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Provider review · 4.2 advisor score

Genome: fees, currencies and how to apply.

EU accounts, card issuing and merchant tools in one dashboard

2-7 days

Time to open

4.2

Advisor score

Paid plan

Monthly cost

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Genome

EEA · Lithuania

Time to open

Typically 2-7 days

Currencies

EUR, GBP, USD and multi-currency balances

To open

No minimum; free plan available, paid tiers from about EUR 15

Licence status

E-money institution licensed by the Bank of Lithuania, not a bank

 
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What Genome actually is

Genome is an e-money institution licensed by the Bank of Lithuania, not a bank. It combines SEPA and SWIFT payments, sub-accounts, card issuing and merchant acquiring tools in a single dashboard at a price small teams can carry.

It suits EU companies and online merchants that want both a payment account and a way to accept payments, without stitching together two providers.

Best for

EU companies and online merchants that also need card issuing

Fees and pricing

Checked against the provider’s published pricing in September 2026. Figures vary by country and plan.

Monthly fee

Free plan available; paid tiers from about EUR 15c

Minimum balance

None

Local transfers

From about EUR 0.50 each

International transfers

From about EUR 20

Currency exchange

Around 0.5% to 1%

Cards

Physical and virtual card issuing included on paid plans

Where it works well

  • EU licence with a free entry plan
  • Accounts, card issuing and merchant tools together
  • Fast onboarding for straightforward EU companies

Watch out for

  • An e-money institution, so funds are safeguarded rather than insured
  • Support depth is lighter than the larger providers
  • SWIFT pricing is high relative to peers

Who can open it

  • A company registered in the EEA or a supported third country
  • Online merchants must pass a website and refund policy review
  • Gambling, unlicensed finance and adult content are declined

Documents to prepare

  • Certificate of incorporation and company registry extract
  • Passport and proof of address for every director and owner above 25%
  • Description of the business, customers and expected monthly volumes
  • Website URL with terms and refund policy
  • Processing history for merchant services

Ready to apply to Genome?

Have the documents above ready and the application usually takes under 20 minutes.

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