Pricing
NOTE: Pricing is based on client business activity and risk profile. The exact pricing category will be determined during the onboarding process.
Onboarding
| Alpha | Beta | Gamma | Delta (Crypto, Forex, PSPs, FI, etc.) |
|
|---|---|---|---|---|
| Account Setup Non-refundable, paid upfront, EUR B2B IBAN |
€500 | €1,000 | €1,800 | Custom |
Operational
| Alpha | Beta | Gamma | Delta | |
|---|---|---|---|---|
| Additional IBAN EUR B2B IBAN |
€150 | €250 | €500 | Custom |
| Additional IBAN Multi-currency B2B IBAN |
€500 | €1,500 | €2,500 | Custom |
| Incoming SEPA Transfer | €1 | 0.25% (min. €10) |
0.5% (min. €15) |
Custom |
| Outgoing SEPA Transfer | €1 | 0.15% (min. €10) |
0.5% (min. €15) |
Custom |
| Incoming SWIFT Transfer | €25 | 0.5% (min. €40) |
1% (min. €40) |
Custom |
| Outgoing SWIFT Transfer | €25 | 0.5% (min. €40) |
1% (min. €40) |
Custom |
| Monthly Commitment | – | – | – | Custom |
| Monthly Maintenance | €50 | €50 | €50 | Custom |
| Open Account | Open Account | Open Account | Request Pricing |
Currency Exchange
| Alpha | Beta | Gamma | Delta | |
|---|---|---|---|---|
| Currency Exchange | 1.00% | 1.50% | 1.99% | Custom |
Prepaid Cards
| Plastic Cards | Virtual Cards | |
|---|---|---|
| Monthly Administration | €20 | €20 |
| Currency Conversion | 3% (min. €10) |
3% (min. €10) |
| Top-up Card | 2% (min. €10) |
2% (min. €10) |
| Issue New Card | €25 | €25 |
| Issue New Card + Shipping | €80 | – |
| Point Of Sale Transaction | 1.5% (min. €10) |
– |
| Cash Withdrawal ATM | 2% (min. €10) |
– |
| Cash Withdrawal ATM (Foreign Exchange) |
2% (min. €10) |
– |
| Card Replacement | €20 | – |
Other Services
| Alpha | Beta | Gamma | Delta | |
|---|---|---|---|---|
| Internal Transfer | 0.1% (min. €5) |
0.1% (min. €5) |
0.1% (min. €5) |
Custom |
| Express Transfer | €50 | €50 | €50 | Custom |
| Instant SEPA Transfer | €25 | €25 | €25 | Custom |
| ILS IBAN | €250 | €250 | €250 | Custom |
| ILS Transfer Outgoing | €25 | €25 | €25 | Custom |
| Invalid Account Replenishment (Applies to incoming funds) |
€100 | €100 | €100 | Custom |
| SEPA Transfer Cancellations | €100 | €100 | €100 | Custom |
| Data Cancellation, Investigation of International Transfer | €250 | €250 | €250 | Custom |
| Refund (When payment cannot be credited) |
€100 | €100 | €100 | Custom |
| Standard IBAN Certification | €50 | €50 | €50 | Custom |
| Special IBAN Certification | €100 | €100 | €100 | Custom |
| Transfer Confirmation | €20 | €20 | €20 | Custom |
| Compliance Intervention ** (eg. ODD, KYC refresh) |
€300 | €300 | €300 | Custom |
| Partial Compliance Intervention (eg. Partial ODD) |
€150 | €150 | €150 | Custom |
| ODD Documentation Non-compliance (Applies if documents are not submitted by the specified deadline) |
€150 | €150 | €150 | Custom |
| 2FA Reset | €50 | €50 | €50 | Custom |
| Email/Phone Change for Authorized Signatory | €100 | €100 | €100 | Custom |
| Customer Screening (Per entity checked on demand) |
€200 | €200 | €200 | Custom |
| Dormant SWIFT Account (After 3 months of no activity) |
€75 | €75 | €75 | Custom |
| Dormant SWIFT Account (After 6 months of no activity) |
€100 | €100 | €100 | Custom |
| Inactivity 3 Months | €500 | €500 | €500 | Custom |
| Inactivity 6 Months | €1,000 | €1,000 | €1,000 | Custom |
| Monthly Closing Balance (Charged on the portion of the closing balance exceeding €200,000) |
0.05% | 0.05% | 0.05% | Custom |
| Yearly Closing Balance (Charged to the full balance if the year-end closing balance exceeds €500,000) |
€0.08 (daily/€1,000) |
€0.08 (daily/€1,000) |
€0.08 (daily/€1,000) |
Custom |
| Account Closure | €250 | €500 | €1,000 | Custom |
* To complete account activation, the first incoming transaction must be a minimum of €1,000 and received within the initial 90 days. From this first transfer, €250 will be reserved as an Account Activation Deposit, which covers the monthly administration fee for the first 5 months.
