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Finmo

Finmo provides a treasury and global payments platform with a multi-currency Business Account for collecting, holding, converting and paying funds in many currencies. Its Embedded offering lets fintechs, marketplaces, payroll and EOR providers offer accounts, pay-ins, payouts and FX through an API that runs on Finmo's licences and banking network. Finmo UK Group Limited is an FCA-authorised electronic money institution (ref. 901102), and other Finmo entities hold licences or registrations in Australia, New Zealand, Singapore, the US, Canada, Dubai and Hong Kong.

Not a merchant acquirer — no applications Visit Website
Fees from
Business Account: $0 to open, no monthly fees, no minimum balance, unlimited free user seats. Local collections: free (most currencies). SWIFT collections: free (45+ currencies). Local payouts: from $0 (selected rails include free allowances). SWIFT payouts: US$5 (195+ countries). FX: 0.07% (7 bps) on major currency pairs (launch pricing); minor and exotic pairs: competitive. Treasury and Embedded: custom, combining subscription and usage fees.
Settlement
—
Coverage
8 countries
Payment methods
4
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Finmo before signing. Visit Website is an external link; we may earn a commission.

Finmo overview

Best for

Cross-border businesses, and fintechs, marketplaces, payroll and EOR providers that need multi-currency accounts, collections, payouts and FX through a dashboard or API.

Finmo pricing & fees

Pricing structure

Pricing
Business Account: $0 to open, no monthly fees, no minimum balance, unlimited free user seats. Local collections: free (most currencies). SWIFT collections: free (45+ currencies). Local payouts: from $0 (selected rails include free allowances). SWIFT payouts: US$5 (195+ countries). FX: 0.07% (7 bps) on major currency pairs (launch pricing); minor and exotic pairs: competitive. Treasury and Embedded: custom, combining subscription and usage fees.
Your business must be registered in
Not disclosed

Finmo settlement & payouts

Payouts

Settlement time
Not collected yet
Settlement currencies
Not collected yet

We haven't collected settlement details for Finmo yet. Confirm payout timing and currencies directly with Finmo before signing.

Finmo API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Finmo coverage & payment methods

Supported countries

8 countries
AEAUCAGBHKNZSGUS

Payment methods

Bank TransferCredit CardDigital WalletSwift

Finmo licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Finmo UK Group Limited

United Kingdom

Licenses

E-Money Institution GB

FCA E-Money Institution (UK)

Financial Conduct Authority (UK)

License numbers & register records

1 license number · 1 register record on file for Finmo, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

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