Genome Genome Personal
A plan byGenome
Data verified on unchanged since the sources
Worth it if you are an individual or business in the EEA and want a multi-currency account (12 currencies) with SEPA Instant and business cards with 2FA and biometrics.
Avoid it if you want a deposit guarantee or withdraw cash often: it is an EMI with safeguarding only, 2% ATM withdrawals and a 2% FX markup.
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
- 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 yet live; reviews still 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.
Reputation
What happened to people who used Genome, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
History not verifiedWe have not yet completed the incident search for this service: no entries here does not mean no events.
Public reviews
-
App Store ↗
4.7/5
30 reviews
Lithuanian (home-market) storefront of the 'Genome money transfers & cards' app by MANEUVER LT UAB; small sample (30 ratings). On the UK storefront the score is lower at 4.38 across 66 ratings.
Weighted average across 1 public review platform (30 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Genome a real bank?
Genome operates under a EMI licence (LT). It is regulated by Bank of Lithuania. Fund protection: Safeguarding — no deposit guarantee.
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 · +9 Data verified on Jul 13, 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