PayPilot Review: Cryptocurrency, a Card, and a Fiat Account in One App

What PayPilot Is and What It’s For

PayPilot is an app by Ukrainian developers that combines a crypto wallet, a European IBAN account in the user’s name, and a payment card. All three tools are available in a single interface and are linked to each other.

The service is primarily aimed at freelancers, remote employees, IT specialists, entrepreneurs, and other digital asset users — those who regularly receive money from abroad or work with cryptocurrency. For this audience, PayPilot brings together tools for getting paid, converting funds, making transfers, and everyday spending.

Another use case is business operations. The card is suitable for paying for ads in ad dashboards, subscriptions, servers, and other overseas services, while the IBAN is for settlements with clients or contractors.

How PayPilot Works: From Crypto Top-Ups to Payments

Working with digital assets in PayPilot can be schematically represented as the following sequence:

USDT/USDC → conversion to euros (EUR) → card payment or transfer via IBAN.

A wallet is used to receive and store digital assets, while everyday spending is handled via a payment card. Let’s take a closer look at each of these tools.

Crypto wallet and conversion

PayPilot includes a built-in custodial crypto wallet for working with digital assets. It receives USDT and USDC, which are then stored in the app or converted into euros. The wallet also supports bitcoin, Ethereum, and a number of other cryptocurrencies. The set of supported cryptocurrencies depends on the specific operation.

To make a deposit, the user selects the required network and receives the transfer details. In some cases — for example, when transferring from crypto exchanges — a memo may also be required. 

The received assets are converted into euros directly in the PayPilot app. There’s no need to move them to an external exchange or a P2P platform before swapping, which reduces the number of intermediate steps required for everyday payments.

Converting cryptocurrency to euros in the PayPilot app. Source: Incrypted.

The service also works the other way around. Supported crypto assets can be purchased for fiat directly in the app using a card, a fiat transfer, Apple Pay, or Google Pay.

Euro account with an IBAN and transfers

To work with fiat funds, PayPilot provides a euro account with an IBAN, opened in the user’s name. It is used for incoming and outgoing euro transactions, invoice payments, and settlements with clients and contractors.

Support for SEPA transfers makes it possible to receive a salary or invoice payments. Its details are available alongside the crypto wallet and the card, so there is no need for a separate account with a third-party service.

In addition, PayPilot offers instant internal transfers between service users with no fees. The app also lets you split a bill between multiple users, send funds card-to-card, and save recipients’ details for repeat IBAN transactions.

Payment card

For everyday spending, PayPilot offers a payment card linked to a euro balance. It works for online and offline purchases, including abroad, and supports Apple Pay and Google Pay. 

When paying in a currency other than euros, the conversion happens automatically. The card is also suitable for subscriptions and other recurring payments, and it allows cash withdrawals at compatible ATMs. 

PayPilot supports up to 10 virtual cards, which is convenient for splitting expenses. For example, one — for ad account spending, another — for paying for subscriptions, servers, or online purchases. This approach helps separate different spending categories.

How PayPilot Differs From the “Crypto Exchange + Banking” Setup

The key difference between PayPilot and the common approach of using crypto through multiple services is the number of intermediate steps. Typically, you have to transfer the received digital assets to an exchange, convert them, then withdraw fiat to a third-party account, and only then use the card. 

In some jurisdictions, legal restrictions further complicate this process, forcing users to rely on exchangers or P2P platforms.

With PayPilot, these steps are combined in a single app, which simplifies the process for users who regularly move funds between crypto and fiat. 

Reducing the number of intermediate steps can lower fee costs. This is especially noticeable for businesses and active users who constantly convert in different directions. 

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Verification, Limits, and Support

To access all PayPilot features, you need to complete verification. The check is done on your phone and takes about 5–7 minutes. A passport is suitable for identity verification. 

Once the process is complete, higher limits for payments and transfers become available. However, the set of available tools depends on your country of residence. In some jurisdictions, functionality related to an IBAN or a payment card may be restricted.

If you run into issues with verification, payments, or transfers in the app, you can contact support. As a rule, agents respond within a few seconds, and most common questions are resolved in a matter of minutes.

How to Start Using PayPilot

To start using PayPilot, new customers need to complete three steps:

1. Download the app.

PayPilot works on iOS and Android devices, so the app is available on the App Store and Google Play. 

iPhone users should note that the App Store also lists a PayPilot app by Nayax, which is not related to the service covered here. To avoid mixing them up, you can use the direct link.

2. Complete verification.

After registration, you need to confirm your identity using your passport details. The procedure takes about 5 — 7 minutes and is completed entirely online. Once the check is finished, the client can use the tools available in their region and gets higher limits for payments and transfers.

3. Make your first deposit.

As noted above, you can send USDT and USDC to the built-in crypto wallet, and euros — to a personal IBAN account that is created automatically during registration. The deposited cryptocurrency must be converted into euros within the app. After conversion, the funds in euros will be available for transfers or card payments.

Conclusions

PayPilot primarily addresses a practical task — reducing the number of intermediaries involved in using cryptocurrency for everyday payments. The service brings several tools into a single interface for the most common use cases — from paying bills and making transfers to online and offline purchases.

For those who regularly get paid in USDT or USDC, transact in euros, and pay by card, this approach simplifies moving funds and can reduce related costs. Additional features like multiple virtual cards and internal transfers make it possible to separate spending categories and improve the overall convenience of the service.

Before getting started, it’s worth checking whether the card and IBAN are available in your country, as well as the limits and conversion terms. These parameters largely determine how convenient PayPilot is for regular use.