Fin-Mechanica
Personal accounts
Unlock what your money can do, starting today
An IBAN account, a card, and transfers in a couple of minutes — no branch visit required. Choose the plan that fits how you use your account.
Features
Everything you need for everyday finances
Online registration
A fast application with no branch visit — sign-up takes just a couple of minutes.
Transfers by phone number
Instant transfers to other Fin-Mechanica clients and other banks — no account details required.
Prepaid cards
Full control over your card balance. Physical card delivery is available across the EU/EEA/EFTA.
Virtual card
A long-term virtual card for just C$1 — ready to use immediately.
Instant top-ups
Top up your account in seconds from another card — no waiting on a bank transfer.
Free SEPA transfers
From 3 to 12 free SEPA transfers per month, depending on your plan.
Fees
A transparent fee schedule
Please confirm current figures during onboarding — the rates below are indicative.
| Operation | Cost |
|---|---|
| Onboarding (Advanced / Investor) | C$500 |
| Internal transfer | C$50 |
| External transfer | C$150 |
| Currency conversion | 0.30% |
| Physical card | C$50 |
| Virtual card | C$2 |
| ATM withdrawal (SEPA) | 1.5%, min. C$3 |
| Max. card balance | C$10,000 |
| Max. monthly withdrawal | C$5,000 |
| Max. daily withdrawal | C$2,000 |