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Personal Finances

Here you will find information for all Paysera clients – starting with instructions on how to use some of our services, and ending with special offers and important updates.

Invest €250, get €40 monthly? Red flags to watch for in 2025 investments

As inflation eats away at savings, it’s no surprise that more people are turning to investments in search of financial security. But with scammers growing more cunning by the day, how can you separate a legitimate opportunity from a well-disguised trap? In this blog post, we break down the most common tactics used by investment fraudsters and give you clear, actionable advice to help you spot red flags and protect your money.

July 2025 • 5 min

Egg-cellent ways to save money this Easter

Easter is a time for family, fun, and – of course – plenty of treats. But let’s be honest – it’s easy to overspend when caught up in the holiday spirit. At Paysera, we believe celebrations should be joyful, not followed by financial stress. That’s why we’re sharing a few simple tips to help you enjoy the season without breaking the bank.

April 2025 • 4 min

How to use Paysera ATMs?

The first Paysera ATM is up and running! But our ATMs are not like standard ATMs – you don’t need a payment card to use it, only the Paysera Super App. Understandably, you might have practical questions on how to withdraw and deposit cash. We’re here to answer all of them!

March 2025 • 3 min

How to leverage AI for financial literacy

Do financial concepts and terms intimidate you and seem difficult to understand? You don’t have to learn the old-fashioned way to truly understand how money works and how to manage it efficiently – AI can fasten your learning and make the knowledge last. We’re glad to share the whys and the hows so you can start applying it today.

March 2025 • 4 min

Why you should regularly update your financial apps

Have you ever wondered why updates for mobile apps are needed?And why do some apps get updates more often than others? There are many reasons for this, and what they have in common is that they’re all for your benefit. Some may even be crucial for your safety. We’ve prepared explanations for why you should regularly update your apps.

February 2025 • 3 min

Introducing AI Invoice scanning: how to use it for quicker payments?

What better way to kick off the year than by introducing an innovative feature designed to make life easier for our clients? We’re thrilled to introduce our new AI Invoice functionality – an exciting addition to the Paysera Super App. Let’s take a moment to discuss how you can start using it today. Spoiler alert: it’s remarkably simple!

January 2025 • 2 min

How to spot and avoid common holiday scams

The holiday season is here and you’re probably excited to share the holiday spirit with the people around you. But while you’re shopping for presents or donating to charities, it’s important to stay alert. Scammers often use the holiday spirit, excitement, or even stress to fool people. To help you protect yourself and your loved ones, we’re sharing practical tips on recognising and avoiding common holiday scams.

December 2024 • 5 min

How to track your expenses and save money?

We all have financial goals, whether it's buying a dream home, traveling the world, or preparing for unexpected expenses. Learning to track your expenses and budget effectively can make a huge difference in achieving these goals. You'll be amazed at how much more you can save with a strategic approach. We're here to share some valuable tips to help you get started!

June 2024 • 4 min

Considering Paysera for your child? Here's what you should know

It’s never too early to start teaching your child financial literacy and you’re probably wondering whether it's the right time to introduce practical money management tools. The good news is, your child can indeed have their own Paysera account! Keep reading to learn how to open a Paysera account for your child and which services they can use.

May 2024 • 4 min

How the Anti-Money Laundering department protects your finances behind the scenes

Yes, an email from the Anti-Money Laundering department might not scream 'fun and games'. But if you’re not doing anything illegal, believe it or not, you probably received it because we’re genuinely concerned about the safety of your finances and want to help. Let's talk about our Anti-Money Laundering (AML) department and how we're working tirelessly behind the scenes to protect all our clients from financial scammers.

January 2024 • 3 min

Things to remember while your Visa card's on its way

Congratulations on ordering your Visa payment card! We're sure you're eagerly waiting for it to arrive. While you wait, there are some key things to consider, like what to do if your card doesn't arrive on time, how to go about activating it once you do get it, and what safety measures you can take to protect your privacy. We've gathered all this information and more in this blog post, to help you navigate through the process effortlessly. Stay with us, and let's explore together.

December 2023 • 5 min

Mobile Security: essential tips for your protection

If we told someone 50 years ago that people in the future would have everything – from alarm clocks to all their finances – in a tiny device that fits into a palm, they probably wouldn’t have believed us. But here we are, and with so much sensitive information available on our mobile phones, it’s crucial to ensure its safety. Sit back and relax – we’re about to tell you how.

October 2023 • 5 min

Myth vs. Reality: the truth about investing

Investing is often misunderstood. Some view it as a suspiciously lucrative financial scheme, while others equate it to gambling. These misconceptions can deter many from promising financial opportunities, but investing doesn't need to appear daunting or risky. Let's dive in and bust these myths to help you gain a clearer understanding of it!

August 2023 • 3 min

How to change account limits on the Paysera account?

Looking to make large transactions or simply give yourself more financial flexibility? Changing your Paysera account limits is easier than you might think, whether you're a private client or a business client.

July 2023 • 3 min

Why should you consider investing?

