Genome Genome Personal
A plan byGenome
Genome is a Lithuanian EMI regulated by the Bank of Lithuania, offering 12 currencies, SEPA Instant, business cards with 2FA and biometrics, and batch transfers. Its crypto merchant services are not yet live and available reviews remain limited for now.
Genome Personal
- Price
- Free
- Issuance fee
- €8
- FX markup
- 2%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Cashback cap
- Free
- Required staking
- Nessuno
- ATM fee
- 2%
- ATM limit
- €1,000 singolo prelievo; €2,000 giornaliero
- Net annual cost
- Free
What's included
- EUR IBAN
- Crypto wallet
- Multi-currency
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · LT |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| SEPA transfer | €1 |
| Interest on balance | 0% |
| ATM withdrawal | 2% |
| Free ATM limit | €1,000 singolo prelievo; €2,000 giornaliero |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 30+ countries |
| Regulator | Bank of Lithuania |
| Segment | B2C, B2B |
| MiCA / License status | EMI Bank of Lithuania |
Strengths
- 12 currencies; SEPA Instant; business card with 2FA/biometrics; batch transfers.
- No notable sovereignty advantage documented.
Weaknesses
- Crypto merchant not ancora attivo; recensioni ancora limited.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Bank of Lithuania): reporting to authorities and freezes on order.
Verdict
Bank of Lithuania supervision and concrete features like SEPA Instant, 12 currencies and business cards with 2FA and biometrics give Genome a reliable EU base. The rating stays mid-tier because crypto merchant services aren't live yet and the available reviews are too few to confirm service quality over time.
On this lens Genome offers little that's distinctive: full KYC, a custodial account and average privacy, with crypto-merchant services not yet operational. It's an efficient Lithuanian EMI for SEPA payments, not a tool geared toward privacy or direct control of funds.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Genome a real bank?
Genome operates under a EMI licence (LT). It is regulated by Bank of Lithuania. Fund protection: Safeguarding — nessuna garanzia depositi.
Can I send transfers to third-party IBANs with Genome?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Genome support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Genome support?
The number of supported fiat currencies is not documented. Multi-currency accounts: supported.
Can I withdraw crypto on-chain from Genome?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Company profile · Trust & safety · +6 Data verified on Jun 15, 2026
- support.genome.eu Deposit guarantee Data verified on Jun 15, 2026
- aziendabanca.it Regulatory framework Data verified on Jun 14, 2026
- okredo.com Issuer Data verified on Jun 14, 2026
Show 1 more source
- trustpilot.com Trust & safety Data verified on Jun 14, 2026