All-in-one app for your money. IBAN, cards & up to 4% p.a. reward on your balance

Open a free personal European IBAN online and earn a reward on the money you keep in your account.

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.

Reward on your balance — no extra conditions

Earn up to 4% p.a. on your account balance

Open an account

Key in-app features

Everything your money requires for day-to-day life

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

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, receive and store crypto

Get richer with rewards and bonuses

Switch between 4 p.a. reward and other bonuses in the app

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)