Your IBAN • Your Card • Your Crypto
Send and receive money instantly. With Flex accounts(1), you can manage bank transfers and blockchain transactions all from a single, simple, and intuitive interface.
Pay anywhere VISA is accepted, with no fees(4).
Your money remains in your control: SATŌ does not hold your funds. You retain control of them at all times.
Our account packages
free
• Free virtual card
• 1 European IBAN (EE)
• 1 Flex account(1) in euro(2)
Complimentary offer with no commitment
Perfect for discovering SATŌ.
Most popular
3.99 € / mo
or 39,00 € per year with annual payment
or 39,00 € per year with annual payment
Everything included in Open, and
• Free physical card
• Up to 2 active cards
• 2 free withdrawals per month
• Up to 3 Flex sub-accounts(1)
• Higher limits
• More control over your budget
12-month commitment period
For day-to-day use.
Ideal for travel
6.99 € / mo
or 69,00 € per year with annual payment
or 69,00 € per year with annual payment
Everything included in Plus, and
• Up to 3 active cards
• 5 free withdrawals per month
• Up to 10 multi-currency Flex sub-accounts(3)
• Higher and adaptive limits
12-month commitment period
To manage multiple accounts and make international payments.
(1) SATŌ's Flex accounts allow you to use stablecoins as if they were traditional fiat currencies. They enable seamless interaction with traditional payment rails (such as SEPA or VISA) and, conversely, allow you to use fiat currencies as if they were cryptocurrencies on blockchain payment networks (such as EVM). SATŌ’s Flex transactions let you manage your payees and on-chain, on-rail, or mobile-to-mobile payments without worrying about the payment rail used or the currency. The Flex account provided by SATŌ is a non-custodial wallet integrated into the SATŌ app. It allows you to spend compatible stablecoins via the VISA payment card provided by SATŌ. This means you can pay anywhere VISA is accepted, without worrying about whether the merchant accepts cryptocurrencies, and without transaction or usage fees.
(2) EURc or EURe. | (3) USDc, USDe or GBPe.
(4) Gas is the fees paid to validators to execute, validate, and then record a transaction on the blockchain. These fees may vary over time and are always displayed in advance in the SATŌ app when a transaction requires gas. Payments made with the VISA card provided by SATŌ never incur gas fees or transaction fees.
(2) EURc or EURe. | (3) USDc, USDe or GBPe.
(4) Gas is the fees paid to validators to execute, validate, and then record a transaction on the blockchain. These fees may vary over time and are always displayed in advance in the SATŌ app when a transaction requires gas. Payments made with the VISA card provided by SATŌ never incur gas fees or transaction fees.
Compare our offers
| | | |
|---|---|---|---|
| Functionality | |||
| EEA IBAN | 1 | 1 | 1 |
| Flex account | 1 | Up to 3 | Up to 10 |
| Link your cold wallet | ✓ | ✓ | ✓ |
| Currencies | EUR | EUR | EUR | USD | GBP |
| Supported stablecoins | EURc | EURe | EURc | EURe | EURc | EURe | USDc | USDe | GBPe |
| Instant SEPA transfers | ✓ | ✓ | ✓ |
| Virtual cards | 1 included | 1 included | Up to 2 included |
| Physical card | 19 € | Included | Included |
| Free withdrawals | — | 2 free of charge | 5 free of charge |
| Funding your account | |||
| Top up via SEPA transfer | No fee (1:1) | No fee (1:1) | No fee (1:1) |
| Withdrawals via SEPA transfer | No fee (1:1) | No fee (1:1) | No fee (1:1) |
| Transfers between Flex accounts | No fee | No fee | No fee |
| Monthly limits | |||
| Card payments | 1 800 € | 8 000 € | Adaptive |
| Receiving SEPA transfers | No limit | No limit | No limit |
| Receiving on-chain transfers | No limit | No limit | No limit |
| Sending SEPA transfers | 5 000 € | Up to 15 000 € | Adaptive |
| SEPA direct debit | X | X | X |
| On-chain payments | No limit | Adjustable | Adjustable |
| Free withdrawal limit | 2% starting with your first withdrawal | Up to 100 €, then 2% | Up to 200 € | $ | £, then 2% |
| Withdrawal limit | 1 500 € | 1 500 € | Adaptive |
| Protection and safety | |||
| Advanced security (2FA, Passkey) | ✓ | ✓ | ✓ |
| Flex account linked to a non-custodial hybrid wallet | ✓ | ✓ | ✓ |
| Freeze your card instantly (in-app) | ✓ | ✓ | ✓ |
| VISA Secure | ✓ | ✓ | ✓ |
| VISA Zero Liability | ✓ | ✓ | ✓ |
| Monerium's Full Reserve Coverage Guarantee | EURe | USDe | GBPe, No limit | ||
| Circle's Full Reserve Coverage Guarantee | EURc | USDc, No limit | ||
| EDIS, FDIC or FSCS deposit protection | Not available | ||
| Check out our fee schedule to learn about all the features, limits, and applicable fees. | |||
Stable by design
SATŌ combines the best of banking and digital assets in a single account, giving you easy access to your money with a seamless, global experience. With a European IBAN and an international VISA card, SATŌ lets you easily receive and make payments every day, whether in euros or stablecoins.
