Overview
Keytom, at a glance.
Keytom is a money services business (canada) headquartered in Canada, regulated by FINTRAC. The company behind Keytom is KEYTOM SERVICES LTD. Business accounts cost €0 a month. Opening an account takes 3–5 days. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
Keytom says it is not a bank: fiat accounts, cards and custody come from third-party regulated institutions, which may hold client money in pooled or segregated safeguarding accounts. Crypto is held through Fireblocks and insured up to $100 million (underwritten by Marsh and Munich Re).
Why businesses pick Keytom
- EUR IBAN and USD account in your company's own name
- No monthly fee
- Serves iGaming, CFD brokers and crypto businesses
- Fiat and 11 crypto coins in one account
- Trustpilot score of 4.3 from 37 reviews
Watch out for
- €1,000 to open, paid after approval
- Every payment costs a percentage: 0.5% plus €2.50 for SEPA out, 0.6% for SWIFT out
- FX costs 1%
- Only a Canadian money services business registration; accounts come from unnamed partners
- No sole traders; companies linked to 36 refused countries turned away
Business fit
Will Keytom 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 Keytom's published rules
Likely fit
Keytom lists both United Kingdom companies and iGaming as accepted.
Keytom 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 Keytom publishes about the businesses it takes on.
Who Keytom serves
- iGaming
- Forex
- Crypto
- Import and export
- E-commerce
- Travel
- Professional services
All 12 industries on Keytom's accepted list
- iGaming
- CFD brokers
- Crypto-related businesses
- Import/export
- Retail and wholesale
- E-commerce
- Logistics
- Manufacturing
- Construction
- Travel and hospitality
- Professional services
- Creative industries
Not supported
Industries and countries Keytom does not accept, from its own published lists.
Industries
- Shell structures and non-transparent entities
- Shell banks and shell financial institutions
- Companies without physical presence, factual business address or real economic activity
- Entities with materially insufficient reporting/transparency
- Bearer-share companies
- Shell companies and fifth-party payment structures
- Downstream correspondent banking arrangements
- Unlicensed forex brokers and foreign-exchange intermediaries
- Binary options trading
- Unlicensed investment or investment ancillary services
- Hawala and other informal value-transfer systems
- Money orders and traveller's-cheque issuance
- Debt recovery services
- Cash collection services
- Arms, ammunition and dual-use goods
- Military-grade security equipment and systems
- Explosives, gunpowder and ammunition manufacture
- Military fighting-vehicle manufacture
- Production of precious metals and precious stones
- Nuclear fuel or nuclear-related materials
- Unregulated pharmaceuticals
- Unregulated food supplements
- Legal and illegal substances, including medical marijuana, where prohibited
- Cyberlockers and anonymous file storage services
- IPTV and unauthorised streaming services
- No-value-added or deceptive resale services
- Get-rich-quick schemes
- Ponzi schemes and pyramid schemes
- Unlicensed or unregulated charities
- Political or religious organisations with extremist affiliations
- Pawnshop services
- Detective services
- Unregulated auctions
- Used car dealerships
- Tobacco and alcohol distribution
Countries
- Afghanistan · owners
- Albania · owners
- American Samoa · owners
- Bahamas · owners
- Barbados · owners
- Belarus · owners
- Botswana · owners
- Cambodia · owners
- Central African Republic · owners
- Cuba · owners
- Congo - Kinshasa · owners
- Ethiopia · owners
- Ghana · owners
- Haiti · owners
- Iran · owners
- Jamaica · owners
- Lebanon · owners
- Libya · owners
- Mali · owners
- Mauritania · owners
- Mongolia · owners
- Myanmar (Burma) · owners
- Nicaragua · owners
- North Korea · owners
- Palestinian Territories · owners
- Russia · owners
- Samoa · owners
- Senegal · owners
- Serbia · owners
- Somalia · owners
- South Sudan · owners
- Syria · owners
- Trinidad & Tobago · owners
- Uganda · owners
- Vanuatu · owners
- Zimbabwe · owners
- Afghanistan · company or owners
- Albania · company or owners
- American Samoa · company or owners
- Bahamas · company or owners
- Barbados · company or owners
- Belarus · company or owners
- Botswana · company or owners
- Cambodia · company or owners
- Central African Republic · company or owners
- Cuba · company or owners
- Congo - Kinshasa · company or owners
- Ethiopia · company or owners
- Ghana · company or owners
