Enter the digital
fintech world.
Innovative solutions centered around making it easy to manage your daily expenses: dedicated IBAN, payment cards and cryptocurrency exchange.
Services
Everything in one account
Four services, one platform, full transparency.
Dedicated IBAN
A personal IBAN in your own name. Receive salaries, settle invoices, send SEPA transfers across Europe.
Discover →Dedicated cards
Physical and virtual cards available for worldwide use, controlled from your app.
Discover →Cryptocurrency exchange
Temporarily suspendedTrade and manage portfolios through an easy-to-use cryptocurrency exchange.
Discover →Crypto payments
Coming soonSpend your cryptocurrencies with your virtual and physical cards.
Discover →Get started
A streamlined onboarding for serious account holders.
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Sign up for free
Open your account online from our portal.
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Confirm your identity
Complete KYC with a government-issued ID and a proof of address.
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You're ready to go!
Receive your IBAN, order your card, manage your money.
Our plans
Basic
All the basic tools for your daily expenses
Free
Account
- Incoming transfer (SEPA)
- 0
- Outgoing transfer (SEPA)
- 0.1% (min 5€)
- Internal transfer
- 1€
- Deposit by card
- 1%
- Monthly fee
- Free
Crypto
Temporarily suspended- Trade
- 1.5%
- Deposit
- Free
- Withdrawal
- GAS (0.01%)
Physical card
- Create
- 15€
- Top-up
- 2€
- POS payment
- 0.35€
Virtual card
- Create
- Free (max 2 vCards)
- Top-up
- 2€
- POS payment
- 0.35€
Elite
Advanced options for all of your needs
EUR 15/month
Account
- Incoming transfer (SEPA)
- Free
- Outgoing transfer (SEPA)
- Free
- Internal transfer
- Free
- Deposit by card
- 1%
- Monthly fee
- 15€
Crypto
Temporarily suspended- Trade
- 1.5%
- Deposit
- Free
- Withdrawal
- GAS
Physical card
- Create
- Free for first card
- Top-up
- Free
- POS payment
- 0.35€
Virtual card
- Create
- Free (max 2 vCards)
- Top-up
- Free
- POS payment
- 0.35€
Crypto services are temporarily suspended pending regulatory authorization. See our official communication.
Refer your friends. Get rewarded.
Introduce your friends to our platform and earn rewards. Get 10% of the fees and commissions paid by each friend you refer, up to 10 friends. From 11 to 20 friends the rate rises to 15%, and beyond 20 friends you enjoy 20% rewards.
Start referring today!
All in one solution
Download our app
Transform your financial journey with our all-in-one fintech app. From tracking expenses to making secure transactions, our app has you covered. Download it on Google Play and the App Store.
Regulated
- Info
Regulated
Operator XWARD PAY Inc. · FINTRAC registration M21791680
- Info
Privacy
GDPR compliant. EU representative in Vilnius.
- Info
Transparency
Ready to start?
Open your DTS Money account. Our team is available if you have questions before signing up.