ACCOUNTS
A euro IBAN or a US dollar account, settled in stablecoins.
You get a EUR account with an IBAN if you live in the EU or EEA, or a USD account if you live elsewhere. Money sent to your account converts to USDC or EURC and arrives in the wallet you link. GBP accounts are coming soon.
For EU and EEA residents.
- Fiat
- EUR with an IBAN
- Stablecoin
- EURC
- Deposit fee
- 0.20%
- Payout fee
- 0.20%
- SEPA · €2
- SEPA Instant · €2
For residents outside the EU and EEA.
- Fiat
- USD via ACH and wire
- Stablecoin
- USDC
- Deposit fee
- 0.20%
- Payout fee
- 0.20%
- ACH · $2
- Wire / SWIFT · $45
Not open yet.
- Fiat
- GBP via Faster Payments
- Stablecoin
- USDC
- Deposit fee
- 0.80%
- Payout fee
- 0.80%
- Faster Payments · £2
Accounts are provided by MoonPay Virtual Accounts, powered by Iron (a MoonPay company). Payments are received at Lead Bank in the US and Banking Circle in Europe. LurraPay isn't a bank and doesn't hold the money in your account.
TRANSFERS
How a transfer works
If you live in the EU or EEA, EUR arrives at your IBAN over SEPA or SEPA Instant. If you live elsewhere, USD arrives over ACH or wire.
Euros convert to EURC and dollars to USDC, and the stablecoins arrive in the wallet you link.
Swap between USDC, EURC, USDT, USDe and PYUSD in your account. You see the quote before you confirm.
To cash out, send stablecoins back and the money lands in your bank account. On the free plan, each deposit and payout costs 0.20% plus a flat fee per transfer.
SIGN UP
Get your account details.
New accounts pay a $10 stablecoin deposit before identity verification. We refund it after your 10th completed on-ramp or off-ramp. LurraPay Wallet buyers don't pay it.
Frequently asked
Something not covered here? Email hello@lurrapay.com.
Is LurraPay a bank?
No. LurraPay is a technology platform. Your account is provided by MoonPay Virtual Accounts, powered by Iron (a MoonPay company), and its partner banks.
Which account will I get?
It depends on where you live. You get a EUR account with an IBAN if you live in the EU or EEA, or a USD account if you live elsewhere. GBP accounts are coming soon. EUR accounts take SEPA transfers, including SEPA Instant, and USD accounts take ACH and wire transfers.
What happens to money I send to my account?
Dollars convert to USDC and euros to EURC, and the stablecoins arrive in the wallet you link. To cash out, send stablecoins back and the money lands in your bank account.
Does LurraPay hold my money?
Only the refundable $10 verification deposit. Money paid into your account sits with our partner until it converts, and the stablecoins go to the wallet you link.
Which stablecoins can I use?
Deposits arrive as USDC or EURC, and you can swap between USDC, EURC, USDT, USDe and PYUSD. The app only offers the networks each coin works on. EURC, for example, is on Ethereum, Solana and Base.
Why is there a $10 deposit?
It keeps spam and fake accounts off the platform. New accounts pay a $10 stablecoin deposit before identity verification, and we refund it after your 10th completed on-ramp or off-ramp. It isn't refunded if verification is declined or the account closes before then. LurraPay Wallet buyers don't pay it.
How does the LurraPay Wallet connect to my account?
It connects over Wi-Fi on its own, without a phone or computer. Once you link it to your LurraPay account, you can cash out to your bank from the device: swap a coin to a stablecoin, then send that to your bank. Buying works the same way in reverse. The wallet ships in November 2026.
Can I use LurraPay without the wallet?
Yes. Accounts are live now and work in your browser. The LurraPay Wallet is a separate purchase.
Where is LurraPay based?
LurraPay Inc., a Cayman Islands company, provides LurraPay accounts. The LurraPay Wallet is made, sold and shipped by LurraPay AG, a separate technology company in Switzerland that does not provide financial services.