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SH Financial

SH Financial

Fintechs, platforms and businesses (including licensed crypto exchanges/VASPs and high-risk industries) that need multi-currency IBAN business accounts or want to launch their own Visa card programs.

VS

BENKER

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.

BENKER
Fees from
Accumulative: Account Opening Fee € 100.00; Account Monthly Fee FREE; SEPA (IN) FREE; SEPA (OUT) Unavailable; SWIFT (IN) FREE; SWIFT (OUT) Unavailable; FX (G10) 1%. NB-8 Business: Opening € 100.00; Monthly € 5.00; SEPA (IN) FREE; SEPA (OUT) € 0.50; SWIFT (IN/OUT) 0.25% Min € 25.00; FX (G10) 1%. EEA+ Business: Opening € 100.00; Monthly € 50.00; SEPA (IN/OUT) 0.10% Min € 2.00; SWIFT (IN/OUT) 0.30% Min € 25.00; FX (G10) 1%. MAX Business (High risk Industries): Opening €500.00; Monthly €200.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. CRYPTO Business: Opening €1000.00; Monthly €500.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. Enterprise: tailored pricing. vs 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
Features

0 shared

Regions

0 shared

Pay methods

4 shared

5 unique to SH Financial · 5 unique to BENKER
On payment methods

Both support 9 payment methods. Verify directly with each provider before signing.

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0 features · 14 payment methods · 0 regions. We don't rank these — they're here for reference.
SH Financial SH Financial
BENKER BENKER
Quick Facts
Fees
Standard transaction rate
Accumulative: Account Opening Fee € 100.00; Account Monthly Fee FREE; SEPA (IN) FREE; SEPA (OUT) Unavailable; SWIFT (IN) FREE; SWIFT (OUT) Unavailable; FX (G10) 1%. NB-8 Business: Opening € 100.00; Monthly € 5.00; SEPA (IN) FREE; SEPA (OUT) € 0.50; SWIFT (IN/OUT) 0.25% Min € 25.00; FX (G10) 1%. EEA+ Business: Opening € 100.00; Monthly € 50.00; SEPA (IN/OUT) 0.10% Min € 2.00; SWIFT (IN/OUT) 0.30% Min € 25.00; FX (G10) 1%. MAX Business (High risk Industries): Opening €500.00; Monthly €200.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. CRYPTO Business: Opening €1000.00; Monthly €500.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. Enterprise: tailored pricing.
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
Time to receive funds
—
—
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
Ach Unique
✓
—
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Corporate Card Unique
✓
—
Faster Payments Unique
✓
—
Google Pay Unique
—
✓
Mastercard Unique
—
✓
Open Banking Unique
—
✓
Sepa
✓
✓
Sepa Instant Unique
—
✓
Swift Unique
✓
—
Virtual Account
✓
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Regions

SH Financial is best when you...

Fintechs, platforms and businesses (including licensed crypto exchanges/VASPs and high-risk industries) that need multi-currency IBAN business accounts or want to launch their own Visa card programs.
View SH Financial

BENKER is best when you...

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.
View BENKER

Frequently Asked Questions

What is the difference between SH Financial and BENKER?
They share 4 payment methods and 0 regions. SH Financial adds ACH, Corporate Card, Faster Payments and 2 more that BENKER does not list; BENKER adds Apple Pay, Google Pay, Mastercard and 2 more that SH Financial does not list.
Which is cheaper, SH Financial or BENKER?
SH Financial has published rates from Accumulative: Account Opening Fee € 100.00; Account Monthly Fee FREE; SEPA (IN) FREE; SEPA (OUT) Unavailable; SWIFT (IN) FREE; SWIFT (OUT) Unavailable; FX (G10) 1%. NB-8 Business: Opening € 100.00; Monthly € 5.00; SEPA (IN) FREE; SEPA (OUT) € 0.50; SWIFT (IN/OUT) 0.25% Min € 25.00; FX (G10) 1%. EEA+ Business: Opening € 100.00; Monthly € 50.00; SEPA (IN/OUT) 0.10% Min € 2.00; SWIFT (IN/OUT) 0.30% Min € 25.00; FX (G10) 1%. MAX Business (High risk Industries): Opening €500.00; Monthly €200.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. CRYPTO Business: Opening €1000.00; Monthly €500.00; SEPA (IN/OUT) 0.25% Min € 2.00; SWIFT (IN/OUT) 0.50% Min €50.00; FX (G10) 1%. Enterprise: tailored pricing.; BENKER has published rates from 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. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SH Financial and BENKER?
SH Financial lists 0 regions and 9 payment methods; BENKER lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

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