Business banking, built for people who move.
One European account for the freelancer in Lisbon, the founder incorporating an Irish LTD from San Francisco, and the agency in Warsaw. Open online in 15 minutes.
Breva is the Commercial Agent of Swan, an Electronic Money Institution licensed by the ACPR (France) and passported across the EEA. Funds are safeguarded in a segregated account and protected up to €100,000. See details.
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Everything a European business needs.
Nothing it doesn't.
Four things, done properly. Open an account, spend from it, send from it, and keep the books straight — in one considered surface.
One account.
30 countries.
Open an account in 30 EEA countries. Cards available in 18. Local support in 5. One EUR IBAN issued by Swan, with receipts shown in your language.
- Free EUR IBAN, active in under 15 minutes
- Local presentation in EN, PT, PL, RO, EL, and more
- Passportable across the EEA
- Funds safeguarded and protected up to €100,000
Virtual in a tap.
Controls in one place.
Virtual cards in a tap. Physical cards coming as Swan issues them across our markets.
- Virtual cards with Apple Pay and Google Pay support
- Cards available in 18 countries
- Cards for Poland and Romania coming later
- Per-card limits, budgets, and merchant controls
SEPA Instant
in 3 seconds.
Send and receive in seconds, not days. Batch payouts for contractor teams. Schedule recurring transfers. Direct debits with clear identifiers your customers actually recognize.
- SEPA Instant: 3-second transfers, 35 countries
- Batch payouts up to 500 recipients per file
- Direct debit collection with SEPA mandate management
- Clear status and references for every EUR transfer
The accountant
never has to ask.
Review each transaction, attach its receipt, and prepare records for your accountant. Connect your books or export a clean CSV from one place.
- Categories you can review and change
- Receipt inbox for forwarded documents
- Connection status for your accounting provider
- Exports for Xero, QuickBooks, or CSV
“Every neobank promised us European coverage. Breva delivered it — in one account. The Portuguese contractor, the Polish agency, and the Irish HoldCo all pay and get paid from the same balance.”
Free to start.
Fair as you grow.
No account minimums. No branch fees. No surprise line items. Pick the tier that matches the size of your team — change it any time.
Solo
For freelancers & consultants
1 user, 3 virtual cards where available, 50 SEPA transfers / month
- Free EUR IBAN
- 1 Mastercard debit card where available
- SEPA + SEPA Instant
- Basic books & VAT reporting
- Email support
Team
For SMBs & agencies
Up to 10 users, unlimited cards where available, 500 SEPA transfers / month
- Everything in Solo
- Team roles & spend limits
- Approval workflows
- Xero, QuickBooks, CSV export
- Priority chat support
Scale
For growing companies
Unlimited users, cards where available, unlimited transfers
- Everything in Team
- Multi-entity consolidation
- Dedicated account manager
- API access & webhooks
- Priority onboarding support
15 minutes.
Then it's yours.
Start with the €0 Solo plan. Bring a passport and proof of address. If you're incorporating, you'll also need your company registration.