Account

Levels & limits

1. Guest

   Nothing — scan and pay

   Pay your share of a bill · Pay any Rail merchant — Your card's own limits

2. Account

   Email + passkey

   Receipts and history · Saved payment methods · Organise splits · Request money — Merchant payments only

3. Verified

   ID document + selfie, about 2 min

   Send and receive between people · Rail balance · Any currency (FX) · Take payments — €5,000 / month between people

4. 3

   Enhanced

   Source of funds

   On request

   Higher limits · Large or frequent transfers — €50,000 / month

Limits are indicative; the licensed partner institution sets the final ones.

Passkeys

• iPhone · Safari

  Added 2026-09-02 · last used Today

• Mac · Safari

  Added 2026-09-10 · last used Yesterday

• Add a passkey on this device

Identity

Lost every device? Recovery needs a new selfie matched to your verified ID — an email or SMS code alone is never enough to take over a Rail account.