# Finmo — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** 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.
- **Fee model:** subscription
- **Categories:** baas, embedded, infrastructure
- **Countries served:** 8 (AE, AU, CA, GB, HK, NZ, SG, US)
- **Payment methods:** bank_transfer, credit_card, digital_wallet, swift

## Legal & compliance

Legal entities:
- Finmo UK Group Limited — United Kingdom — licenses: E-Money Institution, GB, FCA

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/finmo#compliance.


Canonical page: https://paymentproviders.io/providers/finmo

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)