With the COMMITLY Account and COMMITLY Cards, you can manage your business banking directly inside COMMITLY – fully integrated into your liquidity planning and cashflow.
COMMITLY Accounts & Cards give you:
A full business bank account directly in COMMITLY
Virtual IBANs for clear payment allocation
Virtual & physical company cards for your entire team
Full control over limits and permissions
Instant cashflow integration for complete visibility
Receipt management directly on card payments
Via the activation banner in the app, you can open a real business bank account with COMMITLY, including:
A German IBAN
Any number of virtual IBANs
Modern online banking directly inside COMMITLY
Virtual IBANs – perfect for structure & allocation
Virtual IBANs can be created flexibly and used for various purposes, such as:
Separating income by customer, project, or location
Assigning one IBAN per rental unit
Clearly identifying incoming payments
Increasing transparency across all transactions
All movements on virtual IBANs flow into your COMMITLY Account and are visible instantly in your cashflow.
COMMITLY Company Cards – flexible for your team
With COMMITLY, you can issue as many company cards as you need:
Virtual cards (available instantly)
Physical cards (for in-person payments)
You can assign cards to employees and manage them centrally.
For each card, you can:
Set spending limits
Define time periods (e.g., monthly)
Activate/deactivate cards
Track payments in real time
Fully integrated into your cashflow
Every card payment appears immediately in the COMMITLY cashflow – with no delays or manual imports.
You can:
Categorize transactions as usual
Upload receipts directly to card payments
Keep cashflow and reports updated automatically
No more receipt chaos – everything stays organized and connected in a single place.
Overview of Our Pricing
The scope and pricing of the COMMITLY Account & Card add-on are based on the active COMMITLY edition.
You can find further details, including any additional promotions, here:
--> Pricing of the COMMITLY Account & Card add-on.
Additional Fees When Using COMMITLY Account & Card
Standard banking transactions within the SEPA area, such as transfers, are free of charge.
However, when using COMMITLY Account & Card, additional fees may apply for certain banking services. These fees are charged directly by our partner Swan within the banking interface.
Functions | Fees |
Physical debit card (optional) | Price according to selected |
Virtual debit card (Apple/Google Pay) | 0 € |
Scheduled transfers | 0 € |
Standing orders | 0 € |
Domestic transfers (incoming + outgoing) | 0 € |
Transfers (incoming + outgoing) within the SEPA zone (see below) | 0 € |
Instant transfers | 0 € |
ATM withdrawals within the SEPA zone | 1 € |
Non-EUR transfers (see full list below) | 5 € + 0,6-5% of the amount |
ATM withdrawals outside the SEPA zone | 2% of the withdrawn amount |
Rejected SEPA direct debit | 10 € |
Payments for goods and services in currencies other than EUR | 2% of the paid amount |
Receiving an online payment with a commercial card issued in the European Economic Area | 0.25 € /Transaction + 2.5% of the transaction amount |
Receiving an online payment with a consumer card issued in the European Economic Area | 0.25 € /Transaction + 1.2% of the transaction amount |
Receiving an online payment with a commercial or consumer card issued outside the European Economic Area | 0.25 € /Transaction + 2.9% of the transaction amount |
Chargeback for an online card transaction | 20 € |
Cheque deposit | 2 € per cheque |
Returned cheque | 2 € per cheque |
Rejected cheque | 2 € per cheque |
Account confirmation letter issued by Swan for a legal entity | 45 € |
Issuance of documents | 20 € per issued document |
Processing of judicial or administrative seizures or garnishment orders | An amount equal to 10% of the garnishment order, up to a maximum of €100 per case |
Misuse of the account (attempted or actual actions that violate the law or the account agreement) | 150 € |
Processing fees for managing an unauthorised overdraft | € 8 per transaction, |
Countries within the SEPA zone
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, the United Kingdom, San Marino, Vatican City, Andorra, Monaco, Iceland, Norway, and Liechtenstein.
Fees for incoming and outgoing transfers in foreign currencies (coming soon)
Currency | Fees |
PLN, HRK, HUF, CZK, RON, DKK, | 5€ + 0.6% |
KES, PKR, MXN, INR, VND, MYR, | 5€ + 1% |
UGX, ARS, NPR, EGP, TZS, BRL, | 5€ + 2% |
BWP, UYU, FJD, COP, MAD, CRC, | 5€ + 5% |