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Businesses that need multi-currency accounts in EUR, GBP and USD, cross-border supplier and mass payouts, and API-driven card issuing, rather than card acceptance.

baas

Fees

Plans: Starter £50/month, Pro £100/month, Ultra £300/month. FX markup (EUR, GBP, USD): up to 0.8% / up to 0.7% / up to 0.5%. Faster Payments (UK): £1 / £1 / £0.5. SEPA payment: €2 / €1.5 / €1. SWIFT payment: 0.50%, min $17 / €15 / £13 (Starter); 0.35%, min $14 / €12 / £11 (Pro); 0.20%, min $12 / €10 / £9 (Ultra). SWIFT fee cap: No cap / No cap / Max €500 / $580 / £430. Incoming SWIFT: $14 / €12 / £10 (Starter); $7 / €6 / £5 (Pro); Free (Ultra). Card payout, UK issued card: 0.7%, min £1 (Starter, Pro), 0.7%, min £0.5 (Ultra). Card payout, EU issued card: 1.5%, min £1 (Starter, Pro), 1.5%, min £0.5 (Ultra). Card payout, rest of the world issued card: £0.5 + 3% / £0.5 + 2.5% / £0.5 + 2%.

Settlement

Varies

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3S Money

UK, EU and UAE-incorporated businesses such as importers/exporters, wholesalers and real-estate managers that need multi-currency accounts for high-value international transfers.

baas

Fees

Standard: €100 / monthly — UK Faster Pay £1; EUR SEPA €2; Payments to UAE 0.30%; Payments to China 0.60%; Receive from EU, UK, US and UAE 0%. Enterprise: €300 / monthly — UK Faster Pay £1; EUR SEPA €1; Payments to UAE 0.15%; Payments to China 0.45%; Receive from EU, UK, US and UAE 0%. Enterprise Plus: Bespoke / monthly. *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information

Settlement

Varies

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MultiPass

Companies, not individuals, that need multi-currency GB/UAE IBAN accounts, FX, mass payouts and API access for international supplier and partner payments.

baas

Fees

Dedicated Relationship Manager: Free; Online banking: Free; Additional IBANs and currencies: Free. Account opening and due diligence: from £500; Priority onboarding (additional fee): £500; Additional user: £100; Annual due diligence: from £100. Monthly maintenance fee: from £100; Minimum balance: from 3 monthly fees; Account closure fee: from 3 monthly fees. Payments (incoming / outgoing): Local EU (SEPA / SEPA Instant) €2 / from 0.10% (min €10); Local UK (Faster Payments) Free / £1; Local UK (BACS / CHAPS) £20 / £20; Local US (ACH) from 0.15% (min $10) / from 0.15% (min $10); Local US (Fedwire) from 0.10% (min $25) / from 0.10% (min $25); International (SWIFT) £20 / €25 / $30 / £40 / €50 / $60; Between MultiPass users Free / Free. Quote serves as a guide; actual costs depend on industry, payment volumes and other factors.

Settlement

Varies

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Finmo

Cross-border businesses, and fintechs, marketplaces, payroll and EOR providers that need multi-currency accounts, collections, payouts and FX through a dashboard or API.

baas +2

Fees

Business Account: $0 to open, no monthly fees, no minimum balance, unlimited free user seats. Local collections: free (most currencies). SWIFT collections: free (45+ currencies). Local payouts: from $0 (selected rails include free allowances). SWIFT payouts: US$5 (195+ countries). FX: 0.07% (7 bps) on major currency pairs (launch pricing); minor and exotic pairs: competitive. Treasury and Embedded: custom, combining subscription and usage fees.