- Haiti · company or owners
- Iran · company or owners
- Jamaica · company or owners
- Lebanon · company or owners
- Libya · company or owners
- Mali · company or owners
- Mauritania · company or owners
- Mongolia · company or owners
- Myanmar (Burma) · company or owners
- Nicaragua · company or owners
- North Korea · company or owners
- Palestinian Territories · company or owners
- Russia · company or owners
- Samoa · company or owners
- Senegal · company or owners
- Serbia · company or owners
- Somalia · company or owners
- South Sudan · company or owners
- Syria · company or owners
- Trinidad & Tobago · company or owners
- Uganda · company or owners
- Vanuatu · company or owners
- Zimbabwe · company or owners
Coverage
Where can you use Keytom?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR and USD
Fiat · 2 currencies
- EUR
- USD
Crypto · 11 currencies
- ADA
- AVAX
- BCH
- BNB
- BTC
- ETH
- LTC
- SOL
- TON
- XRP
- USDC
Payment reach
Not published
Who can apply
Company incorporation countries214 countries · show list
- Åland Islands
- Algeria
- Andorra
- Angola
- Anguilla
- Antarctica
- Antigua & Barbuda
- Argentina
- Armenia
- Aruba
- Australia
- Austria
- Azerbaijan
- Bahrain
- Bangladesh
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bosnia & Herzegovina
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Bulgaria
- Burkina Faso
- Burundi
- Cameroon
- Canada
- Cape Verde
- Caribbean Netherlands
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos (Keeling) Islands
- Colombia
- Comoros
- Congo - Brazzaville
- Cook Islands
- Costa Rica
- Côte d’Ivoire
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Estonia
- Eswatini
- Falkland Islands
- Faroe Islands
- Fiji
- Finland
- France
- French Guiana
- French Polynesia
- French Southern Territories
- Gabon
- Gambia
- Georgia
- Germany
- Gibraltar
- Greece
- Greenland
- Grenada
- Guadeloupe
- Guam
- Guatemala
- Guernsey
- Guinea
- Guinea-Bissau
- Guyana
- Heard & McDonald Islands
- Honduras
- Hong Kong SAR China
- Hungary
- Iceland
- India
- Indonesia
- Iraq
- Ireland
- Isle of Man
- Israel
- Italy
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Latvia
- Lesotho
- Liberia
- Liechtenstein
- Lithuania
- Luxembourg
- Macao SAR China
- Madagascar
- Malawi
- Malaysia
- Maldives
- Malta
- Marshall Islands
- Martinique
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Moldova
- Monaco
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Niger
- Nigeria
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Réunion
- Romania
- Rwanda
- San Marino
- São Tomé & Príncipe
- Saudi Arabia
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia & South Sandwich Islands
- South Korea
- Spain
- Sri Lanka
- St. Barthélemy
- St. Helena
- St. Kitts & Nevis
- St. Lucia
- St. Martin
- St. Pierre & Miquelon
- St. Vincent & Grenadines
- Sudan
- Suriname
- Svalbard & Jan Mayen
- Sweden
- Switzerland
- Taiwan
- Tajikistan
- Tanzania
- Thailand
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Tunisia
- Türkiye
- Turkmenistan
- Turks & Caicos Islands
- Tuvalu
- U.S. Outlying Islands
- U.S. Virgin Islands
- Ukraine
- United Arab Emirates
- United Kingdom
- United States
- Uruguay
- Uzbekistan
- Vatican City
- Venezuela
- Vietnam
- Wallis & Futuna
- Western Sahara
- Yemen
- Zambia
Owner nationality and residency214 countries · show list
- Åland Islands
- Algeria
- Andorra
- Angola
- Anguilla
- Antarctica
- Antigua & Barbuda
- Argentina
- Armenia
- Aruba
- Australia
- Austria
- Azerbaijan
- Bahrain
- Bangladesh
- Belgium
- Belize
- Benin
- Bermuda
- Bhutan
- Bolivia
- Bosnia & Herzegovina
- Bouvet Island
- Brazil
- British Indian Ocean Territory
- British Virgin Islands
- Brunei
- Bulgaria
- Burkina Faso
- Burundi
- Cameroon
- Canada
- Cape Verde
- Caribbean Netherlands
- Cayman Islands
- Chad
- Chile
- China
- Christmas Island
- Cocos (Keeling) Islands
- Colombia
- Comoros
- Congo - Brazzaville
- Cook Islands
- Costa Rica
- Côte d’Ivoire
- Croatia
- Curaçao
- Cyprus
- Czechia
- Denmark
- Djibouti
- Dominica
- Dominican Republic
- Ecuador
- Egypt
- El Salvador
- Equatorial Guinea
- Eritrea
- Estonia
- Eswatini
- Falkland Islands
- Faroe Islands
- Fiji
- Finland
- France
- French Guiana
- French Polynesia
- French Southern Territories
- Gabon
- Gambia
- Georgia
- Germany
- Gibraltar
- Greece
- Greenland
- Grenada
- Guadeloupe
- Guam
- Guatemala
- Guernsey
- Guinea
- Guinea-Bissau
- Guyana
- Heard & McDonald Islands
- Honduras
- Hong Kong SAR China
- Hungary
- Iceland
- India
- Indonesia
- Iraq
- Ireland
- Isle of Man
- Israel
- Italy
- Japan
- Jersey
- Jordan
- Kazakhstan
- Kenya
