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FINCI vs Paysera: what each publishes

As of October 26, 2026, FINCI takes these industries by its own published rules: AI and SaaS; iGaming, with conditions; Forex and CFD, with conditions; Marketplace, with conditions. Paysera: iGaming, with conditions; Forex and CFD, with conditions.

FINCIBank of LithuaniaPayseraBank of Lithuania

Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.

Where it takes companies from

FINCI

Its own list of countries, quoted below with its source and date

Paysera

Its own list of countries, quoted below with its source and date

Policy by industry

FINCI and Paysera: published policy by industry
IndustryFINCIPaysera
AI and SaaSYesNo rule found yet
iGamingWith conditionsWith conditions
Forex and CFDWith conditionsWith conditions
MarketplaceWith conditionsNo rule found yet
CryptoDepends on the activityNo
AdultNoNo rule found yet
Unlicensed financial servicesNoNo

Where owners must live

FINCI

No published rule

Paysera

No rule found yet

Rules about countries

FINCI

Kindly note that although your company can be registered outside the EEA, it is crucial that your main business activities are connected to the EEA. This connection is necessary for us to assess and consider your business account application.

FINCI · Takes companies registered in · · Source
All countries named (67)

Argentina, Armenia, Australia, Austria, Azerbaijan, Bahrain, Belgium, Bosnia & Herzegovina, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Israel, Italy, Japan, Kazakhstan, Kosovo, Kuwait, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Moldova, Montenegro, Morocco, Netherlands, New Zealand, Nigeria, North Macedonia, Norway, Poland, Portugal, Qatar, Romania, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Türkiye, Turkmenistan, Ukraine, United Arab Emirates, United Kingdom, United States, Uzbekistan

Paysera

See where Paysera business accounts are currently available … Supported regions

Paysera · Takes companies registered in · · Source
All countries named (70)

Albania, Algeria, Argentina, Armenia, Austria, Belgium, Brazil, Bulgaria, Canada, Chile, Croatia, Cyprus, Czechia, Denmark, Dominican Republic, Ecuador, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Italy, Jordan, Kosovo, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Moldova, Montenegro, Morocco, Netherlands, North Macedonia, Norway, Oman, Paraguay, Peru, Poland, Portugal, Romania, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Korea, Spain, Sri Lanka, Sweden, Switzerland, Taiwan, Thailand, Tunisia, Türkiye, Ukraine, United Arab Emirates, United Kingdom, United States

Registration and client onboarding is currently unavailable for the citizens of this country.

Paysera · Refuses owners who hold the passport of · · Source
All countries named (36)

Andorra, Aruba, Bahrain, Brunei, Burkina Faso, Burundi, Cameroon, China, Congo-Brazzaville, Costa Rica, Djibouti, DR Congo, Egypt, El Salvador, Eritrea, Gabon, Gambia, Jamaica, Kenya, Kuwait, Macao, Mali, Mauritania, Mauritius, Namibia, Niger, Nigeria, Panama, Qatar, Seychelles, South Africa, Suriname, Tanzania, Turkmenistan, Uruguay, Venezuela

Countries, cooperation with which is prohibited and transfers to which are not performed:

Paysera · Refuses companies or owners from · · Source

Afghanistan, Belarus, Central African Republic, Cuba, Guinea, Guinea-Bissau, Iran, Iraq, Laos, Lebanon, Libya, Myanmar, North Korea, Palestinian Territories, Russia, Somalia, South Sudan, Sudan, Syria, Vanuatu, Yemen, Zimbabwe

Fees

FINCI

FINCI: published fees
PlanAccount openingMonthlyChecked
Standard€50 "Verification of Client's documents" (not returned if FINCI refuses the account) + €15 account opening€20 a month · Source
Enterprise€100 "Verification of Client's documents" (not returned if FINCI refuses the account) + €50 account opening€45 a month · Source
Premium€1000 "Verification of Client's documents" (not returned if FINCI refuses the account) + €120 account opening€120 a month · Source

Paysera

Paysera: published fees
PlanAccount openingMonthlyChecked
Business account (company registered in a SEPA country)Free to open ('Account opening for companies registered in SEPA countries, Albania, or Kosovo is absolutely free of charge') only if Paysera does not class the company as an international company or a financial service provider; it counts as international a company that 'does not conduct such activity in the country of registration', one with 'significant tax relief', or one that need not file financial statements, and those pay EUR 100 to openEUR 5 a month for the company, however many accounts it holds; companies in Bulgaria and Romania pay none ('A monthly account administration fee of 5 EUR applies to all companies registered in SEPA countries (except Bulgaria and Romania)') · Source
International company or financial service providerEUR 100 one-off ('regardless of the country of their registration, is 100 EUR')EUR 20 a month · Source

Closing an account

FINCI

15.2.2. FINCI has the right to unilaterally and out-of-court terminate the Service agreement without specifying the reasons by notifying the Client thereof 60 (sixty) calendar days (if the Client is not the Consumer - 30 (thirty) calendar days) in advance

Notice before closing · · Source

Account closed or frozen? What FINCI’s terms say

Paysera

Paysera has the right to terminate the Agreement and its Supplements unilaterally and refuse to provide services without indicating the reason, notifying the Client thereof 60 (sixty) days in advance by means provided in Article 10 of the present Agreement.

Notice before closing · · Source

Account closed or frozen? What Paysera’s terms say

Licence

LicenseeFINCIPaysera
LicenseeFinci, UAB (FINCI) · EMI licensed by the Bank of Lithuania (licence No. 60, authorisation LB001933, valid from 2019-12-05)Paysera LT, UAB · EMI licensed by the Bank of Lithuania (authorisation LB000251, valid from 2012-09-27)
RegulatorBank of Lithuania · Bank of Lithuania ·