physical cardA one-off charge to issue a plastic card posted to you.Not supported
What else Paysera charges
Receiving eurosFree by SEPA, 3 EUR by SWIFT
Free when the payer is in Europe. From outside Europe, 3 EUR below 10,000 EUR and 5 EUR at or above it. From 15 December 2026, 5 EUR at any amount.
Leaving the account unused10 EUR/month
Charged once the account has gone a year without use.
Currency conversionNo fixed margin published
The market rate plus a margin that varies by currency.
Transfers to other Paysera accountsFirst 30 a month free
After that, 0.10 EUR per transfer.
SWIFT surcharge on a business account+5–30 EUR
None is stated for a personal account.

Card

Card
TypeWhether the card is virtual, physical, or both.None
NetworkWhich network the card runs on — this decides where it is accepted.None

Opening an account

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.No
WithdrawingWhether you can move money from PayPal into it.No

Bank account — Paysera's European IBAN does not qualify.

Card — No card to link.

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.

Paysera in particular

Paysera in particular
Card for AlgeriansBlocked at the last step
The order form opens, then ends with "available for EEA residents only".
Multi-currency wallet~30 currencies
GoldBuy and hold gold
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