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
EU-regulated · 50,000+ customers · 30+ countries
See why people switch to Atlas
Wise hides FX fees behind percentages. Revolut puts the good stuff behind a paywall. Atlas gives you everything upfront — a real IBAN in your name, 0% FX, free cards — with no catches and no monthly fee.
Monthly fee
- Wise
- €0
- Revolut
- €0–13.99
- Banks
- €5–15
Account opening
- Wise
- Minutes
- Revolut
- Minutes
- Banks
- Days to weeks
EUR IBAN
- Wise
- Belgian IBAN, shared
- Revolut
- Pooled sub-account
- Banks
- Dedicated
Virtual card
- Wise
- Free
- Revolut
- Free
- Banks
- Not available
Physical card
- Wise
- €7 one-time
- Revolut
- €9.99
- Banks
- €15–30
SEPA transfers
- Wise
- From €0.43
- Revolut
- Free
- Banks
- €0.20–2.00
SEPA Instant
- Wise
- Not supported
- Revolut
- €0–0.50
- Banks
- €0.50–5.00
FX markup
- Wise
- 0.33–1.5%
- Revolut
- 0.5–2%
- Banks
- 1.5–3%
Weekend FX surcharge
- Wise
- Up to 2%
- Revolut
- Up to 1%
- Banks
- Varies
Residency required
- Wise
- No
- Revolut
- Varies
- Banks
- Yes
Apple & Google Pay
- Wise
- Yes
- Revolut
- Yes
- Banks
- Usually
Wise
Revolut
Traditional bank
No monthly fee. No FX markup. Cancel anytime.
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. Atlas 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 Atlas 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." Atlas 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. Atlas 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
Receive client payments and pay suppliers with a professional EUR IBAN in your company name.
Team expense cards
Issue virtual and physical cards for employees. Set limits, track spending in real-time.
Instant SEPA for invoices
Get paid in seconds — not days. Issue invoices and receive SEPA Instant transfers 24/7.
No monthly fees
Free to open. No hidden charges. Scale your business without worrying about banking costs.
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.