How to open a EUR bank account in the UK for European clients
If you’re a freelancer or remote worker with international clients, you’ve probably faced the hassle of receiving payments in different currencies.
Converting euros to pounds every time can be costly and inconvenient. That’s where a EUR bank account in the UK comes in handy.
With a euro account, you can receive payments from European clients, hold funds in EUR, and avoid unnecessary conversion fees.
The good news? You don’t need to rely on traditional banks—digital providers like Ohentpay offer flexible, multi-currency solutions tailored for freelancers and businesses.
In this guide, we’ll walk you through how to open a EUR account in the UK, compare the best options, and explore how Ohentpay can simplify international transactions for you.
What is a EUR account, and can Europeans still open one in the UK?
A EUR account is a bank account that holds money in euros instead of British pounds (GBP).
Unlike a regular UK account, which converts all EUR payments into GBP, a euro account lets you send, receive, and hold euros without worrying about conversion fees or exchange rate fluctuations.
This is especially useful for freelancers working with European clients, frequent travelers, and businesses dealing with international payments.
However, some banks charge monthly fees or transaction costs, so it's important to compare options before choosing the best one.
How does it work?
Opening a EUR bank account in the UK gives you account details similar to those of a European bank.
This means clients can pay you in EUR directly, just as if you had an account in the EU.
Depending on the provider, you may get a linked debit card for spending in euros, international transfer options, and multi-currency features.
Some banks require you to also have a GBP account with them, while fintech providers like Ohentpay offer standalone EUR accounts with lower fees and better exchange rates.
Can Europeans still open a EUR account in the UK?
Yes, but options have changed since Brexit. While many UK high-street banks have made it harder for non-residents to open accounts, digital banks and fintech companies like Ohentpay still welcome European clients.
These platforms offer a faster, more flexible alternative with online applications, no residency restrictions, and competitive international transfer rates.
Whether you're a freelancer, business owner, or expat, a EUR account in the UK can help you manage your money seamlessly across borders.
Types of EUR bank accounts available
There are two main types of EUR bank accounts available in the UK:
- Traditional banks – These are well-established, high-street banks that offer EUR accounts with comprehensive financial services.
They typically provide stability, in-person banking options, and extensive customer support. However, they may have higher fees and eligibility requirements.
- Challenger banks & Fintechs – These digital-first banks and financial technology companies offer innovative EUR account solutions.
They are known for low fees, seamless app-based management, and international transaction support.
However, they may have limitations such as no physical branches and restrictions on certain types of payments.
How to open a Euro (EUR) account in the UK for a European client
Opening a EUR bank account in the UK is a straightforward process, but the steps may vary depending on the bank or financial provider. Here’s a step-by-step guide:
1. Choose the right EUR bank account
Before opening an account, compare different EUR account options based on:
- Fees – Check for monthly maintenance fees, transaction fees, and exchange rate charges.
- Eligibility requirements – Some banks require you to hold a GBP account before opening a EUR account.
- Features – Consider whether the account comes with a debit card, offers free international transfers, or integrates with digital wallets.
2. Check eligibility requirements
Most banks and financial providers have eligibility criteria, such as:
- Residency status (some accounts may require UK residency, while others accept non-residents).
- Having a UK-based GBP account with the provider.
- Minimum balance requirements (for premium accounts).
- Apply for the account
Once you’ve chosen the best EUR account, you can apply through:
- Online banking or mobile app – Many digital banks and fintech providers allow online applications.
- In-branch application – Traditional banks like HSBC, Lloyds, or Barclays may require an in-person visit.
- Phone application – Some banks allow applications via customer service calls.
- Provide personal details & contact information
During the application process, the provider will request:
- Full name
- Date of birth
- Residential address
- Contact details (email and phone number)
- Verify your identity
To comply with anti-money laundering (AML) regulations, banks require identity verification. You may need to provide:
- A valid passport or national ID card (for European clients).
- Proof of address, such as a utility bill, rental agreement, or bank statement.
- Additional documentation, if required (such as proof of income or tax residency status).
6.Wait for approval & account confirmation
After submitting your application and verifying your identity, the bank will review and approve the account.
This process may take anywhere from a few hours (for digital banks) to several days (for traditional banks). You’ll receive an email or letter confirming the account details.
7. Fund your EUR account
Once your account is active, you can deposit funds using:
- A bank transfer from another EUR account.
- Currency exchange from your GBP account.
- An international money transfer service.
Managing your money in Euros with OhentPay
If you need a reliable way to send, receive, and manage euros in the UK, OhentPay offers a seamless and cost-effective solution.
With a user-friendly platform designed for both individuals and businesses, OhentPay simplifies international transactions while keeping fees low and transparent.
Why choose OhentPay?
- Easy and fast account setup – Open a EUR account online with minimal paperwork.
- Multi-currency support – Send and receive payments in EUR, GBP, and other currencies effortlessly.
- Low and transparent fees – No hidden charges, ensuring cost-effective transactions.
- Competitive exchange rates – Get fair and competitive rates without unnecessary markups.
- Secure and reliable transfers – Advanced security features protect your funds and personal information.
With OhentPay, you can efficiently manage your euro transactions without the high costs and complexities of traditional banks.
Whether you're sending money abroad, receiving international payments, or converting between currencies, OhentPay ensures a smooth and secure experience.
