Your Money. Your Control.

Manage your finances with a European IBAN and Visa cards.
All your banking in one secure app.

Your money. Your control.

Send, spend, and manage your money with your European IBAN, Visa card, and instant transfers - all in one secure app.

Everything You Need
for Your Money

Whether it is getting your salary, sending money abroad, paying bills, or shopping online - 10n Wallet handles it all.

European IBAN

Open your account. Send and receive money across Europe with lower costs and all the benefits of a European IBAN.

Visa Cards

Get 2 free physical Visa cards for cash withdrawals and in-store purchases, plus virtual cards for instant online shopping.​

EU SEPA Transfers

Move money across Europe quickly and easily. Reach any SEPA bank account with low fees, anytime.

Utility Bill Payments

Pay electricity, water, heating, mobile, and other household bills in seconds - directly from your wallet.

Get Your IBAN
in Minutes

1
Sign up
Join online or in our app. No paperwork required.
2
Verify your identity
Complete a quick digital verification.
Fully compliant with EU regulations.
3
Start banking
Get your IBAN right away, order your card,
and start managing your money.
man with phone

Virtual or Physical?
Get both with Visa

Physical Card

Get 2 free physical Visa cards delivered to your door. Use them to shop in stores, withdraw cash at ATMs, and pay anywhere Visa is accepted worldwide.

Virtual Card

Start using your virtual card instantly - add it to Apple Pay or Google Pay for tap-to-pay shopping, or use it for online purchases and subscriptions.

Pay Your Way

Contactless in stores, mobile payments with Apple Pay or Google Pay, or shop online - use your cards however you prefer. Fast, secure, and accepted everywhere.

Easy Management

View transaction history, download statements, request replacements, and update your PIN - all in seconds from your app.

Security & Control

Lock or unlock your cards instantly. Set spending limits, block specific merchant categories, and get real-time notifications for every transaction.

Payment Services

Move money your way - anytime, anywhere.
10n Pay Transfers

Send money to other 10n Pay users instantly - perfect for splitting bills or sending support.

EU SEPA Transfers

Move your money in seconds - across the EU. Send to any bank account in Europe and manage all your transfers from one place.

Utility Bill Payments

Pay your utilities, mobile top-ups, and monthly subscriptions straight from your wallet. Set up automatic recurring payments and never miss a due date.

Bill Payments

Settle your utilities, mobile top-ups, or monthly subscriptions straight from your wallet.

International Money Transfers

Transfer money internationally with transparent fees and competitive exchange rates.
Send to bank accounts and wallets across Asia, Europe, the Americas, and the Middle East.
Supported currencies: BDT, EGP, INR, NPR, PKR, PHP, LKR, VND, GBP, USD, BRL, TRY, MXN, CLP, PEN, AED, COP, CNY.
Monitor status and history for every transfer in your wallet.

Digital Tokens - Simple and Useful

Use money in new ways. With 10n Pay tokens, you can pay, save, and enjoy rewards - all backed by security and trust.
Stable Digital Money

Euro-backed tokens you can use just like cash - stable, transparent, and always 1:1 with real money.

Faster Payments

Send and receive money instantly - no delays, no hidden fees.

Rewards & Loyalty

Access branded tokens for discounts, cashback, or partner rewards.

Safe & Regulated

Your tokens are fully compliant under EU law and protected by the highest standards.

Robust Security & Compliance

We are a licensed European e-money institution. Your funds are protected under strict EU standards - including anti-money laundering (AML), identity verification (KYC), and data protection (GDPR) regulations. Modern security. Regulatory oversight. Your peace of mind.

Join 10n Pay.
Get More from Your Money