** For any investigation requested by authorities, or as a result of new account-specific restrictions or findings, additional fees of up to €2,500 may be charged to your account.
Need a dedicated C2B/B2C solution?
Reach out to us at [email protected] to discuss a customized setup.
Client Categories
Wallter assigns a category to each client, and prices differ per category. Categories are assigned based on the following criteria:
| Risk | Jurisdiction | Business Activity |
|---|---|---|
| 🟢 Low – Mid Risk | EU / EEA or Non-EEA | Low-risk activities |
| 🟠 High Risk | EU / EEA or Non-EEA | High-risk activities |
| 🚨 High Risk | Any jurisdiction | ICO and crypto-related activities |
| EU/EEA Member Countries | Higher Risk Business Activity |
|---|---|
| The EU/EEA countries are: Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden. | Cryptocurrency exchange, healthcare, high-value dealers (artifacts and antiquities, gold, diamonds, other), ICOs, land-based/offline betting, casinos, gaming machines and poker, lotteries, online gambling, public procurement, real estate investment. |
Explanations And Definitions
- Final Decision: The final determination of a client’s assigned category and risk profile is at the sole discretion of Wallter.
- Application of Criteria: The criteria used to determine categories apply in most cases; however, Wallter reserves the right to adjust a category based on specific risk assessments.
- EEA – European Economic Area. A list of countries that are members of the EEA is provided above.
- To be considered an EEA-based company, the following requirements must all be met:
- The company applying for the account is incorporated in an EEA member country.
- The companies forming the ownership structure (if any) of the applying company are incorporated in EEA member countries.
- The Ultimate Beneficiary Owner (UBO), director(s), and shareholder(s) each have a passport issued by an EEA member country.
- The company’s headquarters is in an EEA member country.
- Risk Categorization: Wallter maintains a list of Higher Risk Business Activities (provided above). These activities require extensive due diligence and ongoing compliance monitoring. Any activity not listed is generally considered lower risk.
- ICO Activity: Initial Coin Offering (ICO) activities are automatically classified as High Risk, regardless of the jurisdiction of incorporation.
Other Considerations:
- Third-Party Fees: Any fees deducted by intermediary or beneficiary banks will not be compensated or reimbursed by Wallter.
- SEPA: In the SEPA (Single Euro Payments Area) scheme, all 27 EU member states and the 3 EEA countries (Iceland, Liechtenstein, and Norway) participate. Additionally, the following 11 non-EEA countries and territories are also part of SEPA: Albania, Andorra, Moldova, Monaco, North Macedonia , San Marino, Serbia, Switzerland, the United Kingdom (including Gibraltar, Guernsey, Jersey, and Isle of Man), and Vatican City State.
- SWIFT: Transfers in other currencies and/or Euro payments to banks in countries outside the EEA or SEPA. SWIFT transfers are restricted to outgoing payments and not available to the following industries: Adult content, Carbon credits, Cash, Charities, Counterfeit goods, Cryptocurrencies, Defence/military, Drug paraphernalia, Explosives, Gambling, High-value dealers, Illegal goods, MSBs / PSPs, Multi-Level Marketing (MLM), Pawnbrokers, Political Groups, Ponzi pyramid schemes, Precious Metals, Prostitution, Shell banks, Speculative Trading, Weapons.
- Invalid Account Replenishment: This fee applies to incoming transfers that cannot be processed automatically due to missing or incorrect details (e.g., missing reference number or incorrect IBAN) and require manual intervention to credit the funds.
- Refund Fee: Applies to incoming transfers that cannot be credited due to compliance restrictions or technical errors.
- Currency Exchange: Currency conversion is available and may be performed prior to initiating a transfer.
- Monthly Maintenance: This fee is debited from the account on the first day of each month for the previous month’s service.
- SEPA Transfer Cancellation: Cancellation requests must be submitted via email to [email protected].
- Standard/Special IBAN Certification: A Standard certification confirms that the company holds an IBAN account with Wallter. A Special certification fee applies if the document requires additional custom information or details beyond our standard template.