Non-EMI Personal Bank Account for Mainland Europe

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hdloader11

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May 28, 2025
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Hi all,

I'm not an EU citizen/resident. Need a personal bank account that'll give me a debit card and a mainland EU IBAN. Currently have UK bank accounts, but they're denominated in GBP so receiving payments require currency conversion.

I'm willing to travel if required, what would be your recommendation for an EU bank account, preferably one that can be opened online and doesn't have ridiculous fees.
 
How about Wise, Monese, etc.?

Otherwise, where are you resident and what is your nationality? There are plenty of options depending what you qualify for. HSBC Premier Malta would also be an option.
 
daniels27 said:
daniels27 said:
How about Wise, Monese, etc.?

Otherwise, where are you resident and what is your nationality? There are plenty of options depending what you qualify for. HSBC Premier Malta would also be an option.
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The fact that HSBC Malta is currently for sale should be taken into consideration. APS Bank Malta and OTP Bank - Hungary, linked to Orban - are competing for the buyers.
 
hdloader11 said:
hdloader11 said:
Hi all,

I'm not an EU citizen/resident. Need a personal bank account that'll give me a debit card and a mainland EU IBAN. Currently have UK bank accounts, but they're denominated in GBP so receiving payments require currency conversion.

I'm willing to travel if required, what would be your recommendation for an EU bank account, preferably one that can be opened online and doesn't have ridiculous fees.
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Dukascopy (although it has a name that sounds like a medical procedure) has a Swiss banking license, can be opened online, has multicurrency accounts with IBAN numbers and a physicial and virtual debit card. I opened it with a non-EU address.
 
WorldCitizen99 said:
WorldCitizen99 said:
Dukascopy (although it has a name that sounds like a medical procedure) has a Swiss banking license, can be opened online, has multicurrency accounts with IBAN numbers and a physicial and virtual debit card. I opened it with a non-EU address.
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If you are ok with Swiss IBAN, you may also try Swissquote. Yuh. etc. (Not sure as you initially mentioned EU IBAN.)
 
Yes, tested them. They work pretty well. In most cases, Yuh would do the job, it is a joint venture between Swissquote and PostFinance. Most people here are quite happy with Yuh.

Swissquote is also very good, they offer a pretty complete solution.
 
hdloader11 said:
hdloader11 said:
I'm not an EU citizen/resident. Need a personal bank account that'll give me a debit card and a mainland EU IBAN
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Which country are you resident in and which citizenship you hold? Note that citizenship and residency are important in banking.

You can look at KT Bank in Germany perhaps.

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nov111 said:
nov111 said:
The fact that HSBC Malta is currently for sale should be taken into consideration. APS Bank Malta and OTP Bank - Hungary, linked to Orban - are competing for the buyers.
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Could be a good one to consider, but do you think they take on customers remote if needed ?

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daniels27 said:
daniels27 said:
Yes, tested them. They work pretty well. In most cases, Yuh would do the job, it is a joint venture between Swissquote and PostFinance. Most people here are quite happy with Yuh.

Swissquote is also very good, they offer a pretty complete solution.
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Duka does not like, allow third party transfers , what about the other's you mentioned ?
 
I have read many bad things about Duka on this forum. Check if HSBC Expat in Jersey will accept you? They give you IBANs for various currencies and the min deposit isn't that high. It was 50k GBP equivelent but I think they raised it to 75k now?
 
All of you disregarded asking which activity is being done in the UK banks "receiving payments require currency conversion" which the OP wants to do through this new setup.....
 
uplana said:
uplana said:
Could be a good one to consider, but do you think they take on customers remote if needed ?
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HSBC is one of the hardest banks to onboard in Malta. They may open remotely but if you have a Maltese Residence Permit. Otherwise it is difficult.

I myself opened a Medirect Bank account very easily - via App, no local address, just EU ID and a bank statement from another bank.
 
hdloader11 said:
hdloader11 said:
Hi all,

I'm not an EU citizen/resident. Need a personal bank account that'll give me a debit card and a mainland EU IBAN. Currently have UK bank accounts, but they're denominated in GBP so receiving payments require currency conversion.

I'm willing to travel if required, what would be your recommendation for an EU bank account, preferably one that can be opened online and doesn't have ridiculous fees.
Click to expand...
Click to expand...
Swissquote is the way
 
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