Overview
Juni, at a glance.
Juni is an e-money institution headquartered in Sweden, regulated by Finansinspektionen. Business accounts cost from €0 a month. Opening an account takes 1–2 days. Non-residents are accepted: owners who live outside the country where the company is registered complete identity verification.
Customer funds are safeguarded in a ring-fenced account at a partner bank, separate from Juni's own money. Juni is not a bank and deposit guarantee schemes do not apply.
Why businesses pick Juni
- A free plan, with free SEPA transfers
- Local account details in five currencies: EUR, SEK, GBP, USD and NOK
- Built for e-commerce: virtual cards for ad spend, cashback and accounting integrations
- Most applications are approved within 24 hours
- Credit cards and invoice financing for eligible companies
- Trustpilot score of 4.0 from 431 reviews
Watch out for
- Only for companies registered in 23 EEA countries; the UK, Czechia, Greece, Luxembourg and six others are not supported
- Sole traders and private individuals are not accepted
- Cards are virtual only
- Currency exchange costs 1.2% on the Free plan, and card payments in other currencies 1.8%
- Payments outside SEPA cost €15 on the Free plan
- Crypto, gambling, CBD and unlicensed financial services are not accepted
Business fit
Will Juni 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 Juni's published rules
Likely no
Juni does not list United Kingdom among the countries where it accepts companies.
Juni 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 Juni publishes about the businesses it takes on.
Who Juni serves
- E-commerce
- Affiliate marketing
- SaaS
- Startups and SMEs
Not supported
Industries and countries Juni does not accept, from its own published lists.
Industries
- Countries, individuals, groups, legal bodies or similar subject to international sanctions or embargoes, including HM Treasury, EU, UN or OFAC SDN lists
- Unregulated financial, legal or accounting services where licensing is required or unlicensed FX brokers
- Cryptocurrency or other virtual currencies and mining; crypto asset firms exchanging virtual currencies and fiat
- Shell companies or shell banks
- Unregulated or offshore holding/investment companies managing own or third-party funds, or holding companies of private individuals
- Debt restructuring, credit repair, debt settlement, providing credit or debt collections unless approved by Juni
- Non-standard or non-transparent activities through special-purpose or assimilated entities or opaque jurisdictions
- Bearer share corporations; cash-funded remittances; binary options; fourth-party payment and multi-layered MSB arrangements
- Bidding fee, penny or all-pay auctions
- Activities aimed at circumventing security controls
- Hawala, gambling, pyramid/Ponzi schemes, multi-level marketing or get-rich-quick schemes
- Piracy or illegal streaming
- Unregulated pharmaceuticals/food supplements or businesses involved with CBD
- Adult services connected to trafficking, escort services, prostitution-related sexual services, pornography or striptease clubs (listed exceptions apply)
- Counterfeit goods, IP/privacy violations
- Goods subject to export prohibitions
- Transactions involving living animals or sale of human organs (listed exceptions apply)
- Weapons of war, automatic weapons, ammunition or defence equipment
- Unlicensed charities, non-profit/social-service organisations or unlicensed crowdfunding/crowdlending
- Political parties and political/religious/non-profit organisations engaged in hate speech
Countries
- United Kingdom · company
- Gibraltar · company
- Jersey · company
- Guernsey · company
- Czechia · company
- Greece · company
- Iceland · company
- Liechtenstein · company
- Luxembourg · company
- Slovakia · company
- Slovenia · company
Coverage
Where can you use Juni?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
5 currencies
- EUR
- USD
- GBP
- SEK
- NOK
Payment reach
Not published
Who can apply
Company incorporation countries23 countries · show list
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Denmark
- Estonia
- Finland
- France
- Germany
- Hungary
- Ireland
- Italy
- Latvia
- Lithuania
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Spain
- Sweden
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Private limited companies (Ltd, AB, BV, GmbH, EOOD), Public limited companies, Limited liability partnerships
Pricing
What does Juni 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
Free
Monthly fee
€0–79
depends on plan
Free
Lowest cost€0 per month
€0 setup · €0 in year one
Plus
€79 per month
€0 setup · €948 in year one
Custom
Custom
Transaction fees
| Cost | Free | Plus | Custom | How it is charged |
|---|---|---|---|---|
| Incoming | ||||
| SEPA | Free | Free | Not published | No charge |
| Outgoing | ||||
| SEPA | Free | Free | Not published | No charge |
| SWIFT / international | €15 | €10 | Not published | Fixed fee · Payments outside SEPA |
Other fees
Currency exchange (FX)
| Cost | Free | Plus | Custom | How it is charged |
|---|---|---|---|---|
| FX markup | 1.2% | 0.5% | Not published | Percentage of the amount |
Cards
| Cost | Free | Plus | Custom | How it is charged |
|---|---|---|---|---|
| Virtual card issue | Free | Free | Free | No charge · 2 cards on Free and 10 on Plus; extra cards cost €7 or €3 a month |
| Physical card issue | Not offered | Not offered | Not offered | Not available |
| Card FX | 1.8% | 1.5% | Not published | Percentage of the amount |
Onboarding
From application to live account.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is Juni a bank?
No. Juni Technology AB is an e-money institution licensed by the Swedish Financial Supervisory Authority, number 64025. Customer funds are safeguarded at a partner bank; deposit guarantee schemes do not apply.
How much does Juni cost?
The Free plan costs nothing and Plus costs €79 a month, or 20% less billed yearly. SEPA transfers are free. Currency exchange costs 1.2% on Free and 0.5% on Plus, and a payment outside SEPA costs €15 or €10.
Which companies can open a Juni account?
Limited companies registered in 23 EEA countries, including Sweden, Germany, France, the Netherlands, Spain, Italy and Ireland. Companies registered in the UK, Czechia, Greece, Iceland, Liechtenstein, Luxembourg, Slovakia and Slovenia are not supported, and neither are sole traders.
How long does it take to open an account?
Juni says most applications are approved within 24 hours. A review can take up to two working days, or up to ten business days if more information is needed.
Alternatives
How Juni compares.
If Juni is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 JuniThis pageE-money institution |  | E-commerceFree plan |
 Revolut BusinessBank |   | Cards and spend controlsStartups and SMEs |
 Wise BusinessE-money institution |  | Low FX costsStandard businesses |
 AirwallexE-money institution |   | Global accountsOnline businesses |
 QontoPayment institution |  | FreelancersInvoicing tools |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.