Payments for Personal use
11 yearsof payment experience
Fast opening. Fast payments. Long-term relationships
Bilder is a UK and US regulated fintech built to serve international businesses with payments across the globe.
UK FCA-authorised EMI and US licensed Money Transmitter. In payments since 2015.
Currencies
- EUR
- USD
- GBP
- CNY
- HKD
- CHF
- AUD
- AED
- CAD
- NOK
- USDT*
- USDC*
- Other currencies on demand
- Service provided by Bilder Partner – US licensed crypto exchange.
Your personal account
One-day payments
No overcompliance
Your direct details for payments
Perfect and clear currency exchange
Dedicated manager, working for your success
Cards
Physical and Virtual Card
Securely pay online and in shops, withdraw cash. Apple Pay and Google Pay are supported.
Choose a physical card with fast delivery or get a free virtual one and pay with your smartphone or watch instantly.
Currency exchange
Transparent currency exchange
Competitive, real-time exchange rates. In most cases, conversion fees are under 1% per transaction.
We specialize in EUR, USD, GBP, CNY. Other currencies on demand.
Fast service, real human support
One-day opening
In most cases, we open accounts within 1 business day.
A manager on your side
Fill out the form, and our manager will contact you and help you with all steps and questions.
We are in your corner
Thanks to our extensive team and human-centric approach, we carefully review each case to identify legal avenues for account opening, rather than drawing superficial conclusions based on templates such as source of wealth or industry sector.
* While most banks rely on automated scoring that rejects promising cases based on procedural criteria—such as country of origin, age, or business line—we look beyond the surface.
Our cashback is real money
Most companies offer cashback in internal points, rewards, or miles. We pay your cashback in real money, which you can spend not just on internal offers, but anywhere money is accepted.
The rate depends on the selected plan →Basic0.1%
Plus1%
Experience the useful perks of the Bilder Mastercard
It's a real bargain with Bilder cards
10% off Zalando E-Cards
Zalando is the leading European starting point for Fashion, Beauty, and Sport. Join 50 million customers delighted by a catalogue of over 6,500 brands, from high street classics to designers.
10% off Hertz rentals, up to 15% off EV rentals and Gold status
Enjoy your next trip with Hertz, whether it's a scenic drive or a longer getaway. Find the right car for your journey, benefit from flexible cancellation options, and travel with more peace of mind.
An exclusive 10% discount
Book with easyJet and enjoy exclusive easyJet Plus benefits, including seat selection, Bag Drop, Fast Track security at selected airports, an extra cabin bag, and faster boarding.
Up to 20% off bookings and Preferred Plus membership
Avis is a trusted, award-winning brand with a long history of innovation in car rental and an outstanding loyalty programme with exclusive benefits for Mastercard cardholders.
4% wallet credit on hotel bookings at Booking.com
Booking.com connects millions of travellers with memorable experiences, a range of transport options and incredible places to stay — from homes to hotels and much more.
12% off Standard and Business Class tickets
The fastest way to travel between Heathrow and London Paddington: only 15 minutes from Heathrow Central Terminals 2 and 3, with an extra six minutes from Terminal 5.
Code: Mcard12Terms and conditions ↗
5% off sailings and €50 onboard credit
Since 1896, HX Expeditions has taken adventurous travellers to inspiring destinations around the world, with over 150 unique itineraries and a fleet of eight custom-built small ships.
Code: MCSTANDARD
4 nights for the price of 3 at Beyond Green hotels
Beyond Green is a global portfolio of Planet Earth's most sustainable hotels, driven by a passion to embrace travel as a force for good.
15% off with no minimum spend
Part of the Net-A-Porter group, YOOX is the world's leading online lifestyle store for fashion, serving more than 180 countries.
Stay 4 nights for the price of 3
A more rewarding stay at more than 650 locations around the globe with Preferred Hotels & Resorts, the world's largest independent hotel brand.
Code: MKTMSCTerms and conditions ↗
2 months free plus 15% off for a year
Make Readly your travel companion with unlimited access to over 7,500 top titles from around the globe.
Payments
Send money where you need it
Worldwide
As a SWIFT member, we support reliable international transfers with global reach.
Europe
Direct SEPA access: we send your euro payments straight through SEPA — fewer hops, fewer delays.
UK
Faster Payments and CHAPS are local UK rails, ensuring speed and reliability regardless of the transaction amount.
Inside Bilder
Instant and free money transfers between Bilder accounts in any available currency.
Stablecoins*
Pay and receive payments in stablecoins. Cross-border payments now take minutes, not days. The service fee starts at 0.9% of the transaction amount.
