Sikirapay Bank Account

Sikirapay Business accounts are currently available for companies worldwide, except those registered in the countries listed below.

Blacklisted countries



Sikirapay provides digital money management solutions to customers all over the world, empowering them with cutting-edge technology for efficient financial operations. You can open an account with us regardless of your citizenship or financial history; however, there is a list of countries that we do not onboard clients from. You can find the full list of Blacklisted jurisdictions on the dedicated web page:

Blacklisted countries



We will add your application to our priority waiting list and will notify you as soon as our services become available in your country.


You can find the list of required documentation on our website:

Required documents for Individuals

Required documents for corporations


For KYC, AML, PEP, and ATL checks regarding your account application, you will receive a 13€ one-time fee invoice as soon as you begin your application.
You have to pay this fee as soon as you have received an invoice from us. Your account won’t be approved if you have not paid this amount.


The individual account costs 5,5€ per month. 


The corporate account opening costs 75€ as a one-time fee.


The corporate account costs 60€ per month.


Once your account is set up, you will receive an account activation link via email. You have 24 hours from when the email is sent to complete your registration. Click on the link in your mail and follow the instructions. If you do not do this within 24 hours, the link will expire due to security reasons. You may ask to receive another link.
The new link is valid for 24 hours. After 24 hours this link will expire due to security reasons.


To complete an account application, you need to enter a Referral Code.
You receive a referral code from our Affiliate Partner, i.e. from the person who invited you to open an account.
If you have not been invited and do not have a Referral code, contact us at to get a code.


Our goal is to have your account up and running within 48 hours and latest, within five (5) business days. This time frame presupposes that all requested documents are in order.


Yes, we offer private accounts to people with payment notes. We do not care about your financial records.


 We do not charge any fees for the account opening process. However, there are some processes required such as KYC, AML, PEP, and ATL that are performed by our partners, which we need to pay a fee of 13€ for. We will be invoicing you for this amount once you have applied for the account. 
1. One-time 13€ fee covers
KYC – know your customer.
AML- anti-money laundry
PEP- politically exposed person
ATL-anti-terrorism law


Two-step verification provides a second layer of protection when logging in.
Choosing strong, unique passwords for your online accounts is essential in ensuring that your personal information remains private. You must enable 2-step verification in your Google Account to use Google Authenticator.

You can find a Google Authenticator in the App store and Google Play.

  1. Download Google will see image below
  2. Open the application
  3. Scan QR code 
  4. Follow instructions


Our goal is to have your account open within 48 hours and latest within 5 business days. This time frame presupposes that all  requested documents are in order.


To open a Sikirapay Business account, we need to confirm the details of your company’s directors and primary shareholders. This policy is in line with the “Know Your Customer” (KYC) regulatory procedure, which helps Businesses verify the identity of their clients. You will need to provide the details of individuals who own more than 25% of the cumulative shares of your Business. These shareholders and directors will need to provide a high-quality photo of an official ID, valid for at least the next three months. You can invite them to submit their ID check autonomously or upload the documents on their behalf. Please note that we may ask for additional documents.


Your master account is opened in EUR and comes with a unique IBAN and BIC code, designated for SEPA payments only. There is a possibility to open additional accounts for international transfers in various currencies. To order accounts in other currencies please write to us at and we will get back to you with the most suitable solution for your transactional needs.


Yes. Any Personal or Business Client of Sikirapay is granted free access to our online banking services provided using the App and Web version.


Yes, You can easily access your Sikirapay account via your smartphone at or by downloading our mobile banking app (Sikirapay for iOS and Android). You can download the app here: “Coming soon”.


You can easily access your Sikirapay account through the web Client Office or directly from your smartphone, by downloading the Sikirapay app (for iOS and Android).

→Go to.


→choose Personal or Corporate accounts

You can download the app here: “Coming soon”


You can see your account details, including the IBAN, by viewing the video guide below

or  by following the written steps:

→Go to.


→choose Personal or Corporate accounts

→Go to the Accounts tab on the left side of your screen

→ Click on the Account that you need the information for

→ You IBAN is shown under the account number.

Sikirapay Mobile app

→ Sign in to your Sikirapay account

→ go to the Accounts tab

→ Click on the Account that you need the information for

→ Your IBAN is shown under the account number.

To receive funds to your Sikirapay account, you should provide your full account details to the payer. These can be found in your Sikirapay Client office:

→Go to


→choose Personal or Corporate accounts

→Go to the Accounts tab on the left side of your screen

→ Click on the Account number you need the information for

→ Click on “Receive money”. At the bottom of the page, you will see all the account details you will have to send to the person who will send the money to you.


To order accounts in other currencies, please mail to us and we will get back to you with the most suitable solution for your transactional needs.


If you would like to close your account, contact our Customer Support Team at from your registered email and request to initiate the account closure procedure. Please bear in mind that additional fees may be applied.

You can see our Corporate account tariff plans here.



Unfortunately, there is no possibility of reactivating an account that has been closed. If you wish to use our services again, please re-apply by submitting a Personal or Business account application form.


→Go to.


