The discussion revolves around setting up a bank account for an Estonian OÜ as an e-resident while receiving payments in crypto. Craabit seeks recommendations for banks that serve e-residents and accept crypto exchanges, preferring an entirely online solution. kristjan.r suggests using Payoneer or Wise for flexibility, noting Payoneer might be better for crypto. Craabit highlights challenges with bank policies regarding interactions with crypto exchanges. He shares responses from banks Intergiro, Orounda, and Mr Tango that accept e-resident applications. Craabit expresses concerns about recent developments in Estonia’s regulations. kristjan.r responds to clarify misinformation regarding new AML laws, providing a link to his company’s analysis. Craabit appreciates the clarification and seeks further details on the misleading points of the other article.
Hi –
I’m about to register an Estonian OÜ as an e-resident. I’m going to receive payments in crypto. So I need to open a bank account with a bank that
a) banks with e-residents
b) accepts transfers to and from crypto exchanges
I prefer an online solution - without having to travel to Estonia.
Does anyone have any experience with this?
Thank you!
Hi Christoph,
As you mentioned that you would like to have an online banking solution, we always recommend our customers to use Payoneer or Wise accounts as they offer the needed amount of flexibility that many e-Resident businesses need. In your case, I believe that Payoneer might be more suitable and crypto-friendly.
Cheers!
Hey - thanks Kristjan! The challenge is not the e-residency, but finding a bank that’s allowing interactions with crypto exchanges for business clients.
Wise for instance apparently - just - changed their policies to where they allow withdrawals from crypto exchanges, but no deposits. 
But I’ll look into Pioneer. Thanks for that tip! 
Hi , great questions! I have the same
Hey Jo,
I’ve reached out to several banks describing what I’m looking for (e-resident + crypto friendly). These three got back to me, confirming that they’d accept applications of clients with that profile. I haven’t decided yet which one I’m going with.
Intergiro (Sweden) https://intergiro.com/
Orounda (Scotland) https://oroundapsp.com/
Mr Tango (Lithuania) https://www.mistertango.com/
Good luck!
Add-On –
Given the current developments in Estonia regarding Crypto companies or even owning and holding currencies in a non-custodial wallet makes me re-consider registering a business there alltogether.
https://cointelegraph.com/news/estonia-s-new-aml-laws-set-to-clamp-down-on-crypto-industry
Christoph, I really understand your concern and we as a company are aware of the amount of misinformation that is circling the internet after the new AML law draft was introduced.
Which is why I would kindly like to draw your attention to our analysis of the new AML law (https://amlcompliance.eu/blog/new-regulatory-amendments-vasps-in-estonia/) as the link which you shared is unfortunately misleading and not in accordance with the AML draft.
Hope this provides you a new point of view and clears up some doubts that may have risen!
Hey, thanks for that, @kristjan.r!
Really appreciate the effort and clarification. 
Could you point out where the other article is wrong or misleading? I’m trying to understand better what’s going on.
This law is being decided on in February, right?
Thank you!