ACH

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.

Bitstamp

Branch

Earned wage access and instant payouts for hourly and gig workforces

Clio Payments

Law firm billing with IOLTA trust-accounting compliance

traditional

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

Mizuho Bank

PaymentCloud

High Approval Rates

Brex

Business Spend Management

Simplex

Crypto Exchange On-Ramp

crypto

3.5%-5% per transaction

Scotiabank

eCheckPlan

Claimed View provider

Paffle

Small and medium businesses that invoice across borders and need tax-compliant e-invoicing combined with global pay-ins, payouts and multi-currency virtual accounts.

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Free: $0 / forever — 1 user, regular invoices only, wallets and USD/EUR virtual bank accounts in your name. Standard: $20 / month, billed yearly — 5 users then $5 per seat; 50 tax e-invoices per month then $10 per additional 50. Enterprise: $50 / month for 10 seats then $5 per seat, billed yearly — unlimited tax e-invoices; virtual bank accounts for GBP/MXN/BRL/COP, subject to eligibility.

Near-instant

bitFlyer

crypto

Lightning trading from 10 bps (US); zero trading fees on EU buy/sell, Lightning fees per maker/taker; full fee schedule per region on /commission.

Novalnet

European online and omnichannel merchants that want cards, local methods and guaranteed invoice or SEPA Direct Debit on one contract, along with subscription billing and receivables management.

traditional

Per novalnet.com (Nov 2026): Visa/Mastercard EUR 0.24 + 1.70%; Amex, JCB, UnionPay, Discover, Diners EUR 0.24 + 2.99%; Apple Pay/Google Pay EUR 0.24 + 1.99%; SEPA Direct Debit EUR 0.24 + 1.50%; invoice EUR 0.24 + 0.99%; online bank transfer EUR 0.24 + 1.10%; iDEAL | Wero EUR 0.28 + 0.30%; guaranteed invoice/SEPA priced by country and B2B/B2C (e.g. DE B2C guaranteed invoice EUR 0.42 + 2.4%); +1.5% surcharge on corporate/business and non-EU cards.

Onramper

Crypto Ramp Aggregation

Helcim

Small businesses

Classy

Enterprise Nonprofit Fundraising

PayNearMe

iGaming Cash Payments

Transferra

Internationally operating businesses (including non-UK residents) that need a UK-regulated multi-currency IBAN account for cross-border SEPA, SWIFT, Faster Payments and ACH transfers.

baas

Starter (Local Businesses): €49/Monthly, Monthly Turnover Up to €50,000, Standard Onboarding Fee Free; Global (International Business): €149/Monthly, Monthly Turnover Up to €300,000, Standard Onboarding Fee €499; Specialised (Holdings & Corporate Groups): From €399/Monthly, Monthly Turnover Unlimited, Standard Onboarding Fee From €999. FX: Exchange at Interbank + 0.5%.

MultiPass

Companies, not individuals, that need multi-currency GB/UAE IBAN accounts, FX, mass payouts and API access for international supplier and partner payments.

baas

Dedicated Relationship Manager: Free; Online banking: Free; Additional IBANs and currencies: Free. Account opening and due diligence: from £500; Priority onboarding (additional fee): £500; Additional user: £100; Annual due diligence: from £100. Monthly maintenance fee: from £100; Minimum balance: from 3 monthly fees; Account closure fee: from 3 monthly fees. Payments (incoming / outgoing): Local EU (SEPA / SEPA Instant) €2 / from 0.10% (min €10); Local UK (Faster Payments) Free / £1; Local UK (BACS / CHAPS) £20 / £20; Local US (ACH) from 0.15% (min $10) / from 0.15% (min $10); Local US (Fedwire) from 0.10% (min $25) / from 0.10% (min $25); International (SWIFT) £20 / €25 / $30 / £40 / €50 / $60; Between MultiPass users Free / Free. Quote serves as a guide; actual costs depend on industry, payment volumes and other factors.

Payrix

SaaS Embedded Payments

Edenred

Employee Benefit Payments

Whop

Claimed View provider

Noah

Platforms that need API-driven fiat-to-stablecoin pay-ins and automated payouts in local currencies, for example for remittances, payroll, e-commerce marketplaces, crypto wallets and exchanges, or treasury.

Payset

SMBs and growing companies, such as travel, events, import/export and holding businesses, that need multi-currency business accounts and cross-border payments.

traditional