Next-Generation Digital Banking for Global Residents in Europe
Multi-currency IBAN, debit card, SEPA/SWIFT, biometric KYC—built for migrants, expats, freelancers, and SMEs.
Join the Waitlist
Joined by thousands of users across Europe
Banking solutions designed for your unique journey
New Arrivals
Get your European IBAN and start banking within minutes of arrival. No local address or credit history required.
Freelancers & Remote Workers
Manage international payments, receive funds from global clients, and track expenses across multiple currencies.
Small & Medium Businesses
Streamline your business banking with multi-user access, bulk payments, and dedicated account management.
International Students
Affordable banking for students with no monthly fees, easy money transfers, and multilingual support.
Everything You Need for Modern Banking
Comprehensive financial services designed for the global community in Europe
Instant IBAN
Multi-currency accounts in minutes.
Debit Card
Virtual and physical, in-app controls.
Transfers
SEPA and SWIFT with transparent fees.
Biometric KYC
Fast onboarding with smart compliance.
Remittance & Bills
Send money and pay bills.
Multilingual App
EN/FR/AR/NL support.
How It Works
Get started with NorPay in three simple steps
Download the app and verify your identity
Get the NorPay app and complete our secure biometric verification process in minutes.
Get your IBAN and card
Receive your European IBAN instantly and order your virtual or physical debit card.
Move money, spend, and save—anywhere in Europe
Start banking without borders with SEPA transfers, international payments, and more.
Why Choose NorPay
Built with your needs in mind, designed for the modern global lifestyle
Instant Setup
Get your account ready in minutes, not days
Transparent Fees
No hidden charges, clear pricing on every transaction
Bank-Level Security
Your funds are protected with European banking standards
24/7 Support
Multilingual support team ready to help anytime
Ready to Get Started?
Join thousands of users who are already banking without borders
Simple, Transparent Pricing
Choose the plan that fits your needs
Free
Perfect for getting started
- European IBAN account
- Virtual debit card
- SEPA transfers (€0.50 per transfer)
- Basic mobile app access
- Email support
- Multi-currency wallet
Plus
For frequent users
- Everything in Free
- Physical debit card
- Unlimited free SEPA transfers
- Reduced SWIFT fees
- Priority support
- Advanced spending analytics
- ATM withdrawals (up to €500/month)
Business
For businesses and teams
- Everything in Plus
- Multi-user access
- Bulk payment processing
- Dedicated account manager
- API access
- Custom reporting
- Invoice management
All plans include bank-level security and GDPR compliance
Compliance and Security
Your security is our top priority
GDPR Compliance
Full compliance with European data protection regulations, ensuring your personal information is secure and private.
AML/CFT Controls
Advanced anti-money laundering and counter-terrorism financing measures to protect the integrity of our platform.
Sanctions Screening
Real-time screening against international sanctions lists to ensure regulatory compliance.
Transaction Monitoring
24/7 automated monitoring of all transactions to detect and prevent suspicious activities.
Transparency
Clear and transparent fee structure with no hidden charges. You always know what you're paying for.
Dispute Resolution
Fair and efficient dispute resolution process with dedicated support team to handle your concerns.
Advanced Security Measures
Multi-layered security approach to protect your funds and data
Biometric KYC
State-of-the-art identity verification using biometric technology
- Facial recognition
- Document verification
- Liveness detection
- AI-powered fraud prevention
Data Protection
Enterprise-grade encryption and security protocols
- End-to-end encryption
- Secure data storage
- Regular security audits
- ISO 27001 certified
Risk Management
Comprehensive risk assessment and mitigation strategies
- Real-time fraud detection
- Transaction limits
- Two-factor authentication
- Suspicious activity alerts
About NorPay
We're building the future of digital banking for global citizens in Europe. Banking without borders, designed for the modern world.
Our Mission
NorPay's mission is to build a digital bank and fintech platform that puts compliance, simplicity, and global experience at the heart of everything we do.
We believe everyone deserves access to modern financial services, no matter where they come from or where they're going. Whether you're a migrant starting a new life in Europe, a freelancer working across borders, or a business expanding internationally, we're here to make banking seamless.
Our Values
The principles that guide everything we do
Trust
Building lasting relationships through transparency and reliability
Transparency
Clear communication, honest pricing, and open operations
Security
Bank-grade protection for your data and funds
User First
Designing every feature with your needs in mind
Compliance by Design
Regulatory excellence built into every process
Inclusive
Banking for everyone, regardless of background or location
Meet Our Team
Experienced founders building the future of digital banking in Europe
Rassem Mushtaha
Co-Founder & CTO
Former tech lead at major fintech companies with 15+ years of experience in building scalable financial platforms.
Hichem Khelifi
Co-Founder & Chief Business Development Officer
Expert in business development and strategic partnerships with deep knowledge of European banking regulations.
Frequently Asked Questions
Everything you need to know about NorPay
NorPay is available for residents and non-residents in supported EU markets. We welcome migrants, expats, freelancers, students, and SMEs who need modern banking solutions in Europe.
Get in Touch
We're here to help