Personal Accounts
Get a current account for everyday needs
Be in charge of your money 24/7 with Genome. Discover our easy-to-use, online current account for your personal funds. Onboard via the web browser no need to visit any bank branches. Open a dedicated EUR IBAN from the comfort and safety of your home.
Open account
Personal Accounts
How to open a current account in Genome?
Step 1
Step 2
Personal Accounts
Genome's current account also includes
Money transfers
Our IBAN current accounts are rather handy for SEPA transfers. Send money instantly to other Genome users using internal transfers. Save and schedule transfers in advance.
Currency exchange
It takes seconds to exchange currencies within Genome with a beneficial 1% flat fee over the interbank rate. Use our on-site calculator to know exactly how much money to exchange.
Multi-currency accounts
Open more different current accounts, for storing money in three different currencies: EUR, GBP, USD. Set up the additional accounts easily and for free — from the dashboard.
Secure payments
Genome is licensed and regulated by the National Bank of Lithuania. That means your personal funds will not disappear tomorrow without a trace. Starting from ID verification to every transaction we protect your money.
Business and merchant account opening
Do you need corporate financial services as well? Look no further — apply for merchant and business current accounts within Genome online. Pass the quick onboarding and enjoy even more features for companies.
Visa Debit cards available
Genome offers personal debit Visa cards for payments on the go, and virtual cards for online shopping. Order custom cards with no printed info on them for extra security.
Personal Accounts
Benefit from a debit card for current account
Use the card anywhere
Dont worry about going abroad with Genome's Visa debit card — you can use it in different countries without the risk of getting blocked.
Easy management via the app
You can manage the card on the go — just use Genome's app. Access your card features, settings, push notifications, and more whenever you need to.
Get cash when necessary
Some places only accept cash? Not a problem — withdraw cash easily in any ATM in the world that supports Visa cards.
Personal Accounts
Order and start using Genome virtual card
Discover new level of possibilities for safe contactless payments with instant online access with virtual Visa cards.
Set up additional features
Take full control of your virtual card: pick the spending limits, receive instant transaction notifications, analyze your operations with summaries.
No plastic - no problem!
Want to go fully digital? Get a virtual card with a short and quick application process. Buy things online easily and securely!
What is a current account in a bank?
People get a current account for basic operations with their personal funds, like sending money, getting paid, etc. Genome, as an Electronic Money Institution, offers free current accounts (aka personal accounts) to EU residents.
How to open a current account?
Banks and payment service providers have different requirements and rules when it comes to account opening. With brick-and-mortar banks, you usually need to visit these to get an account, spend time talking to the manager, and fill out many documents. With Genome, you can apply for the current account online, you will need your phone, an id card/passport/residence permit, and a web browser. Enter some details about yourself and verify your identity — that's all you need to complete the onboarding.
What is the difference between current and savings accounts?
The savings account is typically used to save money, and you will be getting interest based on your deposit. People use these types of accounts to store money to use for a big purchase later on, or in case of emergency, etc. Meanwhile, current accounts are used frequently. With these, you can make money transfers, buy things, and so on. Within Genome, you dont get interest for storing money on your current account. Our current accounts are free. See additional fees in the pricing section of our website.