Yoursafe

E-money or payment institution · Amsterdam, Netherlands

Yoursafe B.V. is an Amsterdam electronic money institution licensed and supervised by De Nederlandsche Bank under EMI register number F00025. It issues its own Dutch IBANs under BIC YOURNL2A, is a SWIFT member and settles SEPA and SEPA Instant transfers through TARGET2 and TIPS. Personal accounts are sold on privacy, with transaction aliases, vanity and disposable IBANs and a Visa debit card. The business account carries no opening fee and no monthly fee, can be held in euros, US dollars or pounds sterling, and pays out by SEPA, SWIFT wire, ACH and US cheque, in bulk by CSV upload or a mass payments API. Yoursafe Direct adds iDEAL acceptance for merchants selling to Dutch consumers, and the published business price chart settles incoming transfers from the adult-industry processors Verotel, CardBilling and GayCharge free of charge.

Legal name: Yoursafe B.V.
Regulated by: De Nederlandsche Bank (electronic money institution register number F00025)
Licence confirmed: yes, on a regulator's own list
Website: www.yoursafe.com

Scores, 0 to 10

6.5Europe (EU, EEA, Switzerland)

Licensed and supervised by De Nederlandsche Bank under EMI register F00025, with its own NL IBAN range, BIC YOURNL2A and SEPA plus SEPA Instant settlement through TARGET2 and TIPS. · source

6.5Fast digital onboarding

Registration is fully online through the Yoursafe app with biometric face matching and NFC document reading, though the site publishes no typical time to open a business account. · source

6.5Customer satisfaction

Trustpilot rates Yoursafe 3.9 out of 5, in the Great band. · source

6.5High-risk verticals (iGaming, cannabis, adult, forex)

The published business price chart lists free incoming settlement from Verotel, CardBilling and GayCharge, the adult-industry payment processors, which is an open acceptance of that vertical; nothing is published about gambling, cannabis or forex brokers. · source

5.5Lowest fees

No opening fee, no monthly maintenance fee and free Yoursafe-to-Yoursafe transfers, set against 0.75 euros per outgoing SEPA payment, 25 euros per SWIFT wire and a 10 euro monthly inactivity charge. · source

5.0Online businesses: e-commerce and SaaS

Yoursafe Direct provides iDEAL acceptance for the Dutch market, the business price chart settles Verotel, CardBilling and GayCharge processor payouts free, and payouts run in bulk by CSV or mass payments API. Euro, dollar and sterling accounts plus a mass payments API help a software company pay out, but there is no card acquiring for subscriptions, no accounting integration and no financing. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: the terms let Yoursafe refuse any payment order for compliance or security reasons but name no ban on crypto exchanges, and no reports of blocked SEPA payments to exchanges were found, checked September 2026. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: Yoursafe publishes no source-of-funds process for exchange proceeds, and its terms and bank-facing page do not mention crypto at all, checked September 2026. · source

4.5Startups & VC-backed companies

The business account page says it is built for startups and growing enterprises and costs nothing to open or keep, but there is no venture debt, no equity-linked product and no startup programme. · source

4.0Foreign-owned & non-resident companies

Onboarding is fully remote through the app and accepts more than 1700 identity document types, but Yoursafe publishes no list of accepted countries and no rule for foreign-owned companies. · source

3.0Crypto-friendly bank

Yoursafe publishes no policy on crypto businesses: neither its terms and conditions nor its business account or banks pages mention virtual assets or exchanges. · source

3.0Cross-border payments, FX and multi-currency accounts

Accounts in three currencies with SEPA, SWIFT, ACH and US cheque payouts, but a SWIFT wire costs 25 euros and incoming payments in other currencies are converted at rates the price chart says are determined by Yoursafe, with no published margin. Three account currencies, several IBANs per account and bulk payouts by CSV or API, but no cash pooling, no hedging and no credit. · source

3.0Fintech companies that need a partner bank

Yoursafe publishes no safeguarding accounts, BIN sponsorship or agency banking offer for other electronic money institutions; the business account is sold to platform businesses instead. · source

3.0Financial strength & stability

Licensed by De Nederlandsche Bank and audited annually to PCI Level 1, but Yoursafe publishes no balance sheet, no capital ratio and holds no credit rating. · source

2.0Best interest on business balances

Neither the business nor the personal price chart lists any interest, savings or treasury product on balances; e-money is safeguarded rather than invested for the customer. · source

2.0Business cards (Visa, Mastercard)

The Visa debit card is offered on personal YOU accounts at 29.50 euros a year with a 2.00 euro ATM fee; the business account page lists no card, no virtual cards and no spend controls. · source

1.0Trade, manufacturing & import-export

The authorised services on the banks page cover payment execution only; no letters of credit, guarantees, documentary collections or supply-chain finance are offered. · source

1.0Crypto wallet and custody for a business

Yoursafe is a Dutch e-money institution (DNB register F00025) whose account terms and regulatory page for banks describe fiat IBAN accounts in EUR, USD and GBP only, with no crypto holding for any client, checked September 2026. · source

1.0Accept crypto payments

Yoursafe's merchant product, Yoursafe Direct, takes iDEAL and Wero payments only, and no crypto or stablecoin acceptance appears in its terms or bank-facing pages, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, holding or transfer at Yoursafe; its terms cover fiat payment accounts and a Visa debit card only, checked September 2026. · source

1.0Ethereum

No ether product at Yoursafe; its terms cover fiat payment accounts and a Visa debit card only, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or conversion at Yoursafe, whose bank-facing page describes only fiat IBAN accounts, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.