Viabuy

What Viabuy does

Viabuy is a consumer fintech product brand operated by Dock Financial S.A. (formerly Crosscard S.A.), a Luxembourg-registered e-money institution authorized by the Commission de Surveillance du Secteur Financier (CSSF) under authorization number 17/19 and registration B215831. The offering centers on an online account with personal Luxembourg and German IBANs, paired with an embossed Mastercard (black or gold) accepted worldwide, and is delivered through a web portal plus iOS and Android mobile apps. Customer onboarding is fully digital — paperless, with no credit check, no proof of income and no overdraft capability — and the company cites an account-opening completion time of under eight minutes and near-100% acceptance for EU residents. Apple Pay is supported in Germany, and Google Pay has been announced as forthcoming.

The business model is direct-to-consumer and fee-driven, with revenue streams including a one-time account/card issuance fee of EUR 69.90, an annual fee of EUR 19.90, a monthly maintenance fee of EUR 9.95 from month 13 (waivable with at least one qualifying transaction per 12-month window), a 2.75% foreign-currency transaction fee, EUR 5.00 per ATM withdrawal, and top-up fees ranging from 0.9% (SEPA) to 8.75% (Paysafecard). Target customers are EU residents seeking a banking alternative — including international travelers, expats, privacy-conscious consumers and those excluded from or unwilling to use traditional banks — served across seven markets (Germany, Luxembourg, France, Italy, Netherlands, Portugal, Spain) via a 7-language website and customer support operation. Customer funds are held in segregated safeguarded accounts and the product is positioned under the Mastercard Zero Liability Policy.

Public information is limited: no revenue, headcount, funding rounds, M&A, leadership bios or investor ownership are disclosed. Account opening is currently suspended in the Netherlands and France per the website, which is a material operational signal despite the company's otherwise "operating" status. The strategic posture combines regulatory legitimacy (CSSF authorization, GDPR compliance, registered VIABUY® trademark) with incremental product enhancements (contactless wallets, localized top-up rails) rather than aggressive expansion.

Name

Viabuy

Legal name

Dock Financial S.A.

Website

https://viabuy.com

Company type

Private

Founded year

2012

Operating status

Operating

Short description

Viabuy is a Luxembourg-based direct-to-consumer fintech, operated by Dock Financial S.A., offering EU residents an online account with personal IBANs and an embossed prepaid/debit Mastercard with no credit check and no overdraft, served across seven European markets.

Ownership category

akta.pro rank

Product category

Consumer Prepaid and Debit Card Banking

NAICS

Depository Credit Intermediation (5221)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), In-App / Online Checkout Wallets (FSAMAEAH)

Keywords

• Prepaid mastercard
• Online IBAN account
• Debit card services
• E-money institution
• Cross-border payments

Headquarters

HQ city

Luxembourg

HQ country

Luxembourg

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Account Issuance Fees: One-time issuance fee charged when opening a new VIABUY account with debit Mastercard
2. Annual Subscription: Recurring annual fee for account maintenance and card services
3. Monthly Account Maintenance: Monthly maintenance fee applicable from the 13th month after account opening, waived if at least one incoming or outgoing transaction occurred in the preceding 12 months
4. Foreign Currency Transaction Fees: Percentage fee charged on card payments made in foreign currencies (2.75% of transaction amount)
5. ATM Withdrawal Fees: Fixed fee per cash withdrawal from ATMs (EUR 5.00 per withdrawal)
6. Top-up Fees: Fees charged when loading money onto the account via various methods including bank/SEPA transfer (0.9%), international bank transfer (1.75%), and alternative methods like Paysafecard (8.75%)

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Viabuy provides an online account with a personal Luxembourg and German IBAN paired with an embossed Debit Mastercard (black or gold), backed by a mobile app and multiple top-up options. The account functions as a bank-account alternative without credit checks, proof of income, or overdraft risk, and is operated by Dock Financial S.A., an EU-regulated e-money institution.

