Now live across the EU · Licensed in the European Union

Banking, refined
for a modern
Europe.

Banco PLATA EU is the premium digital bank for people who move fast. Open EUR and USD accounts, hold USDT and USDC, exchange instantly and spend anywhere — all from one elegant app.

Licensed in the EU
Deposits protected up to €100,000
450K+ verified users
Everything you need

One app. Every money move.

A full-featured digital bank designed around how Europeans really live, work and travel.

EUR & USD accounts

Hold and spend in both currencies with dedicated IBANs and local details.

USDT wallet

Hold Tether on Tron and Ethereum, swap into EUR or USD instantly.

USDC wallet

Native USDC support with instant on-ramp from your PLATA balance.

Instant exchange

Convert between currencies in one tap at real interbank rates.

Virtual cards

Create disposable cards for every subscription, in seconds.

Physical cards

A weighted metal card, delivered anywhere in the EU.

Loans

Transparent personal loans with instant eligibility decisions.

Secure verification

Bank-grade KYC with biometric ID checks in under two minutes.

Premium security

3-D Secure, on-device biometrics, and 24/7 fraud monitoring.

End-to-end encrypted. Regulated in the European Union.
Cards

Beautifully crafted. In EUR and USD.

Two accounts, two currencies, one card family. Spend abroad without hidden fees, and switch between EUR and USD instantly from the app.

  • Zero fees on foreign spend up to €4,000 / month
  • Freeze, unfreeze and set limits in a tap
  • Apple Pay and Google Pay supported at launch
  • Free virtual cards for every subscription
  • Weighted metal card, delivered anywhere in the EU
Banco PLATA EU
Classic
4242 •••• •••• 8891
Cardholder
A. NOVAK
Expires
09/29
VISA
Banco PLATA EU
Metal · Signature
4242 •••• •••• 1024
Cardholder
A. NOVAK
Expires
09/29
VISA
Security

Built to protect every euro.

Banco PLATA EU is regulated under European banking law. From the first sign-up tap to every card payment, your money is safeguarded by the same standards trusted by the largest institutions.

KYC verification

Compliant identity checks with biometric liveness detection, completed in under two minutes.

Secure infrastructure

Isolated EU data centres, hardware-backed keys, and 24/7 real-time fraud monitoring.

Encryption

AES-256 at rest, TLS 1.3 in transit, and end-to-end encrypted vaults for sensitive data.

Manual compliance review

A dedicated European compliance team reviews high-risk activity by hand — no black boxes.

Built to protect every euro.

By the numbers

Trusted across Europe.

0B€+
Transactions processed
0K+
Verified users
0.00%
Platform uptime
0/7
Customer support
FAQ

Questions, answered.

A better bank is waiting. Open yours in 3 minutes.

Free to join. No paperwork. Get your EUR account, USD account and virtual card instantly.