Browse payment providers

Business accounts: Lite €10/mo (SEPA in €0.10, out €0.30); Plus €50/mo (in €0.20, out €0.50); Max €150/mo (min 0.15% per transfer or custom); internal transfers free. Card acquiring rates not published

Narvi

Fintechs, marketplaces, PSPs, SaaS platforms and licensed crypto/VASP businesses that need EUR IBAN accounts and SEPA/SWIFT payments, either for their own use or built into their product through an API, without getting their own EMI licence.

baas +3

Account Opening: One-time onboarding fee plus three months of monthly deposits. Monthly Fee: Dependent on your classification and any added compliance requirements. Minimum Balance Requirement: Equal to three months of monthly fees, ensuring your account stays positive. Internal Transfers between Narvi accounts: €1 per transfer. SWIFT transactions: Additional fees may apply based on the corresponding banking network.

Instant to 24 business days

Gemba

UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.

baas +1

Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.

Instant to 2 business days

Aera Payment & Identification

Retailers wanting a merchant-owned, unified in-store + online + wallet payment platform

DECTA

Fintechs, banks and ISVs needing EMI-licensed white-label acquiring and issuer processing in Europe

Banking Circle

Financial Institution Infrastructure

Altery

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.

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%.

Nexpay

Corporate clients, including crypto firms, PSPs, gambling and betting operators and other high-risk or cross-border digital businesses, that need EUR business accounts with dedicated IBANs and SEPA/SWIFT payments.

baas +2

Basic+: account maintenance €200-400/month; document processing €500; account opening €1000; incoming/outgoing SEPA & SEPA Instant 0.15% + €1.5; incoming/outgoing SWIFT 0.4%, min €50; FX fee 0.5% min €50; transfers between Nexpay accounts free. Premium: €1250-1450/month; incoming/outgoing SEPA & SEPA Instant free (up to €750 000 monthly turnover each); SWIFT 0.4%, min €50; FX 0.5% min €50. Enterprise: custom. Other: priority onboarding €1000; payment cancellation request €100-150; API integration €1000; multiuser functionality €5 + VAT; reference letters €50-100 + VAT; service continuity fee €100-1000.

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.

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

Pervesk

EEA/UK businesses (including high-risk or non-EEA ones on the Verslas+ plan) that need a European IBAN account, and financial institutions that want white-label IBAN accounts or KYC tooling.

baas +1

Verslas (low-risk businesses registered in LT, UK and EEA): business account application FREE; priority application review 1500 EUR; monthly service 12.99 EUR; internal transfers FREE; from/to Lithuanian and EEA (SEPA) banks 1 EUR; international SWIFT transfers (outgoing/incoming) 0.4%, min. fee 25 EUR; payment return 20 EUR + correspondent bank fees; currency exchange 0.00%. Verslas+ (high-risk sectors and/or outside EEA): application 450 EUR; priority review 1500 EUR; monthly service 69 EUR; internal transfers FREE; incoming SEPA 2 EUR + 0.05%; outgoing SEPA 1 EUR; SWIFT (outgoing/incoming) 25 EUR + 0.5%; payment return 20 EUR + correspondent bank fees; currency exchange 0.00%.

Payward

TantumPay

Businesses in the EEA, including platforms and marketplaces, crypto/Web3 firms, holding/foundation/trust structures and SaaS companies, that need dedicated multi-currency IBAN e-money accounts alongside online payment acceptance.

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

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.

Instant to 10 business days

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.

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

Monerium

Januar

EEA-based crypto companies and platforms that need crypto-friendly business IBAN accounts, embedded accounts for their own customers, or integrated crypto trading and custody.

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

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.

Tranzzo

Fintech startups and payment resellers

ArmadilloPay

Program managers, travel-disruption compensation platforms and gig-economy aggregators that want white-labelled cards, IBANs, wallets and payouts in Ireland and the EEA under a regulated e-money licence.

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.