UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.

baas +1

Fees

Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.

Settlement

Varies

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Zettle

EU retail

traditional

Fees

1.75% per transaction (EU)

Coupa Pay

Enterprise B2B payments and virtual card issuance inside procurement workflows

Trust Payments

UK merchants

ClearBank

UK Banking Infrastructure

Codashop

Direct gaming top-ups with local payment methods

Clover

Retail & restaurants

Viva Wallet

European SMEs

CCBill

Adult Content

high risk

Fees

10.8-14.5% (adult), 3.9% + $0.55 (standard)

Shopify Payments

Shopify Merchants

traditional

Fees

2.4%-2.9% + $0.30 per transaction

SumUp

Small EU businesses

Vitesse

Boku

Carrier Billing

Borgun

Icelandic merchants

Crezco

Open banking B2B payments for SMEs

traditional

Fees

Subscription plans from £10/month (Collect Plus), £20/month (Send Plus), £27/month (Premium); international payments from 0.35%

eTranzact

Pan-African switching, mobile money and USSD payments

Profee

Gnosis Pay

Self-Custodial Crypto Visa Card

Altery

Businesses that need multi-currency accounts in EUR, GBP and USD, cross-border supplier and mass payouts, and API-driven card issuing, rather than card acceptance.

baas

Fees

Plans: Starter £50/month, Pro £100/month, Ultra £300/month. FX markup (EUR, GBP, USD): up to 0.8% / up to 0.7% / up to 0.5%. Faster Payments (UK): £1 / £1 / £0.5. SEPA payment: €2 / €1.5 / €1. SWIFT payment: 0.50%, min $17 / €15 / £13 (Starter); 0.35%, min $14 / €12 / £11 (Pro); 0.20%, min $12 / €10 / £9 (Ultra). SWIFT fee cap: No cap / No cap / Max €500 / $580 / £430. Incoming SWIFT: $14 / €12 / £10 (Starter); $7 / €6 / £5 (Pro); Free (Ultra). Card payout, UK issued card: 0.7%, min £1 (Starter, Pro), 0.7%, min £0.5 (Ultra). Card payout, EU issued card: 1.5%, min £1 (Starter, Pro), 1.5%, min £0.5 (Ultra). Card payout, rest of the world issued card: £0.5 + 3% / £0.5 + 2.5% / £0.5 + 2%.

Settlement

Varies

View provider

Coingate

Merchants seeking crypto payment acceptance

crypto

Fees

0.5-1% for crypto processing

KoronaPay

Cross-border consumer remittances from the EEA to Russia, CIS, Turkey and Moldova

regional +1

Fees

Per-transfer fees vary by corridor, currency and amount; consumer remittance pricing shown in-app at quote time (no merchant pricing).

Nexpay

Corporate clients, including crypto firms, PSPs, gambling and betting operators and other high-risk or cross-border digital businesses, that need EUR business accounts with dedicated IBANs and SEPA/SWIFT payments.

baas +2

Fees

Basic+: account maintenance €200-400/month; document processing €500; account opening €1000; incoming/outgoing SEPA & SEPA Instant 0.15% + €1.5; incoming/outgoing SWIFT 0.4%, min €50; FX fee 0.5% min €50; transfers between Nexpay accounts free. Premium: €1250-1450/month; incoming/outgoing SEPA & SEPA Instant free (up to €750 000 monthly turnover each); SWIFT 0.4%, min €50; FX 0.5% min €50. Enterprise: custom. Other: priority onboarding €1000; payment cancellation request €100-150; API integration €1000; multiuser functionality €5 + VAT; reference letters €50-100 + VAT; service continuity fee €100-1000.

Settlement

Varies

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