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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Brite Payments

European Instant Payments

DirectPayEU

European e-commerce merchants accepting IBAN bank payments as a card alternative

traditional

Fees

0.8-1.5% for bank transfers

Settlement

1–3 business days

View provider

Stable Mint

Businesses in the EU/EEA and supported third countries that want to collect, hold, convert and pay out EUR/USD via regulated stablecoins alongside SEPA/SWIFT rails, especially for cross-border trade, platforms and marketplace/payroll payouts.

Monerium

Chainalysis

Crypto compliance, sanctions screening, and blockchain investigations

InstaReM

APAC Cross-Border Payments

Instant to 2 business days

Instant

Low Fees

View provider

Noda

European Open Banking

traditional

Fees

From 0.3% per transaction

Remitly

International Remittances

HesabPay

Afghan remittances and digital payments

crypto +1

Fees

0.5-2% for transactions

Inpay

Cross-Border Bank Payments

Billhop

LianLian Pay

China Cross-Border Payments

Riva

Tremendous

Bulk Incentive Payouts

Interactive Brokers

Investment Account Funding & Transfers

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.