Settlement

Varies

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Newrails

Fintechs, PSPs, crypto/Web3 platforms and international businesses that need regulated euro IBAN accounts, direct SEPA access and a euro stablecoin rail via one API.

baas +2

Fees

Indicative standard rates (Standard Due Diligence; final price set on application). Monthly fee: Starter €0, Growth €12.99, Scale €35, Non-EU custom pricing. Account opening and application review: €0 on EU plans. EUR local inbound: €0. EUR local outbound per transfer: €1.00 (Starter), €0.50 (Growth), €0.25 (Scale), from 0.05% (Non-EU). EUR international outbound (SHA): 0.45% min €25 / max €125 (Starter), 0.35% min €22 / max €100 (Growth), 0.25% min €20 / max €75 (Scale), 0.40% min €25 / max €125 (Non-EU). EUR international outbound (OUR): 0.45% min €40 / max €150, 0.35% min €35 / max €135, 0.25% min €30 / max €125, 0.40% min €40 / max €150. Crypto-related transaction surcharge: 0.45% min €25, 0.35% min €22, 0.25% min €20, 0.40% min €25. EURW mint/redeem: €0. EURW deposit/withdraw: 1.0000 EURW (EU plans), from 0.05% (Non-EU). EURW ↔ USDC swap: 0.3000 / swap (Non-EU). Transfers to other Newrails users €0. High-risk businesses (Enhanced Due Diligence): pricing quoted per client.

Settlement

Instant to 10 business days

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Akurateco

White-label payment gateway resellers

Bankoro

Fintechs that want to build account-based products, and businesses with international activity or foreign owners and directors that need a UK multi-currency account and meet the £2 million turnover or balance minimum.

baas

Fees

Account opening fee: individual, typically from £300 for CAT 1 jurisdictions; Monthly fees: individual, typically from £100/month for CAT 1 jurisdictions; Foreign exchange (FX) charges: individual, typically from 0.18%; Outgoing payment charges: individual, typically from £2 and 0.2%; Incoming payment charges: individual, typically from £1 and 0.1%; Account closure fee: 3x monthly fee; Non-compliance with customer profile: individual, typically up to 12x monthly fee; Special requests: individual, typically from £100

Settlement

Varies

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Monerium

Paymont

Businesses (including non-EEA companies) and trust funds, especially ones with Czech ties, that need a multi-currency EUR/CZK/GBP account with an IBAN, SEPA, SWIFT and CZK payments, and foreign exchange.

baas +1

Fees

EEA Business: Application processing fee €100; Account opening Free; Monthly maintenance €20; Transfers within Paymont Free; Incoming SEPA (EUR) Free; Outgoing SEPA (EUR) €2; Incoming CZK Free; Outgoing CZK 50 CZK; Incoming SWIFT 0.1% (min €20); Outgoing SWIFT 0.1% (min €20); FX (currency exchange) Real interbank rate at time of execution. The final tier and pricing are determined after compliance review.

Settlement

Varies

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Tranzzo

Fintech startups and payment resellers

Regent FE

International businesses, groups of companies, e-commerce sellers and multi-company service providers (corporate service providers, fund administrators, family offices) that need named multi-currency accounts to collect funds, make payments and manage FX.

baas

Fees

Monthly maintenance: Currency management 0; Starter accounts from £100.00; Custom accounts – custom pricing based on the company type, jurisdictions and volumes involved. Onboarding fees from £500.00 may apply. Currency conversion: from 0.2% (Currency management) / from 0.3% (Starter, Custom), subject to volumes. Local payments: GBP and EUR £0.50; USD £1.00; CHF £5.60; NOK, DKK, SEK, PLN, AUD £1.50; SGD, MXN, HUF, CZK, CAD, INR, IDR, MYR £2.00; PHP, HKD £3.00. SWIFT Payments – Shared charges £10.00; All Charges Ours £30.00.

Settlement

Varies

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Omega

International entrepreneurs and cross-border businesses that need a UK-based multi-currency business account with a GB IBAN, alongside company registration and accounting services.

Globus Payments

Businesses that need to send and receive B2B cross-border payments, run mass payouts or global payroll, mainly in the UK and MENA.

M2P Fintech

APAC Fintech Infrastructure

Finductive

Companies in iGaming, affiliate marketing, aviation, maritime, yachting and corporate services that need a multi-currency business payment account with a Maltese IBAN.

Redbanx

Businesses, financial institutions, payment service providers, insurers and family offices that need multi-currency accounts, FX and cross-border payouts through an API.