Take control
SATŌ removes the constraints and fees of traditional banking through a modern, flexible, and user-friendly app. Unlike a traditional bank, whether or not you’ve connected a cold wallet, SATŌ does not hold your funds. They are stored on the blockchain and remain under your direct control, available in real time.
SATŌ is not affiliated with either Ledger or Trezor. SATŌ recommends using industry-standard solutions if you wish to connect a cold wallet to your account. The use of a cold wallet is not mandatory; it is entirely up to the user. The Ledger and Trezor trademarks remain the exclusive property of their respective owners.FAQ
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Our global presence
UNITED STATES
Bozeman
SATŌ Headquarter
@Sky Oro
107 E. Oak Street, Suite 1A
59715-2994, Bozeman, MT
United States
107 E. Oak Street, Suite 1A
59715-2994, Bozeman, MT
United States
New York
RAK | SATŌ NYC Office
@The Farm SoHo
447 Broadway, 2nd Floor
10013-2562, New York, NY
United States
447 Broadway, 2nd Floor
10013-2562, New York, NY
United States
EUROPE
Madrid
SATŌ EEA Office
@VENTURE-X
Calle de Velázquez
50, Planta 5
28001, Madrid
Spain
Calle de Velázquez
50, Planta 5
28001, Madrid
Spain
SATŌ not-a-bank is a fintech operated by RAK LLC, a limited liability company registered in the State of Montana (No. C1612282), United States. RAK LLC is registered as a Money Services Business with FinCEN (No. 31000324039983), federally registered (NMLS #2831587), and subject to the Bank Secrecy Act, which governs anti-money laundering. It is authorized, in accordance with Montana law, to conduct international transfers in digital currency. Account, payment, IBAN, and card services are provided in partnership with regulated financial institutions, including Visa Global Services Inc, Monavate, and LHV Pank. Monavate Ltd (UK) is authorized by the Financial Conduct Authority (No. 901097) and Monavate UAB is authorized by the Bank of Lithuania (LB002139). Accounts and IBANs are provided by LHV Pank. LHV Pank is a bank established in Estonia (BIC/SWIFT: LHVBEE22), authorized in several countries within the European Economic Area and supervised by the Estonian Central Bank. Depending on your country of residence, the applicable entities and partners may vary to comply with local regulations, including those relating to virtual asset service providers (VASPs) as well as the European MiCA regulation.
Digital assets carry a risk of partial or total loss of principal (issuer counterparty risk, smart contract risk, liquidity or redemption risk, operational risk associated with partners, and risk related to loss of access). Funds held in SATŌ accounts denominated in EURc, EURe, USDc, USDe, or GBPe are stable digital assets backed by Circle or Monerium. They do not constitute bank deposits and are not covered by deposit insurance schemes (EDIS, FDIC, or FSCS).
Digital assets carry a risk of partial or total loss of principal (issuer counterparty risk, smart contract risk, liquidity or redemption risk, operational risk associated with partners, and risk related to loss of access). Funds held in SATŌ accounts denominated in EURc, EURe, USDc, USDe, or GBPe are stable digital assets backed by Circle or Monerium. They do not constitute bank deposits and are not covered by deposit insurance schemes (EDIS, FDIC, or FSCS).
© 2026 - SATŌ