# Satchel

> Satchel is a licensed Lithuanian Electronic Money Institution (EMI) operating in the EU. It provides SEPA and SWIFT accounts, payment cards, white-label and embedded-finance infrastructure for businesses and individuals globally. Satchel is a financial institution and payment service provider, not a bank.

---

## Start Here

- [Satchel home](https://satchel.eu/): Overview of accounts, cards, and payment services for businesses and individuals.
- [About us](https://satchel.eu/about-us/): Who Satchel is, and company background.
- [Security](https://satchel.eu/security/): How Satchel protects accounts, funds, and data.
- [FAQ](https://satchel.eu/faq/): Answers to common questions about accounts, payments, cards, and login.
- [Contact us](https://satchel.eu/contact-us/): Ways to reach Satchel's support and sales teams.

---

## Personal Accounts

- [Personal accounts](https://satchel.eu/personal/): SEPA, SWIFT and cards for individuals.
- [Accounts for freelancers](https://satchel.eu/freelancer/): Account for freelancers and sole traders.
- [Satchel app](https://satchel.eu/satchel-app/): Mobile app for managing accounts, cards, and transfers.

---

## Business Accounts

- [Business accounts](https://satchel.eu/business/): Corporate SEPA, multi-currency accounts and payment tools for EU and Non-EU businesses.
- [Unique IBAN](https://satchel.eu/unique-iban/): Unique SEPA IBAN and Dedicated SEPA IBANs
- [SEPA Instant transfers](https://satchel.eu/sepa-instant-transfers/): Real-time euro transfers across the SEPA zone.

---

## Cards

- [Payment cards](https://satchel.eu/payment-cards/): Prepaid cards for personal and business accounts.
- [White-Label Cards](https://satchel.eu/cards-white-label/): Cards issued under Satchel's license and infrastructure, branded by partners.

---

## Partners, White-Label, and Embedded Finance

- [Banking-as-a-Service](https://satchel.eu/banking-as-a-service/): Embedded-finance infrastructure under Satchel's EMI licence, with partner branding.
- [Payment infrastructure](https://satchel.eu/payment-infrastructure/): Infrastructure for payments.
- [API](https://satchel.eu/api/): Programmatic access to Satchel accounts and payments.
- [Partnership](https://satchel.eu/partnership/): Partnership models and how to work with Satchel.

---

## Fees and Limits

- [Fees](https://satchel.eu/fees/): Pricing for accounts, transfers, and cards.

---

## Help Topics

- [General information](https://satchel.eu/faq/general-information/): General account and service questions.
- [Payments and transactions](https://satchel.eu/faq/payments-and-transactions/): Questions about sending and receiving payments.
- [Satchel cards](https://satchel.eu/faq/satchel-cards/): Questions about Satchel payment cards.
- [Current account](https://satchel.eu/faq/satchel-current-account/): Questions about the current account.
- [SEPA: the ultimate guide](https://satchel.eu/faq/sepa-the-ultimate-guide/): Explainer on SEPA payments.

---

## Legal and Compliance

- [Terms and conditions](https://satchel.eu/terms-and-conditions-v2/): Current terms governing Satchel accounts and services.
- [Prohibited countries and activities](https://satchel.eu/prohibited-countries-and-activities/): Countries and activities Satchel does not serve.