# Money Blink — Payment Provider

Money Blink is a Malta-based electronic money institution licensed by the MFSA that offers accounts for individuals and businesses holding euro, sterling and US dollar balances. Customers get an IBAN to collect payments over SEPA and SWIFT, can send euros over SEPA Instant, and can convert between the three currencies. It also offers open banking connections for viewing balances and starting payments from accounts held at other providers. Card acceptance, cards and eCards are announced but not yet available.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Individuals and businesses that send, receive or exchange euros, pounds and dollars across borders and need an IBAN account on SEPA and SWIFT.
- **Fees:** Onboarding fee: Waived; Maintenance fee per year, per account: Waived for the first year, then €500 from the second year; Incoming SEPA Credit Transfers: Free; Outward SEPA Instant payment, per transaction: €1; SEPA transfers up to €100,000 per transaction: €4; SEPA transfers over €100,000: 0.10%, capped at €250; SWIFT (non-euro only) / TARGET2 up to €100,000: 0.15%, minimum €10; over €100,000: 0.15%, capped at €250; Foreign Exchange Conversion Margin: 0.50%
- **Fee model:** subscription
- **Settlement time:** Euro payments over SEPA Instant arrive in seconds, any hour of any day. Standard SEPA and SWIFT are processed the same business day when your instruction reaches us before the cut-off.
- **Categories:** baas
- **Payment methods:** sepa, swift

## Legal & compliance

Legal entities:
- Money Blink Limited — Malta — licenses: E-Money Institution, MT, MFSA

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/money-blink#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=money-blink&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/money-blink

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