Personal and business banking with dedicated IBAN accounts, multi-currency wallets, and global transfers via SEPA, SWIFT, and Faster Payments. Open online in minutes.
No branch visits. No paperwork. Ready in 24 hours.
Payment networks
Your own IBAN account to send and receive money anywhere in the world. Transparent fees, real exchange rates, and a dashboard you'll actually enjoy using.
A full-featured business account for companies of any size. Ideal for e-commerce, service businesses, holdings, and fintech platforms operating across borders.
Move money across Europe and the globe — quickly, at honest rates. SEPA Instant for real-time EUR, Faster Payments for GBP, SWIFT and ACH for the rest of the world.
If you work internationally, you already know the pain of slow payments, hidden fees, and banks that say no. We built Ernora Pay to fix exactly that.
01
Accept payments from customers worldwide and pay suppliers in EUR and GBP from a single account — no currency juggling, no extra accounts.
02
Consolidate EUR and GBP flows for multiple entities or offices without opening a separate bank account in each country.
03
Operate in crypto or digital assets and need a partner for fiat accounts? We support BTC, ETH, USDT to fiat exchange on request.
04
Invoice in EUR and GBP, pay teams across countries, and keep full control over FX rates and transaction fees in one clear dashboard.
Everything happens online. No branch visits, no paper forms, no waiting rooms.
01
Fill in a short application about your company and business model. See eligibility criteria before you start — no surprises.
02
Securely upload incorporation docs, UBO details, and source of funds through your dashboard — no couriers, no notaries.
03
Our team reviews everything. Your dedicated manager will reach out if anything needs clarification. Usually done in 24 hours.
04
You receive your IBAN, virtual IBANs, multi-currency wallets, and access to SEPA, SWIFT, Faster Payments, and ACH.
No setup fees. No hidden charges. Your costs stay predictable as you grow.
€0/month
Perfect for individuals and freelancers receiving international payments.
€49/month
For growing businesses that need SEPA, SWIFT, and multi-currency in one place.
Custom / volume-based
For multi-entity structures, fintechs, and high-volume businesses with complex needs.
Registered with FINTRAC as a Money Services Business. All operations follow Canadian federal law and AML/ATF requirements.
Bank-grade TLS encryption protects every connection and transaction. Your data is never stored in plain text.
Two-factor authentication is mandatory on all accounts. Every login, every transfer — double-verified.
Our systems monitor every transaction around the clock for fraud, unusual activity, and compliance flags.
Available now
Every business account comes with a named manager who knows your structure, volumes, and needs — not just a ticket number.
A virtual IBAN is a unique account number linked to your main Ernora Pay account. Payments sent to it land in your master balance, automatically tagged for reconciliation. Businesses use them to track payments per client, project, or region — without opening separate accounts.
Most accounts are reviewed and opened within 24 hours after submitting your documents. Enterprise onboarding with complex structures may take 2-3 business days. Your account manager will keep you updated throughout.
Yes. Ernora Pay is available to businesses registered worldwide, including outside the EU and EEA. We assess each application individually. If your structure is non-standard, we encourage you to share your use case — we'll tell you honestly if we're the right fit.
There are no hard caps on volumes. Limits are aligned with your business profile and compliance level. Business and Enterprise accounts can request higher limits through their account manager at any time.
Yes. We work with fintech and digital asset businesses. Crypto-to-fiat exchange (BTC, ETH, USDT and others) is available on request for Enterprise clients, subject to AML/KYC review. Rates and limits are tailored to your volumes.
Join businesses across 50+ countries already using Ernora Pay to move money simply, transparently, and without borders.
Not sure if you qualify? Share your use case — we'll tell you honestly if we're the right fit.