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Newrails

Newrails is a Lithuanian-licensed electronic money institution offering business accounts with named euro IBANs, direct SEPA and SEPA Instant participation, SWIFT, and multi-currency balances. Through one REST API, fintechs and platforms can issue virtual IBANs in bulk and embed the rails under their own brand. Newrails also issues EURW, a MiCA-compliant euro stablecoin that account holders can mint and redeem 1:1 from their IBAN balance.

Not a merchant acquirer — no applications Visit Website
Fees from
Indicative standard rates (Standard Due Diligence; final price set on application). Monthly fee: Starter €0, Growth €12.99, Scale €35, Non-EU custom pricing. Account opening and application review: €0 on EU plans. EUR local inbound: €0. EUR local outbound per transfer: €1.00 (Starter), €0.50 (Growth), €0.25 (Scale), from 0.05% (Non-EU). EUR international outbound (SHA): 0.45% min €25 / max €125 (Starter), 0.35% min €22 / max €100 (Growth), 0.25% min €20 / max €75 (Scale), 0.40% min €25 / max €125 (Non-EU). EUR international outbound (OUR): 0.45% min €40 / max €150, 0.35% min €35 / max €135, 0.25% min €30 / max €125, 0.40% min €40 / max €150. Crypto-related transaction surcharge: 0.45% min €25, 0.35% min €22, 0.25% min €20, 0.40% min €25. EURW mint/redeem: €0. EURW deposit/withdraw: 1.0000 EURW (EU plans), from 0.05% (Non-EU). EURW ↔ USDC swap: 0.3000 / swap (Non-EU). Transfers to other Newrails users €0. High-risk businesses (Enhanced Due Diligence): pricing quoted per client.
Settlement
Instant to 10 business days
Coverage
Global
Payment methods
3
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Newrails before signing. Visit Website is an external link; we may earn a commission.

Newrails overview

Best for

Fintechs, PSPs, crypto/Web3 platforms and international businesses that need regulated euro IBAN accounts, direct SEPA access and a euro stablecoin rail via one API.

Newrails pricing & fees

Pricing structure

Pricing
Indicative standard rates (Standard Due Diligence; final price set on application). Monthly fee: Starter €0, Growth €12.99, Scale €35, Non-EU custom pricing. Account opening and application review: €0 on EU plans. EUR local inbound: €0. EUR local outbound per transfer: €1.00 (Starter), €0.50 (Growth), €0.25 (Scale), from 0.05% (Non-EU). EUR international outbound (SHA): 0.45% min €25 / max €125 (Starter), 0.35% min €22 / max €100 (Growth), 0.25% min €20 / max €75 (Scale), 0.40% min €25 / max €125 (Non-EU). EUR international outbound (OUR): 0.45% min €40 / max €150, 0.35% min €35 / max €135, 0.25% min €30 / max €125, 0.40% min €40 / max €150. Crypto-related transaction surcharge: 0.45% min €25, 0.35% min €22, 0.25% min €20, 0.40% min €25. EURW mint/redeem: €0. EURW deposit/withdraw: 1.0000 EURW (EU plans), from 0.05% (Non-EU). EURW ↔ USDC swap: 0.3000 / swap (Non-EU). Transfers to other Newrails users €0. High-risk businesses (Enhanced Due Diligence): pricing quoted per client.
Your business must be registered in
Not disclosed

Newrails settlement & payouts

Payouts

Settlement time
Instant to 10 business days
Settlement currencies
Not collected yet

Newrails API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Newrails coverage & payment methods

Global coverage — specific countries not listed.

Payment methods

SepaSwiftUsdc

Newrails licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Newrails, UAB

Lithuania

LEI 875500AX7AO0XVYSQD64

Licenses

E-Money Institution LT

Authorised Electronic Money Institution (LT)

Bank of Lithuania

License LT

MiCA Crypto-Asset Service Provider (LT)

European Securities and Markets Authority — MiCA register (EU)

License LT

MiCA E-Money Token Issuer (LT)

European Securities and Markets Authority — MiCA e-money token issuers (EU)

License numbers & register records

3 license numbers · 3 register records on file for Newrails, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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