Open European Bank Account Online as a Non-Resident

Remote EU Bank Account Access for Non-Residents

One of the key advantages of the European banking system is the ability to open a fully functional bank account or IBAN account—even if you are not an EU resident. Whether you are an individual or a business entity incorporated outside the EU, you can remotely apply for and operate your account entirely online through your laptop or mobile device.

These offshore IBAN accounts are valid across all EU member states and are fully compatible with SEPA transfers. Additionally, they include SWIFT capabilities, enabling international money transfers to and from Europe.

It's important to note that non-resident individuals or companies registered outside the EU may be subject to higher fees and enhanced compliance checks. However, opening an EU bank account online is still entirely possible for both personal and business use.

Once your account is active, you gain full access to mobile and online banking services. You can conduct business as seamlessly as any EU-based entity, using a dedicated IBAN valid in countries like Germany, Ireland, France, Estonia, Portugal, Spain, Greece, and Italy, among others.

Monvenience offers a unique value proposition by enabling both individuals and corporate entities to open offshore IBAN accounts using documents from their local jurisdictions—even if they are not based in the EU. However, services are not available to clients from jurisdictions on the FATF grey list. Please refer to the footer for a full list of restricted countries.

Enjoy full control and convenience with remote onboarding, and say goodbye to in-person bank visits, travel expenses, or disruptions due to events like COVID-19. These accounts are not only robust and secure, but also multi-currency—supporting your business wherever you go.

Security and Efficiency in Uncertain Times

Opening a European bank account provides greater financial security in today’s volatile world. With currency fluctuations, shifting regulations, and geopolitical challenges, having a reliable offshore banking solution ensures stability and flexibility.

Connected directly to Europe’s strong financial infrastructure, your EU-based account enhances trust with partners and clients while offering significant savings—up to 80%—on transaction costs and processing times. The result: faster payments, improved credibility, and more efficient global operations.

Why Choose a European Bank Account for Non-Residents?

• No need for EU residency or address
• Multi-currency IBAN accounts in your name
• Access to both SEPA & SWIFT networks
• Ideal for global freelancers, startups, and expats
• Full online management via app or web dashboard

How It Works

You can open a European bank account remotely using your national ID, passport, and proof of address—even if your company or residency is outside the EU. After approval, you get a unique IBAN account and optional prepaid card linked to it.

These accounts work in countries like Germany, France, Estonia, Portugal, and more. Monvenience ensures fast onboarding and global access with regulatory compliance.

Supported Currencies

Our multi-currency accounts include:

• Major: EUR, USD, GBP, CHF, CAD, JPY, AUD
• Additional: SGD, CNH, NOK, SEK, DKK, HUF, CZK, PLN, RON, BGN, MXN, PHP, IDR, INR, MYR

Optional Prepaid Card

Enjoy global access to your funds with a prepaid virtual or physical card connected to your IBAN account:

• Withdraw from international ATMs
• Pay in-store or online
• Control usage via mobile app

Why Monvenience?

• Remote onboarding for individuals & businesses
• Transparent pricing with no hidden fees
• Dedicated support team
• Regulatory compliance with European partners

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