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
Branch
Earned wage access and instant payouts for hourly and gig workforces
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 Custom
Features
0 shared
3 unique to Branch
Regions
0 shared
1 unique to Branch
Pay methods
1 shared
8 unique to SH Financial · 3 unique to Branch
On settlement
Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.
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Show full specs 3 features · 12 payment methods · 1 regions. We
don't rank these — they're here for reference.
Show full specs
3 features · 12 payment methods · 1 regions. We
don't rank these — they're here for reference.
SH Financial BranchQuick 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.
Custom
Settlement
Time to receive funds
—
Instant
Founded
—
2015
Headquarters
—
Minneapolis, Minnesota, US
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features Branch leads (3 vs 0)
Branch leads (3 vs 0)Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Payment Methods SH Financial leads (9 vs 4)
SH Financial leads (9 vs 4)Ach
✓
✓
Bank Transfer Unique
✓
—
Corporate Card Unique
✓
—
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Faster Payments Unique
✓
—
Mastercard Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Virtual Account Unique
✓
—
Virtual Card Unique
✓
—
Visa Unique
✓
—
Regions Branch leads (1 vs 0)
Branch leads (1 vs 0)North America Unique
—
✓
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.
Branch is best when you...
Earned wage access and instant payouts for hourly and gig workforces
Need Enterprise
Not available with SH Financial
Need Instant Payout
Not available with SH Financial
Want coverage in North America
SH Financial doesn't cover this region
Frequently Asked Questions
What is the difference between SH Financial and Branch?
They share 1 payment method and 0 regions. SH Financial adds Bank Transfer, Corporate Card, Faster Payments and 5 more that Branch does not list; Branch adds Debit Card, Digital Wallet, Mastercard that SH Financial does not list; Branch also covers North America; only Branch offers Enterprise, Instant Payout and 1 more.
Which is cheaper, SH Financial or Branch?
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.; Branch has custom pricing quoted on engagement. 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 Branch?
SH Financial lists 0 regions and 9 payment methods; Branch lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SH Financial and Branch compare on integration and settlement?
Branch offers a sandbox, SH Financial does not list one; Branch supports webhooks; Branch publishes a settlement time of Instant.
Are you SH Financial or Branch?
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