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
FIS
Enterprise banking and capital markets technology
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
1 unique to FIS
Regions
0 shared
6 unique to FIS
Pay methods
4 shared
5 unique to SH Financial · 10 unique to FIS
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Show full specs 1 features · 19 payment methods · 6 regions. We
don't rank these — they're here for reference.
Show full specs
1 features · 19 payment methods · 6 regions. We
don't rank these — they're here for reference.
SH Financial FISQuick 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
—
1–2 business days
Founded
—
1968
Headquarters
—
Jacksonville, Florida, United States
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features FIS leads (1 vs 0)
FIS leads (1 vs 0)Enterprise Unique
—
✓
Payment Methods FIS leads (14 vs 9)
FIS leads (14 vs 9)Ach
✓
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bank Transfer
✓
✓
Contactless Unique
—
✓
Corporate Card Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Faster Payments Unique
✓
—
Google Pay Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Virtual Account Unique
✓
—
Virtual Card
✓
✓
Visa
✓
✓
Regions FIS leads (6 vs 0)
FIS leads (6 vs 0)Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia 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.
FIS is best when you...
Enterprise banking and capital markets technology
Need Enterprise
Not available with SH Financial
Want coverage in Asia, Europe, Latin America, North America, Oceania, Southeast Asia
SH Financial doesn't cover these regions
Frequently Asked Questions
What is the difference between SH Financial and FIS?
They share 4 payment methods and 0 regions. SH Financial adds Corporate Card, Faster Payments, SEPA and 2 more that FIS does not list; FIS adds Amex, Apple Pay, Contactless and 7 more that SH Financial does not list; FIS also covers Asia, Europe and 4 more; only FIS offers Enterprise.
Which is cheaper, SH Financial or FIS?
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.; FIS 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 FIS?
SH Financial lists 0 regions and 9 payment methods; FIS lists 6 and 14. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SH Financial and FIS compare on integration and settlement?
FIS offers a sandbox, SH Financial does not list one; FIS supports webhooks; FIS publishes a settlement time of 1–2 business days.
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