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.
Citizenship doesn’t matter
We work with EU residents and beyond, regardless of their citizenship. Restrictions may apply.
Limited-time offer for your first month
Get 3% back on all card purchases
Key in-app features
Everything your money requires for day-to-day life
Get as many payment cards as you need
Pay with your smartphone and smartwatches
Make SEPA and card-to-card transfers
Create Euro wallets for different purposes
Manage digital assets with partner crypto services
Get richer with rewards and bonuses
Your money is safeguarded and insured
Safeguarding
Additional insurance
Integrate crypto into your daily life
We prove it’s easy to use crypto as regular money
Multi-currency crypto wallet
Store and send 3 most common currencies: BTC, ETH, USDC (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
Our Awards
Security