→choose Personal or Corporate accounts

→Go to the Accounts tab on the left side of your screen

→ Click on the Account that you need the information for

→ Click on the “Receive money”. At the bottom of the page you will se all the account details required to deposit money to your account.

Note: If you are making a transfer from another European bank account to your Sikirapay account in EUR, you have to make sure you are making a SEPA transfer to avoid any additional fees charged by your bank. The money will be credited to your Sikirapay account within 1-3 business days. Please note that SWIFT payments cannot be credited to a SEPA account.


Unfortunately, this option is unavailable at the moment.


In order to change your contact details or personal / business data, please contact our Customer Support team at


LOG IN to your account.

Click on the account number.

Click on Download Full statement


A complaint can be submitted via three channels:

  1. Registered mail sent to our office address Anläggarvägen 32, 13644 Handen, Stockholm, Sweden.
    2. E-mail;
    3. Online form

We welcome any constructive critical feedback from our customers and kindly ask you to provide a detailed explanation of the issue/s you are experiencing. This will help us take appropriate action immediately.


In order to reset your password go to log in and click on “I forgot my password”. We will mail to you a link to reset your password. see image below


To change your contact details, please contact our Customer Support team at


At Sikirapay, we strive for an improved user experience while maintaining high-security standards.

For that purpose, we have implemented two-factor authentication for your Sikirapay account. This adds another layer of security that protects your account from unauthorized access and your money at all times.

With 2FA, you will be asked to enter your password, and a unique password (OTP) will be sent to your Google authenticator each time you sign in to your Sikirapay account and make an outgoing transfer.


The security of your account is Sikirapay’s top priority. That’s why we have provided a two-step verification process that offers an additional layer of protection to keep your money and personal information safe.

How It Works

  1. The system will request you to enter your usual password.
  2. You will then open your Google Authenticator application installed on your phone to receive a one-time code (OTP) 
  3. Once you receive the OTP, you will need to enter it and click “Sign in” to log into your account.

The payment execution process will also be slightly different:

Once you enable OTP two-factor authentication, you will no longer need a transaction verification code. By enabling OTP 2FA, you will be able to send payments using Google Authenticator one time code (OTP), which will be sent to your mobile device.


Two-step verification provides a second layer of protection when logging in.
Choosing strong, unique passwords for your online accounts is essential in ensuring that your personal information remains private. You must enable 2-step verification in your Google Account to use Google Authenticator. Get started by visiting

You can find a Google Authenticator in the App store and Google Play.

  1. Download Google will see image below
  2. Scan the QR code
  3. Follow instructions
  4. If you need more info about Google Authenticator Go to


  1. Log into the Sikirapay mobile app using your password.
  2. Go to My Profile > Two-factor authentication > Tap the “Enable” button. Please read the information carefully and tap the “Done” button.
  3. You have enabled 2FA for your Sikirapay account!

Please note:

If you are using the Sikirapay app on multiple devices, you will first need to select a “master device” and enable 2FA on it in order for it to become a “trusted device”.


You can disable 2FA for your Sikirapay account – through the Sikirapay mobile app. Go to My Profile> Two-Factor authentication> Tap the “Disable” button.


If 2FA is disabled, you will still be able to log into your account, but the system will not allow you to access its functionality. Deactivation should only be performed when you are reinstalling the Sikirapay app or changing the “trusted device”.

Why Is It Useful?

2FA serves as an additional layer of security. When 2FA is enabled, you can be sure that any potential hacking attempts will be immediately detected and stopped.

2FA will give you the ability to protect your Sikirapay account with not only your password but also a special security key. The latter will be issued on a one-time basis. You will only be able to access and use it once through the Sikirapay app.

Additional notes:

For Android users: If you need to reinstall the Sikirapay app on your device, please disable 2FA on your account. After that, reinstall the app and re-enable 2FA on the device. If you reinstall the Sikirapay app without disabling 2FA, you will reset your “master device” settings. In this case, you will need to contact customer support to regain access to your account and disable 2FA.

For iOS users: There is no need to disable 2FA on your device when reinstalling the Sikirapay app. All technical settings are tied to your Apple ID.

If your “trusted device” has been stolen or lost, please contact our customer support immediately to temporarily suspend your account


You have to be at least 18 years old.


Of course, you can pay your bills directly from your account, as long as the recipients have provided their IBAN, BIC, or SWIFT account number. It’s a convenient feature that saves you time and hassle, and helps you keep track of your expenses.


Your account is an international bank account (IBAN), which means you can receive not only your salary but also any money transfer to your account. This is a convenient feature that allows you to easily manage your finances, no matter where you are in the world. Enjoy the benefits of having an IBAN account!


When transferring money between your accounts with Sikirapay, you won’t be charged any fees. However, if you decide to transfer money to another bank, to pay an invoice etc. you shall pay a flat rate of fee of 1.85€ per transaction. 


Your individual account is set up as a salary account. Depending on your salary you can send between 1 – 10.000 eur per transaction. If your salary exceeds this amount let us know and we will raise the limit.


Yes. Once you have been through our compliance process you can hold                    multiple accounts in different currencies.

Using your IBAN you can make transfers to individuals and businesses bank accounts within Europe (SEPA countries).