Product overview

VIABUY offers a single unified product: an online account with personal IBAN paired with a physical Debit Mastercard. The account serves as a bank account alternative without requiring credit checks or proof of income. The VIABUY Debit Mastercard (available in black or gold) provides worldwide Mastercard acceptance with embossed card design. Account management is available via web browser and a dedicated mobile app. Loading options include SEPA transfer, SOFORT, Giropay, EPS, and iDEAL depending on the customer's country. Apple Pay integration is available for German customers.

Differentiator

Problem solved

Functional benefit

Products and services

• VIABUY Online Account Online account providing a personal Luxembourg and German IBAN that enables users to receive salary transfers, make outgoing bank transfers, load funds via SEPA/SOFORT/Giropay/iDEAL/EPS, and use the full balance for card payments. Targeted at EU residents seeking a bank-account alternative without credit checks or proof of income.
• VIABUY Debit Mastercard (Black or Gold) Physical embossed Debit Mastercard available in black or gold that provides worldwide Mastercard acceptance, contactless payments, Apple Pay support (Germany), and full spending from the loaded account balance without overdraft risk. Functions as a credit-card alternative for EU resident consumers.
• VIABUY Mobile App Free iOS and Android application that lets VIABUY account holders check balances, view account activity, make payments, top up the account, and receive real-time transaction notifications on mobile devices.

Quantifiable outcome

• Account opening in under 8 minutes with complete online verification
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature7 records

Partnerships

One partnership is on record.

• Dock Financial S.A.coreOthersDock Financial S.A. (formerly Crosscard S.A.) is the licensed e-money institution that issues VIABUY prepaid/debit Mastercard cards and provides the underlying financial infrastructure. It is EU-regulated by CSSF (Commission de Surveillance du Secteur Financier) in Luxembourg with authorization number 17/19.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Revolut: Revolut offers EU consumers multi-currency accounts, prepaid/debit Mastercard cards, and mobile payments — directly overlapping Viabuy's core product of IBAN account plus Mastercard with multi-currency spending.
• N26: N26 is a licensed EU neobank providing digital current accounts with Mastercard debit cards across multiple European countries — the same core proposition Viabuy targets with its IBAN plus Mastercard offering.
• Payoneer: Payoneer provides multi-currency receiving accounts with IBAN equivalents and a Mastercard prepaid card for cross-border freelancers and businesses — comparable to Viabuy's multi-currency IBAN-plus-card product.
• Bunq: Bunq is a Dutch-licensed EU neobank offering multi-currency accounts and Mastercard debit cards via mobile app — directly comparable to Viabuy's IBAN account and app-based card management.
• Wise (TransferWise): Wise provides multi-currency accounts with local IBANs in multiple countries plus a debit Mastercard for international spending — closest direct competitor to Viabuy on the IBAN + multi-currency prepaid card bundle.
• Monese: Monese offers UK/EU digital current accounts with Mastercard debit cards targeting migrants and expats — same customer persona (EU residents needing banking alternative without credit checks) as Viabuy.
• Skrill: Skrill is an FCA-authorized e-money institution offering digital wallets with prepaid Mastercard, multi-currency accounts, and international money transfers — same e-money/prepaid Mastercard category as Viabuy.

Emerging players

• ecoPayz: ecoPayz is a FCA-authorized e-money account/prepaid Mastercard provider targeting consumers who want payment accounts without traditional banking — directly comparable e-money platform to Viabuy's IBAN-plus-prepaid-Mastercard model.

Broad incumbents

• PayPal: PayPal provides a broader e-money account and debit Mastercard in the US/UK plus digital wallet payments — overlapping with Viabuy on e-money account + Mastercard debit and mobile payments but with much broader product scope.

Regional players

• Nickel: Nickel is a French-licensed banking alternative offering accounts with Mastercard debit opened in tobacconist shops across Europe — comparable to Viabuy as an EU banking alternative, but distributed primarily through a French retail-agent network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/viabuy
• LinkedInlinkedin.com/company/viabuy-prepaid-mastercard

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Viabuy