All-in-one app for your money. IBAN, cards, 3% cashback & rewards
Get a free personal European IBAN with a plastic card online.
Everything is remote
From account opening to everyday transactions. We value your time.
Fully licensed services
Blackcat is issued by Papaya Ltd, an Electronic Money Institution authorised and regulated by the Malta Financial Services Authority (MFSA). Registration number C55146.
24/7 support in English
Real-human support team is ready to handle any question in chat, quickly and professionally.
Get 3% back on all card purchases
Limited-time offer for your first month
Key in-app features
Everything your money requires for day-to-day life
Create Euro wallets for different purposes
Each euro wallet comes with a free Maltese IBAN account
Manage digital assets with partner crypto services
Sell, buy, send, recieve and store crypto
Get richer with rewards and bonuses
Switch between 4 p.a. reward and other bonuses in the app
Get as many payment cards as you need
Additional cards with free standard worldwide deliveries
Pay with your smartphone and smartwatches
With Apple Pay or Google Pay
Make SEPA and card-to-card transfers
Instant transfers all over the world
Your money is safeguarded and insured
We’re transparent about how your money is held - and even go beyond basic regulatory requirements
Safeguarding
We strictly follow EU rules, so client funds are held separately from company ones in European banks: AS Rietumu Banka (Latvia) and UAB SME Bank (Lithuania)
Additional insurance
Additional protection is provided by Axiom Insurance Company (a licensed EU insurer). The policy protects your funds even in force majeure situations
GDPR compliance
We apply strict standards of data protection and regulatory transparency
Integrate crypto into your daily life
We prove it’s easy to use crypto as regular money
Blackcat supports the 4 most popular currencies: BTC, ETH, USDC (ERC-20), USDT (TRC-20, ERC-20).
Multi-currency crypto wallet
Store and send 4 most common currencies: BTC, ETH, USDC (ERC-20), and USDT (TRC-20, ERC-20).
Crypto exchange and transfers
Fund your account with crypto, convert in seconds, and spend seamlessly with your card. Everything works inside one app.
Advanced security measures
All transactions meet EU standards with our partner Manerio — with strong encryption, real-time monitoring, and custodial wallets.
More than just an account
Earn rewards on your balance or get cashback where you spend the most
