Your money.
Your rules.

Your own EU IBAN, a virtual Visa and SEPA for your work. No paperwork and no branch. You open the account on the web, and the card is in your phone.

How it works
3 minutesaccount online, ID photo on your phone
EU IBANin your name or your company's
0 CZKaccount keeping on Free
9:41📶 🔋
Account

Preview

24 180,00 CZK
•••• •••• •••• 4418
Add to Apple Pay
💬Pokalbis
👥Kontaktai
🧭Kompasas
👤Aš

The card is in your phone before any envelope arrives.

01

An account that fits the work.

You photograph the ID, look at the camera, and the account is open. Usually within three minutes. If a person has to check it, you see that right away.

02

The card in your phone

Right after approval the Visa is in Apple Pay and Google Pay. The matte physical card comes with Premium, and in the first year of Business.

03

Money across Europe

The IBAN is in your name. A client pays you, you pay onward. Across the Union, instantly where that is possible.

04

The price you see

Exchange, an ATM and a transfer over the limit show the number before you confirm. Nothing new shows up on the statement.

Opening

Three steps. Then you have an IBAN.

9:41📶 🔋
Your ID
The whole document inside the frame
💬Pokalbis
👥Kontaktai
🧭Kompasas
👤Aš

Pick the account that matches the work.

Free to start. Premium for Atlayo clients. Business for a company.

To start

Free

0 CZK / month

Account keeping and a virtual Visa

  • 1 personal account, 1 EU IBAN
  • 1 virtual Visa, Apple Pay / Google Pay
  • Incoming SEPA: 0 CZK
  • Outgoing SEPA: first 15 a month included
  • Physical card: one-off, price shown before you order
  • Income and spending in the account
For Atlayo clients

Premium

99 CZK / month

The account next to your invoices, card included

  • Personal account, EU IBAN for the invoice
  • Virtual Visa and a matte physical card
  • Apple Pay and Google Pay
  • Outgoing SEPA: 40 a month included
  • Payments next to invoices in Harbor
  • Priority opening, and a second card for subscriptions
For a company

Business

249 CZK / month

excl. VAT · company account, more cards, export

  • Account for a company, ID from the register
  • IBAN in the company name, company name on the card
  • Up to 5 cards for the team
  • Outgoing SEPA: 100 a month included
  • Payment export and a link to Harbor invoices
  • A physical card for the director in the first year

Exchange rate, ATM withdrawals and outgoing SEPA above the limit are shown before you confirm. The same number is in the price list.

Before you open it

What is an Atlayo account?

An account for your work. Your own EU IBAN, a virtual Visa and SEPA. You open it here, with no branch. The number on this page is a preview.

How fast does the account open?

With a readable document, usually within three minutes. A company with a more complicated structure can go to a manual review. You see the status in the window.

Which IBAN do I get?

Your own IBAN in the EU, for a person or a company. You can put it on an invoice. The sample number on this page is a preview, not an issued account.

When is the card in Apple Pay?

You add the virtual card from the Atlayo app on an iPhone or Android after the account is active. On a computer this page hands you over to the phone.

What does a transfer cost?

Incoming SEPA is 0 CZK. Outgoing transfers are included up to the plan limit. Another one has a price in the price list. A foreign currency shows the rate and the fee before you send it.

Can I close the account?

Yes, in the account settings. You transfer the balance first. Identification data is kept for as long as the law requires.

You can have an IBAN today.

An ID, a minute to verify, an account in your name.

Free when you are starting. Premium when you already invoice in Atlayo. Business when the account should be in the company name.