C2Bank's

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Frequently Ask Questions

C2Bank’s is a modern bank account alternative for individuals and businesses.

Our services for individual users include dedicated European IBAN accounts with support for SEPA transfers. Our clients are also able to enjoy SWIFT transfers, Visa debit cards, and the C2Bank’s mobile app, designed to make their everyday financial operations a comfortable experience.

For businesses, C2Bank’s offers a diverse selection of solutions, including SWIFT and SEPA payments for market players in various industries and geographical locations, as well as corporate Visa cards. We accept clients operating in digital sectors such as eCommerce, cryptocurrency, trading, hosting, IT, online gaming, VOIP, affiliates, consulting, and others.

C2Bank’s offers a wide range of benefits to both individual and corporate clients. Users from all around the world can take advantage of dedicated European IBAN accounts and SEPA transfer infrastructure.

Additionally, for many personal account users, incoming and outgoing SEPA operations are free of charge. You can view the complete personal account pricing schedule here.

Corporate account holders also enjoy numerous advantages. Business accounts at C2Bank’s feature a favorable pricing structure for SWIFT and SEPA transfers, low maintenance costs, and competitive currency exchange rates.

To ensure a seamless user experience, C2Bank’s provides 24/7 live customer support. Our dedicated support team is always available to resolve any issues and assist you in making the most of our services.

C2Bank’s is a financial solution built for the clients of the new digital banking era. Unlike traditional banks, C2Bank’s services are fully crypto-friendly — we accept payments to and from cryptocurrency exchanges. Moreover, our clients are welcome to receive funds from affiliate programs and commercial online activities.

We also provide corporate account services tailored for digital businesses — a sector long underserved by conventional banking institutions. With extensive experience in the digital economy, C2Bank’s combines innovation and industry expertise to deliver a truly modern banking solution for corporate clients.

C2Bank’s solutions are available in most countries worldwide. However, we do not provide services to clients from Belarus, Iran, North Korea, Russia, or any unrecognized or fictional jurisdictions.

Furthermore, the services described on this website are not offered in the United States or in any other jurisdiction where such services may be considered restricted or prohibited. By choosing to access this website, you do so at your own initiative and assume full responsibility for compliance with all applicable laws, rules, and regulations relevant to your location.

Creating a business account at C2Bank’s is simple and straightforward:

1. Application – To open your C2Bank’s business account, fill out the application form. Provide the basic details about yourself and the company you represent.

2. Questionnaire – After submitting your application, you will receive an email containing a link to the KYB (Know Your Business) verification questionnaire. Completing this step is required to proceed further.

3. Documents – Once the questionnaire is completed, our compliance team will contact you to request any additional documents or information needed to finalize your verification.

That’s it! Our team will review your submission, and once approved, your C2Bank’s business account will be activated and ready to use.

C2Bank’s offers a high level of flexibility to its clients. Corporate account users can choose between three tailored pricing plans designed to meet the specific needs of their businesses.

Business Plan  Ideal for companies operating in traditional industries within the EEA and the United Kingdom.

Business+ Plan – Best suited for companies in high-risk sectors or those registered outside the EEA, providing greater flexibility and global payment capabilities.

Crypto Exchange Account  Specifically designed for companies in the blockchain sector, including crypto exchanges, brokerages, mining operations, and DeFi projects. With years of experience in the cryptocurrency industry, C2Bank’s delivers reliable, compliant, and innovative banking solutions for digital finance businesses.

In addition, C2Bank’s provides merchant tools and payment gateways that enable you to accept payments from your clients directly, not only through your business account but also via secure online checkout and integration options — empowering your company to get paid faster and easier.

Yes, C2Bank’s is a fully crypto-friendly financial solution. Our Crypto Exchange Account Plan is designed specifically for businesses operating in the blockchain industry — whether you run an exchange, brokerage, mining operation, or any other crypto-related activity.

With extensive experience in the blockchain and digital asset markets, C2Bank’s has developed a comprehensive banking solution tailored to meet the unique needs of crypto-driven enterprises, offering secure infrastructure, seamless fiat-to-crypto integration, and trusted global payment support.