Are you concerned about the impact of inflation on your hard-earned money? Are you interested in achieving financial independence and securing your future? Investing could be the key. In this blog post, we will explore the reasons why you should consider investing and how you can easily do it with a Paysera account.

July 2023 • 3 min.

Lost your Visa card? Here’s what to do

Lost your Visa card or suspect that someone may have gained access to your sensitive card information? Swift action is crucial to prevent any potential misuse. But there's no need to panic. We've got you covered with a concise action plan.

June 2023 • 2 min

Paysera transfers on hold? Here's what you need to know

Has a Paysera transfer been unexpectedly stopped, leaving you frustrated and confused? Stopped transfers can happen for a variety of reasons, ranging from mistyped details to compliance issues. In this blog post, we'll take a closer look at why Paysera transfers may be stopped and what possible solutions there are. So, let's dive in and make sense of this issue together.

May 2023 • 5 min

Looking to transfer money abroad? Here's what Paysera has to offer

In today's globalised world, it's common to move between countries for work or personal reasons, and with that comes the need to transfer money abroad. Whether you're a student studying abroad, a professional working overseas, or just someone wanting to send money to loved ones, Paysera has got you covered. Read on and let's find the best way for you to transfer money overseas.

April 2023 • 5min.

3 secure ways to make cash pickup transfers via Paysera

Sending money to loved ones in need shouldn't be a struggle, especially when they need it here and now. With Paysera, you can make money transfers so that the people you care about can collect it in cash pickups – quickly and securely, even if they don't have a bank account. In this blog post, we'll show you the 3 ways you can make cash pickup money transfers and guide you through each step along the way.

March 2023 • 3 min

How to protect your VIsa card information?

We all want to protect our Visa card information, for obvious reasons. But sometimes even the most careful people let their guard down and discover suspicious transfers made from their accounts. Situations like this are stressful, to put it lightly. The good news is that there’s always a way to prevent this from happening and even solve such situations. Whether you’re here for damage control instructions or tips for safety precautions, in this article you will find it all.

September 2022 • 7 min

How to split a bill on Paysera app?

Remember back when it took some head scratching and time to split a bill with your friends? Well, those days are gone now. Thank you, technology. Nowadays, all it takes is a few taps on the phone, and you don’t even need to calculate your share of the bill – Paysera's Split the bill feature does it all for you.

August 2022 • 3 min

How to save money when preparing for back-to-school shopping?

Ah yes, the school year is back. And it brought back-to-school shopping expenses along with it. Well, worry not! We understand the struggle – getting all the necessary school equipment without spending tons of money is a journey that every parent goes through. Every year.

August 2022 • 7 min

Top 5 financial scams: have you witnessed any of these?

Financial scams are becoming more and more sophisticated and more often than not, victims hand over their money to the scammers of their own will – no hacking or violence involved. Paysera, a leading payment gateway service provider in the Baltics and an international fintech for everyday finance management, is constantly educating its clients on how not to become a victim of fraud. Read about what the top 5 most popular tricks that scammers go for to get your money are.

July 2022 • 8 min

How to open a Paysera account?

Many people still think that opening a bank account is a long and complicated process involving queues, paper documents, and sometimes even fees. Well, it's nothing like that, if you are opening a Paysera account. The process is fast, convenient, and all online. Follow the steps below and open a new account FOR FREE on the same day.

June 2022 • 7 min

Most Googled questions about Paysera

Have you ever Googled anything about Paysera? Check if your question is amongst the most frequently asked ones online! And let us save you time. Get your answer straight from the Paysera team. Have you ever Googled anything about Paysera? Check if your question is amongst the most frequently asked ones online! And let us save you time. Get your answer straight from the Paysera team.

June 2022 • 3 min

How to avoid getting fooled by online scammers

April Fools’ or not – online scammers don’t joke around. At Paysera, we constantly try to educate our clients on how to stay cautious and avoid financial scams on a daily basis. In this blog, we share some practical tips that every Paysera user can take advantage of to protect their funds.

March 2022 • 4 min

10+ reasons why you should use Paysera

Can you remember the criteria for choosing your first bank? Did you choose the one your parents used? Or maybe you got your free card at school? But can you really consider it a choice? Let's take a look at the 10 most common reasons why people open an account with Paysera

March 2022 • 10 min

How to top up your Paysera account?

There are several different ways to top up your Paysera account in order to use it. From bringing in cash to sending money via a bank transfer – all of them are listed in this guide. Keep on reading to find out more.

January 2022 • 6 min

TOP 10 Valentine's Day gift ideas

While more and more people complain that Valentine's Day has become a commercial and outdated holiday, as February 14th approaches, many of us still decide to treat our loved ones at least symbolically. And since Paysera helps thousands of e-shops to accept online payments and because we see similar Valentine's Day shopping trends year after year, we're sharing our TOP 10 Valentine's Day gift ideas with you.

February 2022 • 5 min

Not using your Paysera account? This is how to close it

We are sorry to see you go. But if you must – this is how you can close your Paysera account and the actions you should take prior to that.

