Overview
Genome, at a glance.
Genome is an e-money institution headquartered in Lithuania, regulated by Bank of Lithuania. Business accounts cost from €10 a month. Opening an account takes up to 3 days.
Balances are electronic money, safeguarded under Lithuanian e-money rules. They are not bank deposits.
Why businesses pick Genome
- Low-risk businesses pay €10 a month and €1 per SEPA payment
- Publishes its prices for high-risk businesses too
- Dedicated IBAN with SEPA, SWIFT and UK payment rails
- Publishes which countries it accepts companies and owners from
Watch out for
- High-risk businesses pay €500 to open and €100 a month
- Currency exchange costs 2%
- Real estate, charities, luxury goods and precious metals are not accepted
- No deposit insurance; funds are safeguarded instead
Business fit
Will Genome accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Genome's published rules
Likely fit
Genome lists both United Kingdom companies and Professional services as accepted.
Genome does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Genome publishes about the businesses it takes on.
Who Genome serves
- Professional services
- E-commerce
- IT and software
- Travel
- Education
- Healthcare
Not supported
Industries and countries Genome does not accept, from its own published lists.
Industries
- Activities involving illegal goods or services, including but not limited to counterfeit goods, trademark infringement, human trafficking, child labor, and prostitution
- Sale or distribution of drug-related products and substances
- Trade, production, or mediation of weapons, explosives, or related materials
- Activities related to the production or recycling of explosives and nuclear fuel
- Sexually oriented or pornographic services, including escort services, adult entertainment, adult dating platforms, adult content subscriptions, and related products
- Unlicensed or unregulated trading in stocks, indices, raw materials, currencies (e.g., forex), options, exchange-traded funds (ETFs), or similar financial instruments
- Unlicensed or unregulated companies engaged in cryptocurrency or virtual asset services
- Unlicensed or unregulated organization or operation of lotteries, gambling, or betting services
- Unlicensed or unregulated money service businesses (MSBs) or payment service providers (PSPs)
- Financial institutions without a physical presence in any country (shell banks)
- Multi-level marketing (MLM) schemes
- Ponzi or pyramid schemes
- Pawnbroking activities
- Political organizations or groups
- Charities or relief organizations
- Trade of antiques, works of art, numismatic items, or ferrous, non-ferrous, and precious metals and stones
- Luxury goods trade
- Real estate-related activities
- Activities involving carbon credits
- Online or wholesale sale of alcohol, tobacco, and related products (including e-cigarettes and vapes)
- Petroleum industry activities, including extraction, production, and trade of oil, gas, and petrochemical products
- Supplements or nutraceuticals
- Pharmaceuticals
- Manufacturing or sale of counterfeit goods
- Any activities prohibited under the laws and legal acts of the Republic of Lithuania and the European Union
Countries
- Not published
Coverage
Where can you use Genome?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
12 currencies
- EUR
- USD
- GBP
- CHF
- CAD
- AUD
- JPY
- CZK
- DKK
- HUF
- PLN
- SEK
Payment reach
Not published
Who can apply
Company incorporation countries61 countries · show list
- Australia
- Christmas Island
- Cocos (Keeling) Islands
- Norfolk Island
- Austria
- Belgium
- Bulgaria
- Canada
- Costa Rica
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- Åland Islands
- France
- French Guiana
- Guadeloupe
- Martinique
- Mayotte
- Réunion
- St. Barthélemy
- St. Martin
- Germany
- Greece
- Hong Kong SAR China
- Hungary
- Iceland
- Ireland
- Isle of Man
- Israel
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Netherlands
- New Zealand
- Tokelau
- North Macedonia
- Norway
- Poland
- Portugal
- Romania
- Seychelles
- Singapore
- Slovakia
- Slovenia
- South Korea
- Spain
- Sweden
- Switzerland
- Taiwan
- Thailand
- Ukraine
- United Arab Emirates
- United Kingdom
- Uruguay
Owner nationality and residency71 countries · show list
- Australia
- Christmas Island
