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Railor

Railor is the brand of NEXTEDGE, UAB, an electronic money institution licensed and supervised by the Bank of Lithuania (EMI Licence No. 8). It offers business accounts with multi-currency IBANs, SEPA/SWIFT and local-rail payments, embedded FX, Visa debit cards, and crypto on/off ramp through partners, with a dedicated account manager for each client. Its website says the service is launching soon and is taking sign-ups for a waiting list.

Fees from
Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000.
Settlement
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Coverage
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Payment methods
3
Dev tools
Sandbox Webhooks

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

Railor overview

Best for

Businesses with complex structures, cross-border flows and higher-risk profiles, such as iGaming, forex, crypto-native firms, e-commerce, service providers and startups, that want an EU EMI business account with a dedicated manager.

Railor pricing & fees

Pricing structure

Pricing
Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000.
Your business must be registered in
Not disclosed

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Railor settlement & payouts

Payouts

Settlement time
Not collected yet
Settlement currencies
Not collected yet

We haven't collected settlement details for Railor yet. Confirm payout timing and currencies directly with Railor before signing.

Railor API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Railor coverage & payment methods

Global coverage — specific countries not listed.

Payment methods

ChapsSepaSwift

Railor licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

NEXTEDGE, UAB

Lithuania

Licenses

E-Money Institution LT

Authorised Electronic Money Institution (LT)

Bank of Lithuania

License numbers & register records

1 license number · 1 register record on file for Railor, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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