High-Risk Industries

C2Bank’s classifies the following sectors as high-risk industries. Applications from companies operating in these fields may be subject to enhanced due diligence and additional verification requirements:

  • Activities involving art, cultural artifacts, or other items of archaeological, historical, cultural, or religious importance, as well as ivory and protected species

  • Trade or activities related to ferrous, non-ferrous, and precious metals, stones, and jewelry

  • Virtual currencies and blockchain-related services

  • Audit and accounting services

  • Aviation industry and related operations

  • Charity and non-profit organizations

  • Chemical industry

  • Currency exchange and money transfer activities

  • Extraction of natural resources

  • Gambling, betting, and lotteries

  • Holding companies and investment structures

  • Insurance services

  • Issuance of electronic money (EMI)

  • Legal and consulting services

  • Nuclear energy and related industries

  • Auction organization and operation

  • Financial and payment services providers

  • Pharmaceutical business and related trade

  • Professional sports teams and clubs

  • Public administration and national defense sectors

  • Telecommunications

  • Trade in arms and ammunition

  • Trade in oil products

C2Bank’s considers the following sectors as high-risk industries and may restrict or refuse services to entities engaged in these activities:

  • Shell banks

  • Non-account holders/customers

  • Arms, defense, and military activities

  • Illicit trade of tobacco, alcohol, prescription drugs, steroids, or firearms

  • Red-light businesses, adult entertainment, drug or human trafficking

  • Unlicensed or illegal gambling, lotteries, or gaming software

  • Pyramid or Ponzi schemes

  • Sale or distribution of government IDs or official documents

  • Production or sale of replicas and counterfeit goods

Additionally, C2Bank’s services are not available for companies that:

  • Require but do not hold the necessary licenses or authorizations to operate in their jurisdiction

  • Violate any applicable law, statute, ordinance, or regulation

  • Encourage, promote, facilitate, or instruct others to engage in illegal activity

  • Promote or incite hate, violence, racism, or religious persecution

  • Engage in bribery, corruption, or high-yield financial investment schemes (including “get-rich-quick” programs)

Yes, C2Bank’s can provide business accounts for authorised capital deposits. These accounts are essential for companies that wish to establish a new corporate entity in a different jurisdiction.

Our team can also issue official statements to governmental or regulatory institutions in the required jurisdiction, confirming your authorised capital holdings. For your convenience, C2Bank’s can manage translation, legalization, and postage procedures to ensure a smooth and compliant process.

If you would like to open a corporate account for authorized capital deposits, our support team will guide you through the verification and documentation steps required for approval.

At C2Bank’s, we offer an advanced layer of customization and control for managing business accounts. Account administrators can easily manage user access to IBAN accounts, set payment limits, and grant or revoke administrative privileges as needed.

This functionality is especially valuable for companies with multiple team members handling different responsibilities. Each user can be assigned specific permissions, ensuring access only to the tools necessary for their role. For example, you can set up dual payment authorization, allowing an accountant to create a payment that requires CEO approval before execution — enhancing both security and operational efficiency.

Please note that user rights and limits can only be modified by account holders with administrator privileges.

💳 Transaction Limits

At C2Banks, there are no limits on deposits or incoming transactions for personal accounts. Outgoing transactions are also unlimited for personal users.

For business accounts receiving payments from third parties, the daily incoming limit is €50,000. Need a higher limit? Contact us at business@c2banks.com.

C2Banks does not have any limits on clients’ operations. However, standard operational limits are set for security reasons.

  • Personal accounts: Standard withdrawal limits are €100,000 per single withdrawal, €250,000 per day, and €500,000 per month.

  • Business accounts: Standard withdrawal limits are €50,000 per single withdrawal, €100,000 per day, and €500,000 per month.

The basic limit is visible in your personal dashboard for easy reference.

C2Banks offers a competitive fee schedule for all clients.

  • Personal accounts: Most services are free of charge. Full pricing details can be found in your product gallery on your dashboard.

  • Business accounts: Enjoy low-cost SEPA and SWIFT transfers along with other services. Full business pricing is available in your product gallery on your dashboard.