- Cocos (Keeling) Islands
- Norfolk Island
- Andorra
- Aruba
- Austria
- Bahrain
- Belgium
- Bulgaria
- Canada
- China
- Costa Rica
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Dominican Republic
- Estonia
- Finland
- Åland Islands
- France
- French Guiana
- Guadeloupe
- Martinique
- Mayotte
- Réunion
- St. Barthélemy
- St. Martin
- Germany
- Greece
- Grenada
- Honduras
- Hong Kong SAR China
- Hungary
- Iceland
- Ireland
- Isle of Man
- Israel
- Italy
- Japan
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malawi
- Malaysia
- Malta
- Mexico
- Netherlands
- New Zealand
- Tokelau
- Norway
- Peru
- Poland
- Portugal
- Romania
- San Marino
- Serbia
- Singapore
- Slovakia
- Slovenia
- South Korea
- Spain
- Sweden
- Switzerland
- Taiwan
- Thailand
- United Kingdom
- Uruguay
Company types
Companies, Sole proprietors
Pricing
What does Genome cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
From €100
depends on plan
Monthly fee
€10–100
depends on plan
Low-risk business
Lowest cost€10 per month
€100 setup · €220 in year one
High-risk business
€100 per month
€500 setup · €1,700 in year one
Transaction fees
| Cost | Low-risk business | High-risk business | How it is charged |
|---|---|---|---|
| Incoming | |||
| SEPA | €1 | 0.1% + €5 | Fixed fee |
| SEPA Instant | €1 | 0.1% + €5 | Fixed fee |
| Faster Payments (GBP) | €1 | €10 | Fixed fee |
| SWIFT / international | €10 | €30 | Fixed fee |
| Outgoing | |||
| SEPA | €1 | 0.3% + €10 | Fixed fee |
| SEPA Instant | €1 | 0.3% + €10 | Fixed fee |
| Faster Payments (GBP) | €1 | 0.2% + €10 | Fixed fee |
| CHAPS (GBP) | €20 | 0.2% + €30 | Fixed fee |
| SWIFT / international | €20 | 0.2% + €30 | Fixed fee |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | 2% | Percentage of the amount |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | €1 | Fixed fee · Per card for the first 100, then €5 |
| Physical card issue | €18 | Fixed fee |
| Monthly card fee | Free | No charge |
Onboarding
From application to live account.
Genome states verification takes up to three business days once your details are submitted.
- 1
Apply online
Company, director and owner information.
- 2
Documents
Corporate and identity documents.
- 3
Verification
Compliance checks, with a selfie check where requested.
- 4
Account live
Account details are issued; add currencies, payment rails and cards.
Documents you need
- Company registration details
- Authorised representative and director identity
- UBO/ownership information
Sometimes requested
- Business activity and source-of-funds evidence where requested
- Proof of address and additional KYC documents where requested
FAQ
Your questions, answered.
Is Genome a bank?
No. UAB Maneuver LT, trading as Genome, is an e-money institution licensed by the Bank of Lithuania, authorisation code LB000453. Balances are electronic money, not bank deposits.
How much does a Genome business account cost?
A low-risk business pays €100 to open, €10 a month and €1 per SEPA payment. A high-risk business pays €500 to open, €100 a month, and SEPA payments from €5 plus 0.1%. Currency exchange costs 2%.
Which countries does Genome accept companies from?
Genome publishes a list of 61 countries for companies and 71 for the people behind them.
Which businesses does Genome not accept?
Its prohibited list includes weapons, adult services, unlicensed forex, crypto and gambling, multi-level marketing, pawnbroking, political organisations, charities, precious metals, luxury goods and real estate.
How long does it take to open a Genome account?
Genome states verification takes up to three business days once your details are submitted.
Does Genome offer cards?
Yes. Virtual and physical Visa debit cards. A virtual card costs €1 to activate and a physical card €18; there is no monthly card fee.
Alternatives
How Genome compares.
If Genome is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 GenomeThis pageE-money institution |  | Dedicated IBANPublished prices |
 VialetE-money institution | | Dedicated IBANDigital businesses |
 SatchelE-money institution | | European IBANMastercard cards |
 NexpayE-money institution | | Dedicated IBANCrypto and gaming |
 PayDoE-money institution |    | Dedicated IBANHigh-risk industries |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.