Banks, platforms and established businesses that want EUR business IBAN accounts, card/wallet/Open Banking acceptance, or a white-label banking product built on BENKER's infrastructure.

baas +2

Fees

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

Settlement

Varies

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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

Fees

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.

Settlement

Varies

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DECTA

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

Banking Circle

Financial Institution Infrastructure

Instant to 2 business days

ClearBank

UK Banking 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.

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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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

Fees

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.

Settlement

Varies

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wamo

Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.

baas +1

Fees

Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.

Settlement

Next business day

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Noveba

Fintechs, start-ups, e-commerce platforms and financial institutions that want to launch branded payment accounts via white-label or API, and international businesses needing EUR/GBP IBAN accounts.

baas +1

Fees

Business: Account Opening Fee free; Monthly Fee €25; Incoming SEPA free; Outgoing SEPA 0,1% (min € 2 max € 50); Incoming International Payment in EUR (SHA) €7; Outgoing International Payment in EUR (SHA) 0,1% (min € 10 max € 500); Incoming GBP Faster Payments free; Outgoing GBP Faster Payments 0,1% (min £ 2 max £ 50). Private Service Business: Account Opening Fee €300; Monthly Fee €100.

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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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

Fees

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%.

Settlement

Varies

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Amaiz

Businesses that need a UK-regulated digital GBP/EUR e-money account with Mastercard cards and multi-rail payouts, or that want to launch their own white-label or embedded card programme.

baas +1

Fees

Our pricing starts as low as £0 per month, and your fees depend on your customer profile. UK / EEA / Swiss UBOs: Onboarding fee: Free, £0/Month. International UBOs: Onboarding fee: £49.99, £0/Month. Mastercard® virtual card issuing GBP / EUR / USD 2; Mastercard® plastic card issuing GBP / EUR / USD 10. Incoming FPS / SEPA Credit / Instant: Free; CHAPS GBP 39.99; SWIFT GBP / EUR / USD / CHF 39.99. Outgoing SEPA / FPS 0 – 9,999.99: 1 (UK/EEA/Swiss UBOs) / 3 (International UBOs). Standard fees are shown above. Fees may vary depending on your business profile and risk category and will be confirmed during onboarding.

Settlement

Varies

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Payward

Transferra

Internationally operating businesses (including non-UK residents) that need a UK-regulated multi-currency IBAN account for cross-border SEPA, SWIFT, Faster Payments and ACH transfers.

baas

Fees

Starter (Local Businesses): €49/Monthly, Monthly Turnover Up to €50,000, Standard Onboarding Fee Free; Global (International Business): €149/Monthly, Monthly Turnover Up to €300,000, Standard Onboarding Fee €499; Specialised (Holdings & Corporate Groups): From €399/Monthly, Monthly Turnover Unlimited, Standard Onboarding Fee From €999. FX: Exchange at Interbank + 0.5%.

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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Telleroo

UK businesses, multi-entity groups and accounting, bookkeeping and payroll firms that need to send bulk supplier and payroll payments synced from their accounting or payroll software.

baas +1

Fees

Businesses: Essential £49/month (100 payments, +£1.20 per extra payment); Teams £129/month (250 payments, +£0.89 per extra payment, £15,000 of fee-free international payments); Pro £249/month (500 payments, +£0.42 per extra payment, £35,000 of fee-free international payments). International payments fee from 0.42%. Accountants: Lite Free (10 payments); Starter £26/month (100 payments, +£0.89 per extra payment); Growth £84/month (+£0.79 per extra payment). No setup fees. No lock-in contracts. A charge is payable for any top-up into your Telleroo account via CHAPS.

Settlement

Near-instant

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Railsbank

Global BaaS Platform

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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