# Stable: Business account (EEA, Unlimit EU Ltd)

> The business account of Stable.com, the account brand of the Unlimit payments group: a multi-currency account with an IBAN in the company's name, free to open and keep, with SEPA and SWIFT payments, business debit cards and a stablecoin-to-bank-transfer service from a sister company. Accounts in the EEA are issued by Unlimit EU Ltd, a Cypriot e-money institution; Unlimit began moving its accounts business to Stable.com in September 2026.

Finzil profile: https://finzil.com/providers/stable · Provider website: https://stable.com · Facts checked: 2026-10-23

## Key facts

- **Monthly fee:** €0
- **Setup fee:** Free
- **Currencies:** 16+ (With local account details)
- **Onboarding:** Within 48 hours (stated by Stable)
- **Provider type:** E-money institution
- **IBAN:** IBAN in the company's name
- **Payment rails:** SEPA, SEPA Instant, SWIFT, ACH
- **Cards:** Business debit cards, virtual and physical
- **Safeguarding:** E-money, not covered by a deposit guarantee
- **Remote opening:** Yes
- **Non-residents:** Accepted
- **Headquarters:** Cyprus

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Accepted. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
- **Countries of incorporation accepted:** Not published
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** Not published
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Companies, Freelancers, Companies owned by trusts or foundations (€300 to open)

## Industries

- **Industries served:** Startups and SMEs, E-commerce, Freelancers
- **Prohibited industries (provider's own list):** Not published

## Licences

- Cyprus: Central Bank of Cyprus, Electronic money institution, Unlimit EU Ltd (formerly Unlimint EU Ltd, CardPay Limited), register no. 115.1.3.7/2018 (https://www.centralbank.cy/en/licensing-supervision/payment-institutions-and-electronic-money-institutions/registers)
- United Kingdom: FCA, Authorised electronic money institution, Unlimit UK Ltd, register no. 978706 (https://register.fca.org.uk/s/firm?id=0014G00002wQeK0QAK)
- Cyprus: Cyprus Securities and Exchange Commission, Crypto-asset service provider (MiCA), Unlimit Crypto Limited (https://www.cysec.gov.cy/en-GB/entities/Crypto-Assets-Entities-(MiCAR)/MiCAR-CASPs/Licensees-(Article-63)/)
- Brazil: Banco Central do Brasil, Payment institution, Unlimit Brasil Instituição de Pagamento Ltda. (https://www.bcb.gov.br/estabilidadefinanceira/exibenormativo?tipo=Comunicado&numero=45613)
- India: Reserve Bank of India, Payment aggregator, online (PA-O), Unlimint IN Private Limited (https://rbi.org.in/scripts/PublicationsView.aspx?Id=12043)
- Kenya: Central Bank of Kenya, Authorised payment service provider, Unlimit Kenya Limited (https://www.centralbank.go.ke/wp-content/uploads/2025/02/Directory-of-Authorized-Payment-Service-Providers-February-2025.pdf)
- Hong Kong: Customs and Excise Department, Money service operator licence, Unlimit (holder not named in the announcement) (https://eservices.customs.gov.hk/MSOS/wsrh/001s1)

Safeguarding: 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.

## Fees

Source: https://stable.com/legal/STBL_EU_FeesCharges_Corporate_GENERAL_01.07.2024.pdf (checked 2026-10-23)

### Plans

- **Business account:** Free

### Incoming

- SEPA: Free
- SWIFT / international: Free · EUR, USD and other currencies

### Outgoing

- SEPA: Free · Standard SEPA (SHA); express SEPA €10
- SWIFT / international: €15 · SHA, standard (T+2); OUR €25; urgent or express €29 to €39
- To another Stable account: Free · Payments within Unlimit EU Ltd

### Currency exchange (FX)

- FX markup: Not published · At Unlimit EU Ltd's rate unless agreed otherwise

### Cards

- Virtual card issue: €4.5 · First digital card free
- Physical card issue: €50
- Card FX: 1.5% · Mark-up on card payments in a currency other than the card's
- ATM withdrawal: 2% + €5 · Cash withdrawal; daily limit €2,000

## Opening an 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: 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

## Pros and cons

- Pro: Free to open and keep, with free incoming payments in EUR, USD and other currencies
- Pro: Standard SEPA payments are free; SWIFT payments from €15
- Pro: An IBAN in the company's name, with local account details in 16+ currencies
- Pro: Opened fully online by non-resident companies, with no UK address or resident director needed
- Pro: Part of Unlimit, a payments group with licences in the EU, UK, Brazil, India, Kenya and Hong Kong
- Con: No list of accepted countries, owner residency or refused industries is published
- Con: FX is done at Unlimit's own rate: no margin is published
- Con: Fees may differ by type of business, and the fee list on stable.com is dated July 2024
- Con: E-money, not a bank deposit: no deposit guarantee
- Con: Unlimit's accounts site is being moved to Stable.com, so pages and terms show both names

## Finzil's take (opinion)

Stable is Unlimit's account brand: a free multi-currency account with an IBAN that non-resident companies can open online, with the group's licences behind it. It publishes less than it could (no country, industry or FX detail), and the accounts business is mid-move from the Unlimit name, so read the terms you are given.

## Alternatives

- [Airwallex](https://finzil.com/providers/airwallex): E-money institution · UK
- [Wise Business](https://finzil.com/providers/wise): E-money institution · UK, Belgium
- [WorldFirst](https://finzil.com/providers/worldfirst): E-money institution · UK
- [Payoneer](https://finzil.com/providers/payoneer): E-money institution · UK

## FAQ

**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.

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