Banking comparison

LHV is regulated or supervised by the Estonian Financial Supervision Authority. Customer assets held by LHV Bank are comprehensively protected via three measures: LHV Bank internal control system, LHV Bank equity capital and the Estonian state system for the protection of investors and depositors.Estonian state-backed guarantee of 100,000€ on all deposits. Read more.

Since 2012, Paysera is a licensed e-money institution with the right to execute the activity related to the issuance of e-money and provision of payment services all around the European Union. The e-money institution license was issued by the Bank of Lithuania. The introduction of electronic money ensures that the funds of the electronic money holders and the funds transferred to the electronic money institution by the users of the payment service are solely their property and cannot be recovered from the debts of the electronic money institution. All funds transferred to your Paysera accounts are separated from the funds of the company and cannot be used for company needs, loaned or invested as banks do. As a result, there is no risk of failed investments/loans and no additional insurance is required. In the event of the bankruptcy of the e-money institution, regardless of the amount of money held in the Paysera account (even if it exceeds 100 000 EUR), the client will receive all of their money back. In the event of the bankruptcy of our partner bank, the electronic money institution will also be able to obtain all funds deposited by the clients, as banks are not able to use the money deposited in such accounts. Read more.

Wise is an Electronic Money Institution and is required by law to keep your money safe by storing it in a low-risk financial institution (e.g. bank account). For example, for UK and European customers, your money is stored and safeguarded securely in our Barclays accounts in the UK. This means that in the event that Wise were to become insolvent, your money is unaffected and will be refunded to you in full.

Stripe has been audited by a PCI-certified auditor and is certified to PCI Service Provider Level 1. This is the most stringent level of certification available in the payments industry. To accomplish this, we make use of best-in-class security tools and practices to maintain a high level of security at Stripe. Read more.

Intergiro is an Electronic Money Institution, regulated in Sweden by Finansinspektionen (The Swedish Financial Supervisory Authority) under the Swedish Electronic Money Act (2011:755), Licence Reference: 48003, for the issuing of electronic money. We are required by law to protect clients money by safeguarding it with a bank, segregated from Intergiro's own funds. That means, in the unlikely event that Intergiro become insolvent, client money will be unaffected and will be refunded to clients in full.

Payhawk is PCI Level 1 compliant with Bank-level security under PCI-DSS standards. Payhawk Limited is registered under company registration number 11747263, 100 Bishopsgate, London, United Kingdom, EC2M 1GT. Payhawk Visa Cards are issued by Payrnet Limited authorised and regulated in the United Kingdom by the FCA as an Authorised Electronic Money Institution. Customer money is being kept safe in segregated, safe-guarded accounts of our cooperation banks.