SWIFT Transfers can take up to 3 days and our standard SEPA times are below;

SEPA transfers 

Approximate time of crediting to the client’s account

8:45 PM – 9:30 AM (Credited11:10 AM)

9:30 AM – 12 PM (Credited 1:40 PM)

12:00 PM – 2:30 PM (Credited 4:10 PM)

2:30 PM – 4:30 PM (Credited  5:40 PM)

4:30 PM – 8:45 PM  on the following business day at 9:00 AM


 You will need to be able to identify yourself/ the company you wish  to open an  account for by answering the questions set out in our onboarding form. The documents required in this form are to verify the information received to open an account. Please contact us to start onboarding process. 

Within the SEPA system, all transactions require the sender’s and beneficiary’s IBAN, or International Bank Account Number, which is a unique code that serves as an address from and to which the payment is sent. IBAN contains the bank identifier, the country code, and the account number in the bank itself, which makes it sufficient to execute most payments, especially Credit Transfers.


An IBAN contains the bank chain number or code, a two-digit country code, a checksum to ensure its integrity, and the account number in the financial institution itself. A regular IBAN looks like this:

DE89 3704 0044 0532 0130 00

Here, DE — is the code for Germany, 89 is the control number, calculated using all other digits, 3704 0044 is the code of the bank, as well as of the bank office the account was opened at, and 0532 0130 00 is the account number. Such a precise coding system minimizes the possibility of errors and ensures that every transaction reaches its recipient.

It is worth mentioning, that in different countries IBANs may contain extra letters together with digits; however, the length and overall appearance is generally identical.

Business Identifier Code, or BIC, is a unique short code that serves for the identification of banks, their branches, credit unions, and other money institutions. For SEPA CT within the Eurozone, these are usually not needed, but sometimes a bank may require this information to issue Direct Debit payments.


A BIC contains four digits that stand for the bank code, a two-digit country code, and two to five digits (letters or numbers) that indicate the exact bank office. Here’s an example:


Here, UAPL is the designated code for Sikirapay, LT is the country code of Lithuania, and 21XXX is the company’s designation for the central office in Vilnius.


SWIFT is another cross-border wire transfer network, which is accessible from pretty much anywhere. Currently, over 10,000 banking institutions in 210 states are connected to SWIFT. Its rules are practically identical to those of SEPA; however, SWIFT transactions are executed in pretty much any currency. Businesses located in Europe use SWIFT for their financial operations, but there are several key differences that make SEPA much more convenient for Euro payments.

SWIFT is not free. Any bank is allowed to set and charge commissions, for both incoming and outgoing transactions. Not all financial institutions are connected to SWIFT without third parties, but instead use correspondent banks that act on their behalf, following mutual agreements. Thus, one simple transaction may sometimes be subject to fees from a couple of different institutions!

Another difference is transaction speed. While SEPA instant credit transfers only need ten seconds to be executed, some SWIFT transactions may take up to a few working days.

SWIFT supports any currency, and this is both an advantage and a drawback. Let’s say, the recipient and sender operate in two different currencies. In this case, the funds will be converted automatically using exchange rates that are not beneficial to the parties, along with institutional commissions.

SWIFT is a fundamental worldwide payment instrument that is, however, slowly giving up to SEPA transfers, as more and more businesses outside of Europe are opening Euro current accounts to operate within the system.

It is worth mentioning that since these two methods are different, SWIFT transfer cannot be received on a SEPA account, and vice versa.

The SEPA countries include 27 EU member states: Austria, Belgium, Bulgaria, Croatia, Cyprus, The Czech Republic, Denmark, Estonia, Finland,  France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, The Nederlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden

and the

United Kingdom, Iceland, Norway, Liechtenstein, Monaco, Switzerland.




You can not apply for the account if you are an individual with an address in any of the countries listed below or a company registered in any of the countries listed below :

Afghanistan – Bahamas – Barbados – Belarus – Ethiopia – Central African Republic – Congo – Guinea – Guyana – Haiti – Iran – Iraq – Lebanon – Libya – Mali – Myanmar – North Korea -Russia- Syria – Somalia – Sudan – Sri Lanka – Trinidad and Tobago – Tunisia – Uganda-Venezuela – Zimbabwe – Yemen 



To pay a bill, an invoice etc. costs 1,85€. That is a flat rate and does not depend on the sum you pay.


How flatrate works:

  1. Suppose You want to pay a bil of 10€. You will be charged transaction fee of 1,85€.

2. You want to pay a bill of 1000€. You will be charged transaction fee of 1,85€.



To transfer money to another bank costs flat rate of 1,85€. Not dependent of the sum you transfer.

Transferring money between Sikirapay accounts is free of charge.

Transferring money to your Sikirapay Master card costs 0,0030% of the sum you are transferring.


Suppose you will transfer 10€ to your card.

10€ x 0,003% = 0,03€ or 3 cent.

Yes, you can have more than one IBAN. You can not add an IBAN by yourself but if you mail to us your needs we will set it up for you. 

 Mail to us at 


You are not 100% satisfied?
Contact our support team via phone, email or live chat.

+468 51 01 20 95