* Service provided by Bilder Partner – US licensed crypto exchange.
We offer more than just account opening; we provide a suite of solutions tailored to your international objectives. We strive to ensure our pricing is always aligned with the value we deliver.
Compare pricing plans
Basic
€0 per month
Good for small spending and transfers in Europe and the UK. Free virtual card with Apple Pay, Google Pay and multi-currency account.
- Cashback
- 0.1%
- Physical card issuing
- €15
- Virtual card issuing
- 1 free
- Transfers in Europe (SEPA)
- 5 free
- Transfers to Bilder users
- Free
- Travel eSIM
- 0.5 GB demo
- Personal manager
- —
- Priority transfer processing
- —
Plus
€20 per month
Top-tier status and service, no compromises. For personal finances, freelancing, and travel.
- Cashback
- 1%
- Physical card issuing
- Free
- Virtual card issuing
- 5 free
- Transfers in Europe (SEPA)
- 30 free
- Transfers to Bilder users
- Free
- Travel eSIM
- 1 GB monthly
- Personal manager
- ✓
- Priority transfer processing
- ✓
Grow your wealth with a user-friendly tool
Mobile app for iOS/Android — one app for business and personal accounts. A smartphone instead of a code calculator. Switch between accounts in one click.
Spending alerts
Get real-time spending notifications and keep track of your expenses in the Bilder app.
Stay in control
Approve card payments in the app instantly. Set spending limits on each card yourself, whenever you need, in the mobile app or personal dashboard.
FAQ
Questions & Answers
How do I choose Plus after registration?
After your personal account is successfully opened, the Basic plan is assigned to you automatically. To switch to Plus, select it in Settings: In the Bilder mobile app: side menu → Settings → Pricing plans In the web version: click your name in the top-right corner → Settings → Plans
How can I cancel the subscription, and what happens to the free period?
At Bilder, we aim to create products with terms that are simple, fair and always in the customer's favour. That's why, unlike common market practice, you can cancel your plan at any time — and your free period will continue with no extra conditions or charges. For example, even if you activate Plus on 31.08.2026, the last day of the promotion, pay nothing and cancel it immediately, your Plus benefits will continue for another 2 months, until 01.11.2026. Why? We believe that once you try all the benefits of Plus, you won't want to give them up.
How is Plus paid for?
The plan fee is charged automatically on the subscription date from the selected account and covers a 30-day period. If there are not enough funds in that account, the fee will be charged from another account, if available. You can change your preferred account at any time in Settings.
What does the Travel eSIM 0.5 GB demo mean?
After opening an account, you can use mobile internet abroad once, completely free of charge — 1 day and 500 MB of data at any time, in any available country. 150 countries are currently available.
What does Travel eSIM 1 GB monthly mean?
After activating Plus, you get 1 GB of data every month, valid for 7 days, to use whenever you need it.
What exactly do I get with a personal manager?
If you have questions related to your account, services or transfers, a dedicated Bilder specialist will be there to help you resolve issues and build a trusted relationship between you and our platform.
What does priority transfer processing mean?
Some transfers require manual processing and review, mainly due to regulatory requirements. When there are many transfers, they enter a queue and may take slightly longer to complete. With Plus, your transfers are processed quickly and with priority.
Do I need Plus to use Bilder services normally?
Not at all. The Basic plan is designed to cover essential needs, for example if Bilder is not yet your main account. You can make free transfers across Europe, pay by card in stores, use a convenient app and even receive a small cashback.
What will change for customers who opened an account before 01.07.2026 after switching to the Basic plan?
The number of free SEPA transfers will decrease from 30 to 5 per month (applies only to Domestic customers). Cashback will decrease: with Basic, cashback will be 0.1%, regardless of the amount spent. Basic is suitable for everyday spending and transfers if you need a simple and convenient set of essential services. Consider the benefits of the Plus plan — with active use, it quickly pays for itself and makes managing your finances genuinely simple and pleasant.
What happens with my Plus subscription if my account is closed?
If a customer closes their account, their Plus subscription is cancelled and no refund will be given.
What happens if my account is suspended?
If a customer's account is blocked for any reason, the Plus subscription is suspended. Once the account is unblocked, the subscription is renewed under the same terms and for the same duration.
Can I renew my free subscription if my account has been closed?
If a customer's account has been closed, they will not be able to sign up for a free subscription a second time during the trial period.
Bilder is a UK and US regulated fintech built to serve international businesses with payments across the globe.
Available in the United Kingdom and 150+ countries.
11 years of experience