January 2022 • 6 min

Four million euros worth of gold sold via Paysera

Last year, Paysera introduced the possibility to buy, send, and sell back real physical investment gold via the Paysera app to all its users. Since then – 4 million euros worth of gold was purchased via the app, making it not only a great means to store fiat money but also an authentic and timeless gift.

December 2021 • 2 min

How to be your own accountant? 5 tips for better money management

On the 10th of November, we celebrate International Accounting Day. However, for many of us – we need to be our own accountants most of the time. Therefore, we decided to share a few tips that make financial management easier on a daily basis!

2021 November • 2 min

How to send money to Poland? Step by step guide

Due to Poland’s local currency, zloty, many people and businesses trading with this country try to find the best ways to transfer money without losing neither funds nor time. Many people send money to Poland via Paysera which, thanks to local partners, can provide not only good currency exchange rates from euro to zloty but also fast and effortless payments. In this text, we will take a deeper look at how to make such transfers.

October 2021 • 2 min

How to save money on online currency exchange?

For many, the idea of exchanging currency is associated with losses, fees, and seeing a much better rate just around the corner when it’s too late. But it doesn’t have to be that way! Exchanging currency online can save you time, money, and hassle. Let’s have a look at what Paysera has to offer.

September 2021 • 2 min

Which delivery type to choose for the Visa card?

When ordering the Visa card, you can choose among different delivery options which may vary depending on where you live. Usually, it is regular delivery by post, tracked delivery by post, and courier delivery via a private company, such as TNT. So, which one should you go for?

August 2021 • 2 min

What is a SWIFT (BIC) code?

A SWIFT code (Society for Worldwide Interbank Financial Telecommunication) is a code used to identify a money recipient’s country, bank, and bank branch where the account is registered. Paysera's SWIFT code is EVIULT2VXXX and it’s the same for every client of Paysera. This code is often requested when making an international transfer and in this blog post, we explain why that is.

2021 August • 2 min

How to get the Visa card? All questions answered!

Paysera is proud to provide its clients with payment cards that are contactless, compatible with Google Pay and Apple Pay, and can be used all over the world. In this blog post, we explain how to get the Visa card, and answer some of the most common questions about it.

August 2021 • 3 min

Is it safe to pay online via your bank?

Many of us have been in the situation where you start tapping your pockets and fearing for your payment card to be lost or stolen. Cases when fraudsters buy something online or in physical stores using stolen cards or card details are rare but not impossible. Online banking, however, seems to be one of the safest ways to pay for your purchases in e-shops. All the login details are in your head and often it requires extra confirmations received via SMS or code generator apps.

July 2021 • 4 min

Joint account for couples – the next step in your relationship

How to share expenses without those awkward money reminders? Read about joint accounts for couples, electronic money requests, and other ways to manage family finances in the early stages of a relationship.

February 2021 • 3 min

What is a SEPA payment? Difference between SEPA and SEPA Instant

All you need to know about SEPA and SEPA Instant payments: What is it? How long do they take? What are the fees for SEPA and SEPA Instant transfers?

January 2021 • 4 min

New Year’s resolutions: How to save money – the 50/30/20 rule

One of the most common New Year’s resolutions is better management of personal finances. With the 2021 coming, we would like to share with you some advice on how to save money applying the 50/30/20 rule.

December 2020 • 5 min

What is inflation and how to protect your money?

Inflation is happening constantly, everywhere, and affects everybody. Increasing prices of goods and decreasing purchasing power of money push companies and regular people to look for different ways to protect their money from losing its value. While some choose to invest, others go for safer alternatives.

November 2020 • 4 min

Protect your money – go for gold!

A cup of coffee in the 1970s was 20 cents, today – it’s EUR 1.50. Meanwhile, an ounce of gold in the 1970s was EUR 200, today – it’s more than 8 times that price. What do these two commodities have in common, you may wonder? Inflation.

November 2020 • 2 min

What is an IBAN and how to find it?

IBAN is one of the most commonly used numbers in the banking sector. Whether you want to send money or receive it – you will almost certainly use an IBAN. However, do you actually know what an IBAN is?

November 2020 • 3 min

Gold purity, fineness, and karat – what is it and how to check it?

What do numbers describing gold purity mean? What is the difference between karats and fineness? Can you find 100 per cent gold? And how do you check the fineness of gold?

October 2020 • 4 min

Go for GOLD! Buy gold online via Paysera

Gold trading has been circulating in the news for the last few months now. Its price increases daily and its sales go up due to fears of an economic crisis. That’s why we are even happier to introduce to all our clients the ability to buy gold online.

September 2020 • 5 min

Why is my Paysera account blocked or restricted?

We often see people discussing this topic in various forums as well as on social media, so we decided to give you some insights on why some people find their Paysera account blocked or restricted.

August 2020 • 9 min

How to recognise scammers and protect your money?

Modern scammers can sound or look very professional – they can speak politely, know your name, and even wish you a nice day after ripping you off. But don’t let them fool you! Paysera consultants would never ask you to disclose any sensitive data, such as your card PIN code, CVV code, card number and expiry date, or login details. If you receive such a request – this is the first sign that you are facing a financial scammer.

June 2020 • 4 min