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

View provider

Coingate

Merchants seeking crypto payment acceptance

crypto

Fees

0.5-1% for crypto processing

Datatrans

Swiss e-commerce

KoronaPay

Cross-border consumer remittances from the EEA to Russia, CIS, Turkey and Moldova

regional +1

Fees

Per-transfer fees vary by corridor, currency and amount; consumer remittance pricing shown in-app at quote time (no merchant pricing).

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

View provider

Ramp Network

Crypto On-Ramp SDK

crypto

Fees

From 0.49% per transaction

Fondy

European e-commerce

UnionPay

Chinese customers

Mastercard Send

Real-Time Disbursements to Mastercards

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

View provider