Neteller accounts work like any online banking app. That is, it offers a view of the cash balance, transactions, money transfer options, etc. The only difference is that Neteller is an eWallet: it doesn't have physical branches to go to. How do you open and use an account? (1) Download Neteller's App on the phone, it will request you some personal data to open an account [Passport or Lichna Karta and a Utility Bill]. (2) Once the account is opened (It only takes a few days), you deposit money via credit cards, bank transfers, or even via other payment processors. (3) After you fund the account, go ahead and Shop, pay, receive money, transfer money and pay for online services. In other words, once the account has been funded, there's little you can't do with it in terms of fulfilling your money movement needs: Do you like gambling? Are you an online trader? Do you need to buy things on foreign shopping sites? Do you need to transfer money to other people abroad? Well, you can do this and more with an eWallet like Neteller.