Paysera vs Centtrip
For spending abroad FX markup matters, and Paysera does better (0.7% vs 2%). In our editorial rating Centtrip leads (4.4 vs 3.5). In short: Paysera if your usage matches its strength, Centtrip otherwise — the numbers above beat any slogan.
| Paysera | Centtrip | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.5 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · LT · LT | dedicato · GB, EEA |
| Deposit guarantee | None (e-money account) | — |
| Multi-currency | Yes · 20 currencies | Yes · 15 currencies |
| Outbound transfers to third-party IBANs | Yes | No |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| SEPA transfer | Free | — |
| Card included | Carta Visa opzionale a canone ridotto | — |
| Network | Visa | — |
| ATM withdrawal | 1% | not declared |
| Free ATM limit | EUR 1 in the EU eurozone; EUR 1 + 1.80% outside the eurozone; EUR 1.50 + 1.80% outside the EU | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA · 1+ countries | EEA, UK, US, APAC · 100+ countries |
| Regulator | Bank of Lithuania | FCA |
| OAM Italy registration | No | No |
| Segment | B2C | B2B |
| On-chain crypto withdrawal | — | No |
| Interest on balance | — | 0% |
| Regions | EU/EEA | EU/EEA, UK, US, APAC |
| Licences & safety | Istituto di moneta elettronica (IMEL) — Bank of Lithuania | EMI |
Frequently asked questions
Paysera vs Centtrip: which is better?
For spending abroad FX markup matters, and Paysera does better (0.7% vs 2%). In our editorial rating Centtrip leads (4.4 vs 3.5). In short: Paysera if your usage matches its strength, Centtrip otherwise — the numbers above beat any slogan.
Which is cheaper, Paysera or Centtrip?
On the standard spending profile Paysera has the lowest net annual cost: €0 versus €0 for Centtrip.
Is Paysera custodial or self-custody?
Paysera is custodial: funds are held by the platform, while Centtrip is custodial.
Which is better for spending abroad?
For foreign-currency spending Paysera wins, with the lowest FX markup: 0.7%.