No euro-area address needed
Apply from where you live; eligibility is confirmed when you apply
Euro Account for Non-Residents and Expats
A payment account with a euro IBAN in your own name, opened entirely in the app. Outside of the EEA
Open an account
Availability depends on your country of residence, your eligibility and successful verification
Your own euro IBAN
In your name, ready to share with anyone
A personal IBAN, issued under the Electronic Money Institution (EMI) licence of Papaya Ltd.*
Euro account for foreigners: who it’s for
Paying in euros, living somewhere else
What a euro IBAN account for non-residents gives you
Get paid and pay in euros, without conversion
Get paid in euros
Salary, client and platform payments arrive in euros, with no conversion
Send across SEPA
SEPA Instant where the receiving provider supports it, a standard SEPA transfer where it doesn’t
Separate wallets
Several wallets, each with its own IBAN, to keep salary and freelance income apart
How to open an online euro account for non-residents
Four simple steps, all in the app
- 1step
Download the Blackcat app
Sign up with your email and phone number
- 2step
Choose your country of residence
Enter your details exactly as they appear on your ID
- 3step
Upload your ID and proof of address
Complete the identity check in the app
- 4step
Get your IBAN in the app once approved
We may ask for more information first
What documents are required
to open a euro account
What you need depends on where you live
Have these ready
4 essentialsA valid government-issued ID
Normally a passport if you live outside the EEA
Proof of address
A document confirming where you currently live
A phone number and email
For receiving verification codes
Your country of tax residence
The country where you are a resident for tax purposes
Depending on your situation, we may also ask for a residence permit or visa, proof of source of funds, or a certified translation
Euro card for expats
Spend straight from your euro balance with a virtual card in the app; a plastic card can be posted to your registered address on request. Cards are currently issued to EEA residents only. Outside the EEA, you still get the account and IBAN
Who holds your money
A licensed e-money institution, regulated in the EU
Licensed EMI
Blackcat is issued by Papaya Ltd, licensed by the Malta Financial Services Authority as an Electronic Money Institution
Direct SEPA participant
Papaya Ltd runs euro transfers on its own SEPA infrastructure
A payment account, not a bank
No credit, investment or brokerage: an IBAN, transfers and wallets
Frequently asked questions
Quick answers for non-residents and expats
