How to Open EU Bank Account Online

Personal and business accounts with a Netherlands IBAN. No branch. No residency. KYC in ~4 minutes.

FCA Regulated
KYC ~4 Min
Verified in 1 Business Day
190+ Countries
38+ Currencies
Safeguarded Funds
Open an AccountSee Pricing
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Physical cards available for businesses based in Europe and the UK only.

What is NOWE

NOWE Money is a multi-currency fintech platform operated by NOWE Money B.V., registered in Amsterdam, Netherlands (KvK 98048260). It offers personal and business accounts with EU IBANs, SEPA payments, international FX across 190+ countries, and 38+ currencies. Payment services are provided by Equals Money PLC (FCA #900190). KYC takes ~4 minutes; accounts verified within 1 business day.

Everything in Your NOWE Business Account

EU IBAN Issued

Netherlands multi-currency business IBAN Europe ready within 1 business day.

Free SEPA Business Payments

Send and receive euros across 36 countries at zero cost.

1.5% FX Rate

SEPA business account for non-EU companies with up to 1.5% FX across 190+ countries.

Team Payment Tools

Multi-user access, sub-accounts, and CSV export on Platinum tier.

NOWE Personal vs Traditional Banks

Account Opening
Nowe Money100% online — Open business account Europe
Traditional BanksIn-branch required
Verification Time
Nowe MoneyUsually 1 business day
Traditional Banks5–15 business days
Non-EU Companies
Nowe MoneyAccepted globally
Traditional BanksRarely accepted
FX Rate
Nowe MoneyUp to 1.5%
Traditional Banks3–5% typical
SEPA Transfers
Nowe MoneyFree
Traditional Banks€0.50–€5 per transfer
Team Tools
Nowe Money(Platinum+)
Traditional BanksLimited or paid add-on
Multi-Currency Support
Nowe Money38+ currencies
Traditional Banks1–3 currencies

How UAE founders open EU business accounts without bank rejections

E-commerce founders in the UAE use NOWE to open EU business accounts online and receive EUR payments without traditional bank barriers.

Opened a business account online in one day — after multiple EU bank rejections.

We kept getting rejected by EU banks. NOWE let us open a business account online — and start receiving EUR payments immediately.

Amira K.

Amira K.

Founder, E-commerce Agency

🇦🇪 UAE

Regulated and Safeguarded

FCA #900190

FCA Authorised

Payment Services via Equals Money PLC, Authorised And Regulated By The UK Financial Conduct Authority.

PSD2

Safeguarded Funds

PSD2-Compliant. Client Funds Held In Safeguarded Accounts — Never Used For Credit Or Speculation.

KvK 98048260

NOWE Money B.V.

KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Netherlands
Private limited liability company registered in the Netherlands.

Compliance full details →
Legal disclaimer

NOWE Money B.V. is a private limited liability company registered in the Netherlands, listed with the Dutch Chamber of Commerce (KvK) under number 98048260, with registered office at John M. Keynesplein 4, 1066 EP Amsterdam. Payment services are provided by Equals Money PLC, authorised and regulated by the Financial Conduct Authority (FCA) under registration number 900190. Funds are held in safeguarded accounts and are not covered by the Financial Services Compensation Scheme (FSCS).

Frequently Asked Questions

For businesses

Manage your business finances globally with ease

Open an EU IBAN for non-EU companies with free SEPA in ~4 minutes

Open a business accountSee Pricing