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Profile last updated December 2025

About

About

Genome is a pan-European electronic money institution licensed and supervised by the Bank of Lithuania. We provide an all-in-one finance ecosystem in 50+ countries, fully online.

Services available for you: 

Pricing packages are available for both low-risk and high-risk businesses, ensuring tailored financial solutions for every need.

Discover streamlined global transactions with Genome, designed to simplify business finance without compromising on speed or security.


Our target clients

Our target clients

Supported languages

    English • French • German • Italian • Lithuanian • Norwegian • Spanish • Ukrainian

Supported businesses

    Freelancer (single shareholder) • Micro/small/medium (multiple shareholders) • Large

Target markets

  • Service provider operates in a broad range of markets and regions.

Target industries

  • Service provider accepts a broad range of industries.

Banking details

Banking details

Type of institution

  • Authorized Payment Institution

Location of headquarters

    Lithuania

Supported currencies

    EUR - Euro

IBAN receiving bank details

    Lithuania

Online application available

  • Yes

Additional in-person visit needed for applying

  • No

Substantial business connection to Estonia required

  • No

Approximate application processing time in business days

  • up to 1 business day

Monthly subscription fee

  • 10-100€

Transaction fee

  • See website

Currency conversion inside the account fee

  • 1%

Payment gateway and processing services

  • Yes

Licence and certification

Licence and certification


Packages and pricing

Packages and pricing

1 EUR/card for the first 100 virtual debit cards

First 100 virtual debit cards for 1 EUR each

1 service included

Prices include Estonian VAT (24%)


Services and pricing

Services and pricing

IBAN provider
from 100 EUR/Unit
IBAN provider
from 100 EUR/Unit
Multi currency account
Free
Multi currency account
Free
Business banking account
from 100 EUR/Unit
Business banking account
from 100 EUR/Unit
Monthly account fee
from 100 EUR/Year
Monthly account fee
from 100 EUR/Year
SEPA payments
1 EUR/Unit
SEPA payments
1 EUR/Unit
International payments
from 1 EUR/Unit
International payments
from 1 EUR/Unit
SWIFT
from 10 EUR/Unit
SWIFT
from 10 EUR/Unit
Debit/credit/pre-paid card
from 1 EUR/Unit
Debit/credit/pre-paid card
from 1 EUR/Unit
Fintech
Upon request
Fintech
Upon request

Prices include Estonian VAT (24%)


Campaigns

Campaigns

Free transfers between Genome users

27 May – 31 December 2025

Open a business account at Genome and get unlimited free money transfers between Genome users. Whether you're sending or receiving, direct payments inside Genome come at no cost. Onboard online and access a dedicated EUR IBAN.

Get 100 virtual debit cards for business - just €1 each

27 May – 31 December 2025

Business wallet users can activate the first 100 corporate virtual debit cards for just 1 EUR/card. Order your virtual cards in just a couple of taps and start using them within minutes. Link cards to accounts in EUR, USD, GBP, PLN, CHF, CZK, HUF, or SEK.

Send and receive instant EUR payments!

27 May – 31 December 2025

Unlock instant money transfers for your business payments in euros - the fastest way to transfer funds in the SEPA area! Facilitate your transfers online with just a few clicks - from your home, office, or on the go! The payment will arrive within seconds!


Eligibility

Eligibility

1. Fill in the KYC form and upload corporate documents

2. If data isn’t available from official registries, we’ll ask you to provide it.

3. We may request a recent utility bill as proof of address

4. UBOs must submit a valid ID document

5. The director or authorized representative must complete online identity verification.

6. High-risk level clients may be asked for additional documents.

For details, see Genome's guide to account opening


Restrictions

Restrictions


Articles

Articles

Article illustration

Genome cards: order online in seconds, pay contactless, and more

Article illustration

Major currencies for business accounts, global payments, and cards

Article illustration

Instant SEPA transfers - easy euro payments within seconds

Article illustration

Business account - online: no borders, minimum documentation


Reviews

Newest first

Uladzislau Prudnikau

November 2025

November 2025

Unfortunately they are Nazist, and do not even hide it. I opened an account, and they blocked me without any warning on the very next day. I had to reach out their support by myself to ask what was the reason – well they said literally "we don't work with people of your nationality". Even though I am legal permanent resident of EU, live and pay taxes here for years. Crazy!

Genome replied November 2025

Hello, thank you for your comment. Genome operates under strict EU and international regulations that prohibit us from providing services to residents or nationals of certain countries. Your account verification was automatically declined in line with these requirements, and this was communicated by our support team.

0 Found helpful


Allan Henderson Edmond Jr

April 2025

April 2025

Becarful they might be scammers, I signed up for an account with Genome. As I was going through the verification process, I submitted a USA government issued Drivers License and it got rejected, this was the email Genome sent me. Your account didn’t pass the verification because you have used the wrong type of document. Please, go back to your dashboard, proceed to verification and add the correct type of document. So I uploaded my passport and Genome shut down my account and got this email. We are closing your wallet according to our T&C Dear client, Please be informed that under our Terms and Conditions (Clauses 12 and 20), and our internal Risk and AML Policies, we are closing your individual Genome wallet 105XXXXXXX with immediate effect. You can read more about our Terms and Conditions here: https://genome.eu/terms If you disagree with our decision, you may first file a complaint with Genome. If you are not satisfied with our response, you have the right to escalate your claim through the Bank of Lithuania's electronic consumer dispute resolution system and/or directly with the Bank of Lithuania. Best regards, Genome team My question is why do you need to see two offical ID documents to just close the account? Seems very odd becareful with this company. They maybe scammers.

0 Found helpful


Cecil Eduardo Campos Costa

November 2023

November 2023

After being disappointed with Wise as they said any new Estonia comapny shall be in a waiting list, I decided to search for another service which could give me am IBAN. Everything went fine, and after submiting my documents, I got my IBAN approved in less than 5 min. Will update here in case I change my opinion.