Perfect for everyday payments

  • Start making payments today (you can sign up online in minutes)
  • Trusted by thousands of customers across Europe
Open an account
Finci Personal Account

Open a free account in just 5 minutes


Pay for everything, everywhere.

Make Payments to Over the 200 Countries

Treat yourself to something nice. Pay a friend back for dinner. Send money to help out your family. Or just pay those bills. It all happens without a second thought.

  • Start spending immediately online or in-store with a FINCI digital card.
  • Easily make payments to over 200 countries and territories worldwide.
  • Get a free Mastercard-powered digital debit card.

Your finances. In your pocket.

Manage Your Money

Our easy-to-use app puts you in control of your finances. So you can manage your money in seconds and get back to the important things in life.

  • You can easily freeze, unfreeze, or cancel your cards from within the app.

Fast help from helpful humans

If you need help with your money, you need that help to be fast and effective. That usually means help from humans. So if you’d rather speak to a person than a chatbot, we’ll serve you from within your app, or on the phone, in multiple languages:

  • English
  • Latvian
  • Russian
  • Lithuanian

Support available from 09:00-18:00 (EET) Monday to Friday.

Finci Customer Support

Apple Pay & Google Pay

Forget your wallet (on purpose). 

With your cards securely stored in your digital wallet, you don’t need your actual wallet. Wherever you’d use contactless payments – on public transport, in a store – you can use Google Pay. So just grab your phone and go.

Learn about Google Pay
Google Pay Finci

Pay (without thinking).

Don’t waste time thinking about paying, just pay. Apple Pay is the easy and secure way to pay with your FINCI account. Use it in-app, on websites, and wherever they accept contactless payments. And it’s already on your device, so no need to download.

Learn about Apple Pay
Apple Pay Finci

Less plastic for the planet

You get a new digital card the moment you open your account. It’s exactly the same as a physical card, only it doesn’t pollute the planet with plastic. That’s why we make physical cards an opt-in system (simply order in-app if you need one).

30 million Kg of PVC plastic every year

Choose your personal plan

Choose your
personal plan


Everything for your daily needs


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Best choice


Premium financial features

€ 4.99 /mo

Get started
Annual incoming turnover up to:
Account Opening
Free digital Mastercard
Free payments between FINCI accounts
Free physical card delivered to you
Free withdrawals up to 200 EUR per month
Priority Customer Service
25 000 EUR
Free of charge
500 000 EUR
Free of charge

Trusted by thousands of lovely customers Trusted by thousands of lovely customers

Money Transfers Between Accounts

Easily share money with friends and family around the world. Transfers between  accounts are free of charge.

Open an account from over 30+ countries

San Marino
Vatican City State
Czech Republic
United Kingdom

It’s quick and easy to open an account online

Watch this short video to see how to open your new FINCI personal account.

How to Open a Personal Account

Common Questions Common Questions

  • How do I open a FINCI personal account?

  • Does it cost me to open a personal account?

  • Why do I need to submit a selfie when opening an account?

  • What is a TIN (Tax Identification Number)?

  • Is FINCI a bank?

  • How is an Electronic Money Institution different from a bank ?

  • Can I get a basic card for free?

  • What’s the difference between a digital card and a virtual card ?

  • How many cards can I have?

  • How do I know my money is safe and secure with FINCI?

  • What are the card spending limits for Point of Sale (POS) transactions?

  • What are the card spending limits for online purchases?

  • What’s the limit for ATM cash withdrawals?

  • Can I increase or decrease my card spending limits?

  • Are there limits for payments I receive?

  • Does FINCI support Ukrainian refugees?

  • How do I close my FINCI account?

Get more useful FINCI services

  • Finci Mobile App

    Android and iOS mobile app.

    With the FINCI mobile app available to Android and iOS users you can quickly manage your money and get on with your day. Send money to friends, pay bills, track spending, and freeze cards all with a few taps.

    Learn more
  • FINCI Debit Cards

    FINCI Debit Cards.

    We offer a range of Mastercard-powered physical and digital debit cards when you open any FINCI account. Quickly connect to Apple and Google Pay for fast and secure payments. And easily manage your cards from within the Android or iOS app.

    Learn more
  • FINCI Escrow account

    Escrow account protection.

    Open a temporary escrow account to securely and efficiently complete one-off high-value transactions – it’s the smart way to reduce risk and protect both parties. Open an escrow account online in less than 24 hours with our express service.

    Learn more
  • Make life easier with Apple Pay

    Connect to Apple Pay.

    Whatever you need to pay for – whether that’s your taxi, your coffee, or your food delivery – you can do so in seconds without thinking. Apple Pay is the fast, easy and secure way to pay for goods and services online and in real life. 

    Learn more
  • Connect to Google and Pay

    Connect to Google and Pay.

    Leave your wallet at home and pay with Google Pay. It’s the fast, easy and secure way to pay in-apps, on websites, and wherever they accept contactless payments. Just grab your phone and go. Add your digital debit card and start using it immediately. 

    Learn more
  • SEPA and SEPA Instant payments in seconds

    SEPA European payments.

    With SEPA you can securely transfer large sums across 36 European countries. And with SEPA Instant you can do that in just 10 seconds. You’ll do business faster and ensure you pay suppliers and partners on time, every time.

    Learn more
  • swift payments

    Instant global payouts.

    Waiting days to send money across borders is a competitive disadvantage. With FINCI, you can send money instantly from Euro to multiple currencies, making it easier than ever to pay your suppliers, employees, and partners around the world. 

    Learn more

Get your tailored business account

Please fill out this short form and your account manager will start preparing a business account tailored to your needs.

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Select your monthly turnover up to*
* required fields

Thank you. Your details were submitted successfully.

A dedicated account manager will review your request and get in touch to discuss next steps. Meanwhile, to kickstart the business onboarding process, ensure that someone authorized to act on behalf of your company opens a personal account using the FINCI app (iOS or Android). Simply follow the on-screen instructions, which only take a couple of minutes.

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Business account opening in 3 simple steps.

  1. STEP 1

    Create a free personal account via the app.

  2. STEP 2

    Log in to the online bank via desktop

  3. STEP 3

    Proceed with business account opening

Scan QR code
to start

Business account opening in 3 simple steps.

  1. STEP 1

    Create a free personal account via the app.

  2. STEP 2

    Log in to the online bank via desktop

  3. STEP 3

    Proceed with business account opening

Scan QR code
to start