The payment card for people with banking restrictions

Refused by banks or facing banking restrictions? Veritas stays open to you: an account, an IBAN and a card, with no income requirements.

Open my account → from €12/year · no commitment

Understanding banking restrictions

The essentials to see clearly, without the jargon.

What are banking restrictions?

Measures or records that limit a person's access to standard banking services, often following payment incidents or unpaid debts.

Why are people refused?

Unpaid debts, payment incidents or a negative credit record can lead a bank to refuse, close or restrict an account.

You keep a means of payment

Even with banking restrictions, a prepaid solution lets you keep paying, withdrawing and receiving money.

Open to all

An account, even if you've been refused

The Veritas card works like an account, with no overdraft possible: you only spend the money you load, so there is no risk of a new incident.

No income requirements, no check on your banking situation

Dedicated IBAN included to receive and send money

No overdraft, so no overdraft fees

Open in 5 minutes, 100% online

Open my account →

Frequently asked questions

If a bank has refused to open or has closed your account, or if you appear in a credit or payment-incident register, you may be subject to banking restrictions. Your bank must inform you of any incident.

Often difficulty accessing certain standard banking services, and sometimes restrictions on specific payment methods, for the duration of the record.

Keep enough funds before making a payment, monitor your balance regularly, and if you run into difficulty, contact your bank quickly to find a solution.

Yes. The Veritas card is available with no income requirements and no check on your banking situation: you get an account, an IBAN and a card, even with banking restrictions.

General information provided for guidance only. Veritas is not a bank and does not issue a traditional bank card.