Fintechs that want to build account-based products, and businesses with international activity or foreign owners and directors that need a UK multi-currency account and meet the £2 million turnover or balance minimum.

baas

Fees

Account opening fee: individual, typically from £300 for CAT 1 jurisdictions; Monthly fees: individual, typically from £100/month for CAT 1 jurisdictions; Foreign exchange (FX) charges: individual, typically from 0.18%; Outgoing payment charges: individual, typically from £2 and 0.2%; Incoming payment charges: individual, typically from £1 and 0.1%; Account closure fee: 3x monthly fee; Non-compliance with customer profile: individual, typically up to 12x monthly fee; Special requests: individual, typically from £100

Settlement

Varies

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Brite Payments

European Instant Payments

DirectPayEU

European e-commerce merchants accepting IBAN bank payments as a card alternative

traditional

Fees

0.8-1.5% for bank transfers

Settlement

1–3 business days

View provider

Stable Mint

Businesses in the EU/EEA and supported third countries that want to collect, hold, convert and pay out EUR/USD via regulated stablecoins alongside SEPA/SWIFT rails, especially for cross-border trade, platforms and marketplace/payroll payouts.

Monerium

24pay

Slovak e-shops, online services and brick-and-mortar shops that want an online payment gateway and card-present POS terminals from one provider.

traditional +1

Fees

Poplatky za kartové transakcie podľa schémy MIF++ (interchange + card scheme fee passed through at cost). Poplatok za spracovanie transakcie: INDIVIDUÁLNE. Illustrative example (consumer debit Mastercard, 50 EUR): Poplatok za spracovanie transakcie 0,80 % + 0,10 EUR; Poplatok za transakciu celkom 1,204 % + 0,123 EUR. Prvých 6 mesiacov bez poplatkov za vedenie účtu.

Settlement

Varies

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Billhop

Januar

EEA-based crypto companies and platforms that need crypto-friendly business IBAN accounts, embedded accounts for their own customers, or integrated crypto trading and custody.

Yaspa

Intraclear

Businesses incorporated in the EEA, from small firms to large international enterprises, that want card acquiring, a payment gateway and business accounts with SEPA/SWIFT from one provider.

ArmadilloPay

Program managers, travel-disruption compensation platforms and gig-economy aggregators that want white-labelled cards, IBANs, wallets and payouts in Ireland and the EEA under a regulated e-money licence.

STOKR

Asset managers, fund issuers and financial institutions in the EU that want to issue tokenized securities and handle the crypto/stablecoin payment leg for subscriptions, redemptions and distributions.

Plix

Fibonatix

Card-not-present merchants in the UK and EEA, including higher-risk sectors such as CBD, forex, prop trading, online dating, adult physical goods and prize competitions.

Outpayce

Airlines, hotels and travel agencies — especially those already using Amadeus systems — that want to orchestrate payment acceptance and supplier payouts through one platform.