How to Open EU Bank Account Online

Personal and business accounts with a Netherlands IBAN. No branch. No residency. KYC in ~4 minutes.

FCA Regulated
KYC ~4 Min
Verified in 1 Business Day
190+ Countries
38+ Currencies
Safeguarded Funds
Open an AccountSee Pricing

What is NOWE

NOWE Money is a multi-currency fintech platform operated by NOWE Money B.V., registered in Amsterdam, Netherlands (KvK 98048260). It offers personal and business accounts with EU IBANs, SEPA payments, international FX across 190+ countries, and 38+ currencies. Payment services are provided by Equals Money PLC (FCA #900190). KYC takes ~4 minutes; accounts verified within 1 business day.

Everything in Your NOWE Personal Account

EU IBAN Issued

Netherlands IBAN ready the day your identity verification completes.

Free SEPA Transfers

Send euros across 36 European countries at zero cost, instantly.

38+ Currencies

Hold, convert, and send money worldwide with up to 2% FX conversion.

190+ Countries Covered

Receive SWIFT payments from virtually anywhere in the world.

NOWE Personal vs Traditional Banks

Account Opening
Nowe Money100% online, ~4 min KYC
Traditional BanksIn-branch or lengthy online process
Verification Time
Nowe MoneyUsually 1 business day
Traditional Banks5–10 business days
Residency Required
Nowe MoneyNo, 190+ countries
Traditional BanksUsually yes
FX Rate
Nowe MoneyUp to 2%
Traditional Banks3–5% typical
SEPA Transfers
Nowe MoneyFree
Traditional Banks€0.50–€5 per transfer
Multi-Currency Support
Nowe Money38+ currencies
Traditional Banks1–3 currencies
SWIFT Receive
Nowe Money(Tier-dependent fees)
Traditional Banks(Higher fees)

How UAE founders open EU business accounts without bank rejections

E-commerce founders in the UAE use NOWE to open EU business accounts online and receive EUR payments without traditional bank barriers.

Opened a business account online in one day, after multiple EU bank rejections.

We kept getting rejected by EU banks. NOWE let us open a business account online, and start receiving EUR payments immediately.

AK

Amira K.

Founder, E-Commerce Agency

🇦🇪 UAE

Regulated and safeguarded

FCA #900190

FCA authorised

Payment services via Equals Money PLC, authorised and regulated by the UK Financial Conduct Authority.

PSD2

Safeguarded funds

PSD2-compliant. Client funds held in safeguarded accounts, never used for credit or speculation.

KvK 98048260

NOWE Money B.V.

KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Netherlands
Private limited liability company registered in the Netherlands.

Compliance full details →
Legal disclaimer

NOWE Money B.V. is a private limited liability company registered in the Netherlands, listed with the Dutch Chamber of Commerce (KvK) under number 98048260, with registered office at John M. Keynesplein 4, 1066 EP Amsterdam. Payment services are provided by Equals Money PLC, authorised and regulated by the Financial Conduct Authority (FCA) under registration number 900190. Funds are held in safeguarded accounts and are not covered by the Financial Services Compensation Scheme (FSCS).

Frequently Asked Questions

NOWE's KYC form takes ~4 minutes to complete. Most accounts are verified within 1 business day. You will receive your Netherlands EU IBAN as soon as verification is complete.

For individuals

Open Your EU Account Online

Netherlands NL IBAN. Free SEPA. Up to 2% FX. Verified in ~1 business day.

Open a Personal AccountSee Pricing