Charges vary by account type and product, but C2Banks consistently offers some of the lowest rates in the market.

At C2Banks, your account is protected with multiple cybersecurity measures, including multi-factor authentication.

Funds held in your account are electronic money safeguarded by an Electronic Money Institution (EMI). This means your money is fully backed by liquid assets  cash, its equivalents (short-term bank deposits), or highly liquid bonds  and is segregated from the institution’s own funds.

This model adds an extra layer of security. In the unlikely event of the institution becoming insolvent, clients can still recover their funds safely.

🔐 Two-Factor Authentication

At C2Banks, two-factor authentication (2FA) is always enabled to ensure the security of your account.

Currently, we use in-app authorization and SMS as 2FA methods. Every time you log in or make a payment, you confirm the activity by entering a passcode from the C2Banks app or a code sent to your mobile device.

C2Banks fully complies with Hong Kong’s Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations. These rules ensure that our products and services are not used for illegal activities, such as money laundering, terrorism financing, or fraud.

We may pause or refuse transactions if we cannot verify the nature of the payment, understand the customer’s activity, or if the source of funds is unclear or information is incomplete.

To comply with regulations, we collect and regularly verify customer information about payment habits, sources of funds, and account activity. Customers are periodically asked to update their information and provide supporting documents.

Key regulatory framework in Hong Kong:

  • Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO)

  • Relevant Hong Kong Monetary Authority (HKMA) guidelines

  • International sanctions laws and regulations

📝 Know Your Customer (KYC)

As a regulated financial institution, C2Banks is required by law to implement Know Your Customer (KYC) measures. This means we collect information to understand your account activity, payment habits, and sources of funds, and to detect any unusual or suspicious transactions.

Customer information is verified and updated regularly, so you may be asked from time to time to provide or update KYC details and supporting documents.

🏦 How to Open an Account

Opening an account at C2Banks is quick and simple:

  1. Go to the signup page and select the type of account (personal or business).

  2. Fill in your details in the signup form.

  3. Follow the instructions to confirm your email address.

  4. Verify your identity by submitting the required documents.

Once verified, you can order your IBAN from the IBAN gallery, which offers multiple IBANs in different locations. Please note that IBAN issuance is not instant  it can take from 1 hour to 1 week, depending on your documentation and whether the account is personal or business.

After your IBAN is active, your C2Banks account is fully operational, ready for payments, card usage, and other banking services.

👤 Personal vs. Business Accounts

The main difference between Personal and Business accounts at C2Banks is the type of users they serve:

  • Personal accounts are designed for individual clients, ideal for everyday payments, transfers, and personal banking needs.

  • Business accounts are tailored for companies of all sizes and industries, offering solutions for payroll, client payments, merchant services, and corporate banking operations.

✅ Account Verification

To verify your C2Banks account:

  1. Log in to your account and click the “Start Verification” button.

  2. Complete the verification process, which includes:

    • Uploading a photo of your identity document

    • Taking a selfie

    • Filling out the client questionnaire

Additional information may be requested after submission. Once your verification is complete, you will gain full access to C2Banks services.

  • Personal accounts: Verification can take from a few minutes to a few days, depending on whether your documents are clear or if we have additional questions.

  • Business accounts: Verification is usually similar but may take longer. In some cases, we may request additional information or even schedule a call to understand the business nature and goals.

Accept payments from your clients easily and securely with your business account:

Card Payments:

  • Accept credit and debit cards

  • Process recurring payments

  • Make Original Credit Transactions (OCT)

Bank Payments:

  • Instant internal and SEPA transfers

  • International SWIFT payments in 14+ currencies, including EUR, USD, GBP, and AED

  • Mass payments via import or API

Crypto Payments:

  • Accept BTC, ETH, USDT, USDC, and other cryptocurrencies

  • Settle in crypto or fiat directly to your account

Easy Integration & Fast Settlements:

  • Integrate via API or e-commerce plugins like WooCommerce

  • Receive settlements in 14+ currencies

  • Full control of your funds and start collecting payments immediately

Note: This account is only available for business use.