Banks and Fintech for Your OÜ — Reliable Accounts in the EU
We help open an account with Wise Business, Revolut Business and LHV Bank — tailored to your actual situation:
your tax residency in Spain, client types, and risk level.
We prepare KYC/AML package, we explain your business model in “bank language” and guide you through the verification process
until you have a fully functional account, with no unnecessary blocks or repeated requests.
Who can benefit from this service
This page is for those who already have (or are planning to have) OÜ and who need a reliable EU bank account.
If you only need a personal bank card in Spain or a basic autónomo account, this service is not for you.
Freelancers and micro-teams in IT and creative industries
Development, design, marketing, and B2B consulting with clients in the EU, the UK, or the USA.
Euro accounts, online payments, and payouts from digital platforms.
Agencies, SaaS, and Team-Based Projects
Companies that need cards for the team, recurring payments to collaborators, tool subscriptions
and a reliable control and security system.
Cases under increased scrutiny by banks
Activities related to virtual assets or sensitive sectors, but with a clear structure and reasonable volume
and willingness to comply with KYC/AML package without shortcuts.
How we choose a bank or fintech for your OÜ
There is no ‘best bank’ universally. We look at where you live, how you invoice, which countries you work with, and the volume you handle.
Based on this, we select the option that provides maximum stability and reduces the risk of account freezes.
1. Activity analysis
Countries of clients and nature of operations virtual assets or just fiat
2. Bank/Fintech risk matrix
We choose the option where your case appears the most logical and has the best chance of approval.
3. Ready KYC package
The goal is to get approval on the first try or with the minimum number of follow-up questions.
Banks and fintechs we work with
We are not resellers of any banks. We recommend Wise Business, Revolut Business and LHV Bank
— only in cases where they truly fit your OÜ, your residency in Spain, and your actual business model.
Wise Business (IBAN BE/EE)
Well-suited for freelancers and small teams in IT, design, marketing, and B2B consulting.
Belgian or Estonian IBAN. More 60 than currencies low SEPA fees for payments in euros
Wise allows working with clients from the crypto sector if the business is well documented
and complies KYC/AML packageThe accounts are still fiat:
Crypto is not stored or exchanged within Wise, only euros and other fiat currencies.
Revolut Business
Suitable for agencies, SaaS projects, and e-commerce with frequent payments and regular operational workload.
The possibility to issue сorporate cards for the team and employees.
Mass payments to contractors and partners. Fast support via chat.
Revolut offers a strong security and control system: card limits, 3D Secure, activity monitoring.
and real-time transaction monitoring.
LHV Bank (Estonia)
A classic Estonian bank, commonly used companies in IT, B2B SaaS, consulting, and international trade ..
Suitable when maximum formality is required: large contracts, tenders, working with investors.
LHV is usually considered when planning stable monthly turnover (for example, €30,000–€200,000 per month and above)
and traditional banking relationships in Estonia are important. The KYC process here is more detailed,
but in return, you get a predictable and stable bank focused on long-term cooperation.
The KYC/AML package we prepare for you
A typical mistake is opening a bank account “by guesswork” and then arguing with the bank and answering endless questions. We do the opposite:
we explain your case in the language of compliance before an analyst even starts asking questions.
What’s included in the package
- A clear description of your business model and the role of the OÜ.
- Map of clients and countries, you work with.
- Source of funds and supporting documents (contracts, invoices, portfolio).
- Explanation of payment flows (incoming and outgoing transactions, approximate amounts, frequency).
- Links to the website, professional profiles, and materials confirming the actual business activity.
What the bank receives — and what you receive
- The bank sees a complete and well-documented case,not an abstract company “without history”.
- Fewer follow-up questions and a lower risk of rejection “due to doubts”.
- The likelihood is reduced of preventive blocks, related to insufficiently clearly described business activity.
- A solid foundation for future compliance checks.
If, in your situation, it makes more sense to choose a Spanish bank or a different structure (for example, an SL in Spain), we will say this already at the first consultation.
Our goal is not to “sell an OÜ at any cost”, but to help build a structure that can withstand checks and audits.
A brief overview: which bank is right for you
| Profile | Recommended option | Notes |
|---|---|---|
| Freelancer / small team (IT, design, marketing) | Wise Business | Low fees, multi-currency support, fast onboarding. |
| Agency, SaaS, e-commerce with recurring payments | Revolut Business | Team cards, bulk payments, strong security dashboard. |
| Company with large contracts and corporate partners | LHV Bank | A classic Estonian bank, with more formal and stable relationships. |
During the consultation, we review your specific case and explain which bank or fintech makes the most sense.
and how to present it properly to the compliance team.
Before choosing a bank or fintech solution, it is important to understand how it fits with your Spanish tax residency.
We explain this in detail here:
«Company in Estonia from Spain — 2025 Guide»..
Frequently asked questions about banks and fintech
- Which bank is best for my OÜ? — It depends on the type of activity, turnover, and the countries of your clients. For IT and digital
services, it often works well Wisefor agencies and SaaS — Revolut for large contracts — LHV is the classic. - Is it possible to open an account if the business is related to crypto? — Some banks accept such cases,
if the activity is transparent and payments and fund storage are handled in fiat. We assess this in advance — before submitting the application. - Which documents are usually requested? — OÜ documents, identity verification, evidence of real
business activity, explanation of the source of funds, and sometimes a CV or a description of professional experience. - Do you guarantee account opening? — No. Our task is to minimize the number of preventable rejections,
by preparing an honest and logically structured KYC package.
How much can you save with a properly structured OÜ?
Instead of guesses, you get a numerical estimate of:
your current structural costs, a scenario with an Estonian OÜ plus Irys accounting support,
administrative hours that could be freed up, and the level of risk in relation to the Spanish tax authority.
The calculator does not replace tax advice,
but it gives you
a quick, easy-to-understand snapshot to help you to decide whether it is worth
reviewing your case in detail.
Do you want to structure your OÜ properly and avoid issues later on?
We review your case, tell you whether an OÜ makes sense for you from Spain,
what should be adjusted, and how to get everything ready for banks, taxes and compliance.
A short, clear consultation — with no obligation.