privatebanking1 – 10n Payments — Electronic Money Institution

Everything You Need to Manage Money

From receiving your first salary to sending money home - we make banking in Bulgaria simple and affordable.

No Bank Hassle

Forget long queues, confusing paperwork, and language barriers. Open your account in English from your phone - wherever you are.

Ready Before Travel

Open your account before you travel. Share your IBAN to your employer and receive your salary from day one - no waiting.

Get Visa Cards

Order your Visa card and use it at your leisure. Shops, online purchases or cash withdrawals - Visa is accepted everywhere.

Send Money Home

Transfer money abroad with transparent fees and competitive rates - whenever your family needs it.

Why Choose 10n Pay

To help businesses and people move money more efficiently, grow value, and build stronger financial futures.

Free EU IBAN

Open your account from anywhere using just your passport - no branch visits required.

No Minimum Salary Requirements

We welcome everyone - from construction workers to IT professionals. No minimum income required.

We’re All Family Here

Make transfers for free instantly to other 10n Pay users. Send money home with low fees - when you work hard, every euro matters.

EU-Licensed and Secure

We are a regulated European financial institution. Your funds are protected under strict EU laws.

How it Works

Get Your IBAN, wherever you are, in 3 Easy Steps

Join the Waitlist

Download the App

We will notify you as soon as the app is available. Download it and complete your secure verification.

Receive your IBAN

Get your European IBAN and start receiving your salary - no waiting for local bank approval.

Virtual or Physical? 
Get both with Visa

Physical Card

Receive two free Visa cards delivered to your address. Use them in stores, withdraw cash at ATMs, and pay anywhere Visa is accepted.

Virtual Card

Start spending instantly. Add your card to Apple Pay or Google Pay, or use it for online purchases.

Full Control

Lock or unlock your card instantly. Set spending limits. Receive real-time notifications for every transaction.

Move Money Your Way

Send, receive, and pay - free within our network, competitive rates everywhere else.

Free 10n Pay Transfers

Instant and free transfers to other 10n Pay users.

EU SEPA Transfers

Send money to any EU bank account directly from your app.

Utility Bill Payments

Pay utilities, mobile services, and subscriptions easily from one place.

coming soon

International Money Transfers

Transparent global transfers designed for workers supporting families abroad.

See fees before you send

Competitive exchange rates

Fast and secure transfers

Supported currencies: BDT, EGP, INR, NPR, PKR, PHP, LKR, VND, GBP, USD, BRL, TRY, MXN, CLP, PEN, AED, COP, CNY

Security You Can Trust

We are a licensed European e-money institution,
regulated under Bulgarian and EU law.

Your personal data is protected
under GDPR

Your funds are safeguarded under
strict EU regulations

24/7 fraud monitoring for
your protection

Start Your European Life Right

Open your European bank account today - before you even pack your bags.

Frequently Asked Questions

Can I open an account before arriving in Bulgaria?

Yes! Open your account wherever you are with just your passport. Get your IBAN instantly.

When will I get my Visa cards?

Visa cards are issued after you receive your Bulgarian (or other EU) residence card.

Do I need to speak Bulgarian?

No. Our app and support are fully in English. Simple and easy to use.

What if Bulgarian banks reject me?

We welcome all workers - from construction to IT. No minimum salary required.

Is my money safe?

Yes. We're EU-licensed and regulated. Your funds are protected under European law.