Overview
Stable, at a glance.
Stable is an e-money institution headquartered in Cyprus, regulated by Central Bank of Cyprus, FCA, Cyprus Securities and Exchange Commission and 4 other regulators. The company behind Stable is Unlimit EU Ltd, formerly Unlimint EU Ltd and CardPay Limited. Business accounts cost €0 a month. Opening an account takes within 48 hours. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
Accounts in the EEA are e-money accounts issued by Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus. Funds on the account are not a deposit and are not covered by the Deposit Guarantee Scheme.
Why businesses pick Stable
- Free to open and keep, with free incoming payments in EUR, USD and other currencies
- Standard SEPA payments are free; SWIFT payments from €15
- An IBAN in the company's name, with local account details in 16+ currencies
- Opened fully online by non-resident companies, with no UK address or resident director needed
- Part of Unlimit, a payments group with licences in the EU, UK, Brazil, India, Kenya and Hong Kong
Watch out for
- No list of accepted countries, owner residency or refused industries is published
- FX is done at Unlimit's own rate: no margin is published
- Fees may differ by type of business, and the fee list on stable.com is dated July 2024
- E-money, not a bank deposit: no deposit guarantee
- Unlimit's accounts site is being moved to Stable.com, so pages and terms show both names
Business fit
Will Stable 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 Stable's published rules
Needs review
Stable works with Startups and SMEs, but does not publish the countries it accepts companies from.
Stable 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 Stable publishes about the businesses it takes on.
Who Stable serves
- Startups and SMEs
- E-commerce
- Freelancers
Not supported
Industries and countries Stable does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Stable?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
16+ currencies
Stable says 16+ currencies with local account details and payments in 30+ currencies; it publishes no list.
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Companies, Freelancers, Companies owned by trusts or foundations (€300 to open)
Pricing
What does Stable 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
Free
Business account
€0 per month
€0 setup · €0 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | Free | No charge |
| SWIFT / international | Free | No charge · EUR, USD and other currencies |
| Outgoing | ||
| SEPA | Free | No charge · Standard SEPA (SHA); express SEPA €10 |
| SWIFT / international | €15 | Fixed fee · SHA, standard (T+2); OUR €25; urgent or express €29 to €39 |
| To another Stable account | Free | No charge · Payments within Unlimit EU Ltd |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published | At Unlimit EU Ltd's rate unless agreed otherwise |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | €4.5 | Fixed fee · First digital card free |
| Physical card issue | €50 | Fixed fee |
| Card FX | 1.5% | Percentage of the amount · Mark-up on card payments in a currency other than the card's |
| ATM withdrawal | 2% + €5 | Percentage plus a fixed fee · Cash withdrawal; daily limit €2,000 |
Onboarding
From application to live account.
Stable says the account is ready within 48 hours.
- 1
Open an account
Start the online application with the Open an account button (kyb.unlimit.com).
- 2
Company and people
Enter the company's details and those of its directors and owners.
- 3
Documents and checks
Upload the documents requested and complete identity verification.
- 4
Account live
After compliance review the account is opened; online banking and cards are set up. Stable says within 48 hours.
Documents you need
- Certificate of incorporation
- Articles of association
- Company registration number
- Registered office address
- Details of shareholders and directors
- Valid passport
- Proof of address (even if overseas)
- Source of funds documentation
FAQ
Your questions, answered.
Is Stable.com part of Unlimit?
Yes. Stable.com is the brand of the Unlimit group for accounts, cards and treasury. On 22 September 2026 Unlimit said it had begun moving Unlimit Accounts to Stable.com. Accounts in the EEA are provided by Unlimit EU Ltd, and the stablecoin on-ramp and off-ramp by Unlimit Crypto Limited.
Is Stable.com a bank?
No. In the EEA the account is an e-money account from Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus. Funds are not a deposit and are not covered by the Deposit Guarantee Scheme.
How much does a Stable.com account cost?
Opening and monthly maintenance are free, and incoming transfers are free. Standard SEPA transfers are free, SWIFT payments cost €15 (€25 with OUR charges) and a digital card €4.50 after the first. A company owned 25% or more by a trust or foundation pays €300 to open. The fee list says fees may differ by business type.
Can non-resident companies open an account?
Unlimit's own guide says its accounts can be opened online without a UK address or a resident director. The entity that serves you depends on where you are located: Unlimit EU Ltd in the EEA, Unlimit UK Ltd in the UK.
Which licences does the Unlimit group hold?
Electronic money institution licences in Cyprus (Central Bank of Cyprus) and the UK (FCA), a MiCA crypto-asset service provider licence in Cyprus, payment licences in Brazil, India and Kenya and a Hong Kong money service operator licence. Unlimit says it is licensed in 93 regions; the table lists the ones that could be confirmed.
Alternatives
How Stable compares.
If Stable is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 StableThis pageE-money institution |      +1 | Multi-currencyNon-residents accepted |
 AirwallexE-money institution |   | Global accountsOnline businesses |
 Wise BusinessE-money institution |  | Low FX costsStandard businesses |
 WorldFirstE-money institution | | Marketplace sellersTrade payments |
 PayoneerE-money institution |   | Marketplace payoutsMass payments |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.