Available online and at Moneytrans branches

Smile to the first account that takes you into account

No hidden fees, no hassle! An account that makes your life easier – the first account that takes you into account!

Need help to open your Smile Account?

Discover the bank-free account designed for international communities

*Minimum initial deposit of 5€ for the first international money transfer

Easy to open, easy to use

5 minutes and it’s yours! Because with the Smile Account we only ask you for what is really needed, and you have it at hand! Open your account now with your ID card or passport and take control of your money!
Identity document
Proof of residence
Mobile phone and e-mail
Initial deposit

An account for your daily transactions

Send and receive money

Deposit and withdraw cash

Make direct debit deposits

Pay bills *

Mobile top-ups *

Health insurance *

* Coming soon

25% off your money transfers fees

Having a Smile account pays off. If you already have an account and want to transfer money abroad, you will always receive a fixed 25% discount on the money transfer fee.

Enjoy a free Mastercard

When you open this current account, you will receive a free Mastercard that is accepted worldwide – you can carry it with you and use it in shops, online and at ATMs or partner agencies! The more you use it, the more rewards you unlock! Discover more benefits of having a Mastercard!

One place for your cash

Deposit and withdraw cash instantly at ATMs or at any one of our partner agencies with more than 3,000 branches throughout Europe.

Take control of your finances

With the Smile Account you have full control of your own finances! By managing your finances in a single account, you save time and money Transactions or checking your balance can be done in a single click. Giving you more time to enjoy the things you love most!

An account with the security of a bank but wihout

With no hidden charges

With no slowness or complication

Without direct debit of salary

3 times more economical

Ready to be part of the Smile Community?

Trusted by 10 million families all over the word. We move over $6 billion every month and save individuals and businesses $3 million in hidden fees every day.

A three times safer bank-free account

Entity regulated and authorized by he National Bank of Belgium

Payment system verified by Mastercard & VISA

Advanced anti-fraud protection and data encryption technology

Entity regulated and authorized by the National Bank of Belgium

Payment system verified by Mastercard

Advanced anti-fraud protection and data encryption technology

More than just an account

This bank-free account will help enable financial inclusion for millions of citizens living abroad. Unlike traditional bank accounts, Moneytrans is specifically designed for communities of foreign origin by creating a simple and accessible account for  everyone.  An account that answers all your financial needs in one place, making life that little bit easier.


Opening a Smile Account is really easy, and it’s free! Here’s how to do it:

On your web and mobile client space, through which you can consult and manage your account from A to Z, accessible via our web page: www.moneytrans.eu If you have opened your Smile account in one of our branches, ask for your client number in order to easily create your Moneytrans user account.

You will find all the data previously encoded in the agency. After having clicked on the “Registration” button, click on “Register with customer code”, insert your “customer number”, your “date of birth” and find all your data.

When you open your Smile Account, you’ll have access to a Mastercard debit card completely free of charge. It will be sent to your home within 5 to 10 days of opening your account. The card and pin are sent separately

If your Mastercard debit card is lost or stolen, you can block it instantly from the app with a single click to ensure that no one can use it. You can select the “temporarily block card” option to unblock it at any time, or the “permanently block card” option and request a new card via the “replace card” option.

You can also request a new card by calling our Customer Service, as well as if you want to change your personal details, address or telephone number.

With the Smile Account you can send and receive payments with no hassle. You can do all this on our online platform. Find out how to manage your personal area here!

If you want to transfer money into your account, you can do it online or at one of our authorised offices.

What’s more, you can withdraw cash from your account at any of our offices.

This is not a fee: this initial amount is required for the issuance of your card but will not be deducted from your account. You can then spend this amount as you wish.

Deposit of money

You will receive your PIN code and your Mastercard in two separate envelopes within approximately 12 working days. If after this time you still have not received them, please do not hesitate to contact us. If you have any questions, please contact us Monday to Saturday day from 9.00am to 22.00pm and Monday from 12.00pm to 20.00pm by phone on 951 01 55 01 or by email: [email protected]

Moneytrans Payment Services is a Payment Institution authorised by the National Bank of Belgium to offer payment account services (Smile Account). As we are not a bank, we are not backed by the deposit guarantee fund. Consequently, Moneytrans protects the funds of the Smile Accounts by depositing them in a Safeguard Account with ING Bank. This Safeguard Account separates customer funds from other company funds and is segregated, which means that ING cannot collect other debts from the balance in this account.

The only way to check your balance is by creating an Moneytrans user account. If you have any difficulties in doing so, please do not hesitate to contact our Customer Service team.

To activate your card, you will need to make a purchase via a contact terminal or a cash machine withdrawal. You can then start using your card to make online or contactless payments.

Activation Debit Mastercard

To open your Smile Account you have to be registered on our website. In addition to your personal details, we need you to attach a photo of your identity document and proof of your address. And that’s it! At Moneytrans we make things easy for you. To find out how to do it, click here

If you’ve already registered, you don’t need to do this! Simply start a session and apply for your Smile Account in your personal area.

Certain purchases on the Internet, you must enter a security code to validate and finalise your transaction. As soon as you open your Smile account, we will instantly send you this code by SMS. Please keep this code in a safe place so that you can make your payments online as soon as you receive your Smile card. You will be able to modify this code via your customer area afterwards.

3D Secure Compte Smile

A bank, internet provider, gym - you name it - doesn’t accept your IBAN and insists you need a ‘local bank account’? While that may seem legit, it’s illegal. It’s called IBAN discrimination, and it’s against the law.

Report your case of IBAN discrimination, and we will pass them on to the relevant authorities, saving you the hassle.

We’re here to put an end to this.

IBAN discrimination is when a bank or company doesn’t accept your IBAN because it’s not from the same country in which the bank or company is based.

For example, French IBANs look like this: FRXX XXXX XXXX, and instead, a German bank or company may insist you need a German IBAN which looks like this: DEXX XXXX XXXX, etc.

Let’s say you want to pay for your gym membership in Spain using your German IBAN: your Spanish gym would be guilty of IBAN discrimination if they didn’t accept your non-Spanish account number.

Your account number, regardless of which EU country it’s from, should be accepted anywhere in the European Union. Your provider is breaking the law if they don’t accept your IBAN. Report your case, so we can stop it from happening again. All cases of IBAN discrimination submitted through this form will be anonymised. All personally identifiable information will be removed.

You can do it in two ways: by going to your nearest authorised Moneytrans branch, where an agent will help you transfer the cash to your account, or via the app or website.

Deposit money

Contact us


Your questions are 7/7 and so are we

Get in touch with our 7-day support team that speaks your language whenever you need it. Contact us by phone, email, chat, social media or visit us in one of our 3000 agencies in Europe. You will always find our best smile.

Rejoignez la révolution Smile

Laissez-nous vos coordonnées et un conseiller commercial vous contactera dans les plus brefs délais dans votre langue pour vous assister.

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Dimanche : 12h00 – 20h00

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Opening hours:
Monday – Saturday: 9am – 10pm
Sunday: 12pm – 8pm