UK Payment Providers

Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.

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Affirm

Installment Loans

Surfboard Payments

Software vendors (ISVs), payment facilitators, acquirers and multi-location merchants, mainly in the Nordics, that want in-store, Tap to Pay and online payments through one API, plus small businesses using the packaged Surfpay POS.

Bolt

One-Click Checkout

Cash App

US Mobile Banking & P2P

traditional

Free basic, 1.75% instant

C2FO

Supply Chain Working Capital

Openpay

Mexican e-commerce

Bitstamp

Clio Payments

Law firm billing with IOLTA trust-accounting compliance

traditional

2.95% for standard cards, 3.75% Amex; 1% eCheck/ACH

Deutsche Bank

Noveba

Fintechs, start-ups, e-commerce platforms and financial institutions that want to launch branded payment accounts via white-label or API, and international businesses needing EUR/GBP IBAN accounts.

baas +1

Business: Account Opening Fee free; Monthly Fee €25; Incoming SEPA free; Outgoing SEPA 0,1% (min € 2 max € 50); Incoming International Payment in EUR (SHA) €7; Outgoing International Payment in EUR (SHA) 0,1% (min € 10 max € 500); Incoming GBP Faster Payments free; Outgoing GBP Faster Payments 0,1% (min £ 2 max £ 50). Private Service Business: Account Opening Fee €300; Monthly Fee €100.

finAPI

Businesses and software providers in Europe that want to add account-to-account SEPA transfers, direct debits, instant payments and bank-account data access to online stores or accounting workflows via API.

infrastructure +1

Payments (Non-e-commerce / Retail / Add-on Payment): Basic licence up to 200 payment orders (monthly flat rate) €50 / €50 + 0.5 % / €20; Basic licence up to 1,000 payment orders (monthly flat rate) €250 / €250 + 0.5 % / €100; from 1,001 to 5,000 payment orders per payment order €0.25 / €0.25 + 0.5 % / €0.10; from 5,001 to 10,000 €0.22 / €0.22 + 0.5 % / €0.10; from 10,001 to 25,000 €0.20 / €0.20 + 0.5 % / €0.10; from 25,001 to 50,000 €0.18 / €0.18 + 0.5 % / €0.10; from 50,001 to 100,000 €0.16 / €0.16 + 0.5 % / €0.10; from 100,001 €0.14 / €0.14 + 0.5 % / €0.10. Conditions for other sectors (e.g. travel, content or gambling) or payment service providers (PSP) on request.

FreedomPay

Hospitality & Retail

3S Money

UK, EU and UAE-incorporated businesses such as importers/exporters, wholesalers and real-estate managers that need multi-currency accounts for high-value international transfers.

baas

Standard: €100 / monthly — UK Faster Pay £1; EUR SEPA €2; Payments to UAE 0.30%; Payments to China 0.60%; Receive from EU, UK, US and UAE 0%. Enterprise: €300 / monthly — UK Faster Pay £1; EUR SEPA €1; Payments to UAE 0.15%; Payments to China 0.45%; Receive from EU, UK, US and UAE 0%. Enterprise Plus: Bespoke / monthly. *Based on selected plan a fixed cost could be applicable, please view our fees plan for more information

Mizuho Bank

Societe Generale

Pervesk

EEA/UK businesses (including high-risk or non-EEA ones on the Verslas+ plan) that need a European IBAN account, and financial institutions that want white-label IBAN accounts or KYC tooling.

baas +1

Verslas (low-risk businesses registered in LT, UK and EEA): business account application FREE; priority application review 1500 EUR; monthly service 12.99 EUR; internal transfers FREE; from/to Lithuanian and EEA (SEPA) banks 1 EUR; international SWIFT transfers (outgoing/incoming) 0.4%, min. fee 25 EUR; payment return 20 EUR + correspondent bank fees; currency exchange 0.00%. Verslas+ (high-risk sectors and/or outside EEA): application 450 EUR; priority review 1500 EUR; monthly service 69 EUR; internal transfers FREE; incoming SEPA 2 EUR + 0.05%; outgoing SEPA 1 EUR; SWIFT (outgoing/incoming) 25 EUR + 0.5%; payment return 20 EUR + correspondent bank fees; currency exchange 0.00%.

Bitpanda

crypto +1

Zero deposit and withdrawal fees on all fiat payment methods; trading/spread fees apply on assets (e.g. €1 per stock trade).

AirPlus International

myPOS

European Smart Card Readers

TrueLayer

Open Banking Payments

Modulr

UK Payment Automation

Monek

UK businesses, from small retailers and hospitality venues to larger companies, that want in-store, online and phone card payments on a single account.

traditional

Growing Business (under £200,000/year): 0.99% blended rate on personal debit and credit cards; 1.99% on business credit and debit cards; 2.99% on foreign/non-UK cards; per-transaction fee of £0.05 on UK cards and £0.10 on non-UK cards; PCI compliance fee of £2.99 per month; terminals from £25/month; no setup fees; no monthly minimums. Established Business (over £200,000/year): bespoke IC++ (interchange-plus-plus) pricing, with per-transaction fees of 3p on UK cards and 10p on non-UK cards.

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