BaaS

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.

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.

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%.

MultiPass

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

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.

Sliq

Cyprus-based SMEs wanting a business account, cards and in-person card acceptance in one app

traditional +1

Plans: Strategic EUR 0/month (5 free SEPA transfers), Executive from EUR 25/month (10 free), Ultimate from EUR 50/month (unlimited). Incoming SEPA free. Card FX fee 3%/2%/1% by plan. Mastercard Send/Visa Direct 0.40% per transaction (min EUR 0.15, max EUR 0.50).

VIALET

E-commerce merchants, fintechs/platforms, and licensed high-risk businesses (iGaming, forex, crypto) that need EU business IBAN accounts, card acquiring, pay-ins and mass payouts from one EMI.

baas +2

Card Acquiring & Merchant Services: EU Issued Cards 4% + €0.30; Non-EU Issued Cards 5% + €0.30; (Original Credit Transfer) OCT 2% + €0.80; Refund Fee €1; Retrieval Request €5; Chargeback Fee €25 + scheme fees; Currency Exchange Rate XE.com + 1%; Rolling Reserve 10% for 180 days (Capped at €150,000). Business accounts (Standard Business, Low-Risk): Account Opening Fee Free; Application Review Fee €500 one-time; Monthly Maintenance €100 / month; SEPA C2B (IN) 0.5% (Min. €0.60); SEPA B2C (OUT) 0.5% (Min. €2.00); SEPA B2B (IN and OUT) 0.25% (Min. €2.00); SWIFT Transfers 0.5% (Min. €25); Currency Exchange Rate ECB + 2%. Digital Enterprises (Medium-Risk): Application Review Fee €750 one-time; Monthly Maintenance €150 / month. Regulated Enterprises (High-Risk): Application Review Fee €1,500 one-time; Monthly Maintenance €200 / month; SEPA C2B (IN) 1.5% (Min. €1.00).

7 business days

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

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.

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.

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

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.

Near-instant

Railsbank

Global BaaS Platform

Zolvat

Small, medium and large businesses that need an EU e-money account with IBANs, SEPA/SWIFT transfers, payroll and mass supplier payouts.

Treezor

European BaaS

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

OpenPayd

Embedded Finance Infrastructure

Akurateco

White-label payment gateway resellers

Incard

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.

Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.

Hero paie vos ventes BackMarket et Conforama à j+1 de vos ventes.

Heropay

Small French businesses that want a free or low-cost online business account with short-term supplier-invoice financing and faster marketplace payouts.

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

Railor

Businesses with complex structures, cross-border flows and higher-risk profiles, such as iGaming, forex, crypto-native firms, e-commerce, service providers and startups, that want an EU EMI business account with a dedicated manager.

baas +3

Account fees (Low / Medium / High risk): Setup (one-time, per company) FREE / €500 / €1,000; Monthly Maintenance FREE / €100 / €200; Minimum Account Balance €0 / €500 / €500; Additional Account Opening (3rd+ Account) FREE / €100 / €200; Additional User Fee (2nd+ User) FREE / €25 / €50. Payments: SEPA Incoming FREE / 0.15% min. €15 / 0.30% min. €20; SEPA Outgoing 0.10% min. €5 / 0.15% min. €15 / 0.30% min. €20; SWIFT Incoming 0.10% min. €40 / 0.15% min. €40 / 0.30% min. €40; SWIFT Outgoing 0.30% min. €40 / 0.40% min. €40 / 0.60% min. €40; Outgoing Urgent (Additional Fee) €30 / €35 / €40; Internal Transfer FREE / 0.05% min. €10 / 0.10% min. €20. FX: EUR ⇄ USD From 0.25%; Major Currencies From 0.40%; Exotic Currencies From 0.70%. Crypto On/Off Ramp Fiat ⇄ Crypto 0.50% min. €50 / 0.75% min. €75 / 1.00% min. €100. Service fees: Transfer Trace €100; Aggregation Transfer Lookup €50; Account Closing €250; Enhanced Due Diligence (EDD) €500; Express Onboarding €1,000.

Soldo

Incorporated businesses in the UK and EU/EEA that want prepaid company cards, budget wallets and expense management for employee spending.

Standard: £27 per month +VAT* (1 wallet, 3 users, 3 physical or virtual Soldo cards, up to 20 outbound bank transfers per month). Plus: £39 per month +VAT* (3 company wallets, 3 users, 3 physical or virtual Soldo cards, up to 30 outbound bank transfers per month). Unlimited: Price on request. The e-money business account and payment services are provided by Soldo Financial Services Ltd and are subject to additional fees such as, card issuance, cash withdrawals and others.