- Kiribati
- Kosovo
- Kuwait
- Kyrgyzstan
- Laos
- Latvia
- Lesotho
- Liberia
- Liechtenstein
- Lithuania
- Luxembourg
- Macao SAR China
- Madagascar
- Malawi
- Malaysia
- Maldives
- Malta
- Marshall Islands
- Martinique
- Mauritius
- Mayotte
- Mexico
- Micronesia
- Moldova
- Monaco
- Montenegro
- Montserrat
- Morocco
- Mozambique
- Namibia
- Nauru
- Nepal
- Netherlands
- New Caledonia
- New Zealand
- Niger
- Nigeria
- Niue
- Norfolk Island
- North Macedonia
- Northern Mariana Islands
- Norway
- Oman
- Pakistan
- Palau
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Pitcairn Islands
- Poland
- Portugal
- Puerto Rico
- Qatar
- Réunion
- Romania
- Rwanda
- San Marino
- São Tomé & Príncipe
- Saudi Arabia
- Seychelles
- Sierra Leone
- Singapore
- Sint Maarten
- Slovakia
- Slovenia
- Solomon Islands
- South Africa
- South Georgia & South Sandwich Islands
- South Korea
- Spain
- Sri Lanka
- St. Barthélemy
- St. Helena
- St. Kitts & Nevis
- St. Lucia
- St. Martin
- St. Pierre & Miquelon
- St. Vincent & Grenadines
- Sudan
- Suriname
- Svalbard & Jan Mayen
- Sweden
- Switzerland
- Taiwan
- Tajikistan
- Tanzania
- Thailand
- Timor-Leste
- Togo
- Tokelau
- Tonga
- Tunisia
- Türkiye
- Turkmenistan
- Turks & Caicos Islands
- Tuvalu
- U.S. Outlying Islands
- U.S. Virgin Islands
- Ukraine
- United Arab Emirates
- United Kingdom
- United States
- Uruguay
- Uzbekistan
- Vatican City
- Venezuela
- Vietnam
- Wallis & Futuna
- Western Sahara
- Yemen
- Zambia
Company types
Registered legal entities only (no sole traders or individual entrepreneurs)
Pricing
What does Keytom 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
€1,000
Monthly fee
Free
Business account
€0 per month
€1,000 setup · €1,000 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | 0.3% + €2.5 | Percentage plus a fixed fee |
| SWIFT / international | 0.4% + $40 | Percentage plus a fixed fee |
| ACH / local USD | 0.4% + $1 | Percentage plus a fixed fee |
| Local transfer from another bank | 0.4% + $20 | Percentage plus a fixed fee · Fedwire |
| Outgoing | ||
| SEPA | 0.5% + €2.5 | Percentage plus a fixed fee |
| SWIFT / international | 0.6% | Percentage of the amount |
| ACH / local USD | 0.6% + $1 | Percentage plus a fixed fee |
| Local transfer to another bank | 0.6% | Percentage of the amount · Fedwire |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | 1% | Percentage of the amount · Fiat to fiat and fiat to crypto; crypto pairs 0.25% to 1% |
Crypto
| Cost | Listed amount | How it is charged |
|---|---|---|
| On-ramp (fiat to crypto) | Not published | |
| Off-ramp (crypto to fiat) | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Register
Open the business route on keytom.com and register the company.
- 2
KYB
Upload the certificate of incorporation, articles, shareholder register, tax ID and proof of address.
- 3
KYC
Verify the shareholders, directors and owners above 20%, and describe the business and its fund flows.
- 4
Account live
After approval and the €1,000 setup fee, receive the EUR IBAN and USD account details.
Documents you need
Not published
FAQ
Your questions, answered.
Is Keytom a bank?
No. KEYTOM SERVICES LTD is registered with FINTRAC in Canada as a money services business (M21788474). Fiat accounts, cards and custody are provided by third-party regulated institutions.
How much does Keytom cost?
A one-time €1,000 setup fee after approval and no monthly fee. SEPA costs 0.3% plus €2.50 in and 0.5% plus €2.50 out; ACH 0.4% plus $1 in and 0.6% plus $1 out; SWIFT 0.4% plus $40 in and 0.6% out. Keytom says these are its standard prices for low-risk businesses.
Does Keytom accept iGaming and crypto businesses?
Keytom lists iGaming, CFD brokers and crypto-related businesses among the industries it onboards, subject to its checks. Gambling payments with its cards are not supported.
Which countries does Keytom refuse?
Companies registered or operating in, or with owners living in or holding citizenship of, 40 jurisdictions including Albania, the Bahamas, Barbados, Belarus, Botswana, Ghana, Jamaica, Mongolia, Russia, Serbia and Ukraine's Crimea, Donetsk and Luhansk.
Alternatives
How Keytom compares.
If Keytom is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 KeytomThis pageMoney services business (Canada) |  | CryptoHigh-risk industries |
 PayDoE-money institution |   | Dedicated IBANHigh-risk industries |
 PaysetE-money institution | | 35 currenciesHigh-risk industries |
| BVNKE-money institution | | StablecoinsEnterprise |
 3S MoneyE-money institution |   | Local IBANsNon-residents accepted |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.