The Ultimate List of Banking & Payment Solutions for e-Residents – 2025
Banking or Payment Solutions or Traditional Banks?
Estonia’s e-Residency program allows global entrepreneurs to run a business from anywhere in the world, and selecting the right bank for your business is crucial. Here’s a list of 15 banks and financial platforms that provide business accounts and payment solutions for e-residents, including traditional and non-traditional options.
Are you looking for banking solutions or payment solutions – for your e-Residency business? Just explore our list! No matter that you’re looking for only payment solution or a traditional bank – Read carrefully!
1. Open LHV Bank Account
Key Features:
- Highly e-resident-friendly
- Provides multi-currency accounts
- Offers business loans and investment options
- Strong online banking tools
Valuable Info: LHV Pank has become one of the top choices for e-residents, offering an efficient digital banking experience that’s especially helpful for international businesses.
Website: www.lhv.ee/en
2. Swedbank – 2 visits in Tallinn required
Key Features:
- Wide network of ATMs and branches across Estonia
- Offers both personal and business banking
- Online banking and investment services
Valuable Info: Swedbank is a household name in Estonia and provides a full spectrum of services for businesses, though non-residents may face higher fees.
Website: www.swedbank.ee
3. SEB Pank – mainly for residents of Estonia!
Key Features:
- Known for secure online banking
- Offers business credit, loans, and savings options
- Wealth management and investment tools
Valuable Info: SEB provides a solid foundation for Estonian businesses, but non-residents will face additional due diligence fees for account opening.
Website: www.seb.ee
4. Luminor Bank – Open Bank Account Here!
Key Features:
- Strong local presence and a good choice for businesses with ties to Estonia
- Business loans and investment options
- Digital banking platform
Valuable Info: Luminor is a good choice for businesses that need strong local services, but non-residents will need to pay higher due diligence fees.
Website: www.luminor.ee
5. Coop Pank – mainly for residents of Estonia
Key Features:
- Easy banking with integration to local retail services
- Offers business banking services
- Provides simple account management
Valuable Info: Coop Pank’s integration with local retail stores makes it unique, but it’s mainly focused on local businesses rather than international ones.
Website: www.cooppank.ee
6. Wise – Banking Solution – Works Worldwide!
Key Features:
- Low-cost international transfers
- Multi-currency accounts for businesses and individuals
- Transparent fee structure
Valuable Info: Wise is perfect for e-residents who need a cost-effective way to send money internationally and manage multiple currencies.
Website: www.wise.com
7. Revolut
Key Features:
- Global multi-currency accounts
- Includes cryptocurrency services
- Low-fee international payments
Valuable Info: Revolut is an excellent choice for international business owners and freelancers who need a versatile digital bank for handling multiple currencies.
Website: www.revolut.com
8. N26
Key Features:
- Free business accounts
- Simple and mobile-friendly app
- Excellent international money transfers
Valuable Info: N26 is a digital-first bank that offers great features for businesses, especially those that need global payment solutions.
Website: www.n26.com
9. Paysera
Key Features:
- Affordable international payments
- Multi-currency accounts
- Great for freelancers and small businesses
Valuable Info: Paysera is a great choice for small businesses that need cost-effective ways to receive payments and make international transactions.
Website: www.paysera.com
10. Payoneer
Key Features:
- Ideal for global business payments
- Multi-currency accounts and cards
- Easy to manage international invoices
Valuable Info: Payoneer is a go-to solution for businesses and freelancers looking to receive cross-border payments and manage their accounts in multiple currencies.
Website: www.payoneer.com
11. Satchel.eu
Key Features:
- Payment gateway for businesses
- Offers multi-currency IBAN accounts
- Ideal for payment processing
Valuable Info: Satchel.eu is great for businesses in need of comprehensive payment services and a secure payment gateway.
Website: www.satchel.eu
12. Intergiro
Key Features:
- Fintech solution for businesses
- Offers customized financial services
- Fast and secure payments for international businesses
Valuable Info: Intergiro is a solid choice for international businesses looking for a tailored financial service with efficient cross-border payments.
Website: www.intergiro.com
13. ConnectPay
Key Features:
- Provides payment solutions and multi-currency accounts
- Specializes in e-commerce and cross-border payments
- Simple online registration for accounts
Valuable Info: ConnectPay is an excellent option for businesses with a heavy online presence or those needing robust payment solutions.
Website: www.connectpay.com
14. Finom
Key Features:
- Comprehensive financial management tools for businesses
- Multi-currency accounts and payments
- Ideal for freelancers and small businesses
Valuable Info: Finom makes managing business finances easier, with powerful tools designed to streamline invoicing, accounting, and payments. It’s a solid option for entrepreneurs looking for efficient financial management.
Website: www.finom.co
15. Ozan
Key Features:
- Digital wallet for businesses
- Provides payment solutions for e-commerce
- Multi-currency capabilities
Valuable Info: Ozan offers a modern payment solution with a focus on e-commerce businesses, providing seamless transactions across borders.
Website: www.ozan.com
Conclusion
Choosing the right bank is an important decision for Estonian e-residents. It helps you manage your business, handle payments, and grow internationally. Estonia offers many banking options, including both traditional banks like Swedbank and SEB, and non-traditional platforms like Wise and Revolut.
Each bank has different benefits. Some offer great local services and others focus on international payments and multi-currency accounts. By looking at factors like fees, currency options, and ease of use, you can find the best bank for your needs.
Whether you’re a freelancer, running an online store, or managing a global business, there’s a banking solution that can help you succeed. Just make sure to compare the features and services of each option before making your choice!
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