Business accounts
Settlement accounts for PSPs, exchangers and merchants.
Banner Bank
Banner Bank offers business checking accounts in the United States with online and mobile access. Every variant includes a Mastercard debit card and unlimited…
BankUnited
BankUnited, N.A. offers three business checking accounts in the United States: Primary Business Checking, Business Express Checking and Commercial Analysis…
Bankinter
Bankinter is a Spanish bank, registered as Bankinter, S.A. (tax ID A28157360), with its address at Paseo de la Castellana 29, Madrid. Its PLAN Empresas range…
Banking Circle
Banking Circle is a licensed technology bank for payment service providers, banks and other institutions, founded in 2015 and operating from Luxembourg, London…
Bank Rakyat Indonesia
Bank Rakyat Indonesia, or BRI, supplies merchants with EDC terminals that accept Visa, Mastercard, its own debit cards and BRIZZI. The bank also lists business…
Bank OZK
Bank OZK is a US bank with four business checking options: OZK Business, Growth, Interest+ and Non-Profit Checking. Regulators named for the bank are the…
Bank of the Philippine Islands
Bank of the Philippine Islands offers BPI BizLink Checking, a business account for monitoring and executing transactions through the BizLink platform and the…
Bank of Queensland
Bank of Queensland, branded BOQ, offers the Everyday Business Account, an operating account for Australian businesses with a Visa card and branch-based…
Bank of New Zealand
Bank of New Zealand, known as BNZ, runs its own merchant facility for online card acceptance. Its listed products include BNZ Pay Online, POS acquiring, MOTO…
Bank of Ireland
Bank of Ireland offers business current accounts to companies and sole traders in Ireland. Two products are listed: the Business Current Account and a separate…
Bank of Hawaii
Bank of Hawaii offers business checking and savings, with the bank named as the legal entity. Published account types are Business Checking Option 1 and Option…
Bank of East Asia
Bank of East Asia (BEA) provides business accounts through two products, CorporatePlus and CorporatePlus Business Start. Two account tiers CorporatePlus is the…
Bank of China (Hong Kong)
Bank of China (Hong Kong) is the Hong Kong banking arm of Bank of China. For companies it offers business bank accounts built around the Business Integrated…
Bank of America
Bank of America offers merchant acquiring and point-of-sale solutions to small businesses in the United States, including non-profit and healthcare…
Bank Negara Indonesia
Bank Negara Indonesia, known as BNI, acts as an acquirer under its own merchant terms. Its head office is at Gedung Grha BNI on Jl. Jenderal Sudirman in…
Bank Muscat
Bank Muscat is an Omani bank that provides business accounts, merchant acquiring, POS terminals and an e-commerce gateway. Its Najahi Current Account is…
Bank Mandiri
Bank Mandiri is an Indonesian bank offering merchant acquiring and business current accounts. Its card-acceptance package covers EDC terminals, QRIS and Alipay…
Bank Frick
Bank Frick is a Liechtenstein bank with a dedicated Blockchain Banking Solutions line for crypto exchanges, brokers and other established blockchain companies…
Business accounts by country
Related subsections
Operating accounts for payment companies
Every PSP, exchanger, P2P provider and online merchant needs somewhere to receive settlements, pay suppliers and hold working capital. Mainstream banks often decline these businesses or close accounts during de-risking reviews. This subsection lists banks and institutions that offer business accounts to payment-related companies, including accounts for non-residents and offshore structures.
Typical requirements
- Company documents, shareholder and director KYC, UBO declarations.
- A business plan or description of flows: who pays you, whom you pay, expected monthly turnover.
- Source of funds and source of wealth for owners.
- Licences or a legal opinion if the activity is regulated (see payment licensing).
- Sometimes local substance: office, director or employees in the country.
Features to compare
- Multi-currency: EUR, USD, GBP and local currencies in one account; FX margins.
- Rails: SEPA and SEPA Instant, SWIFT with correspondent coverage, Faster Payments, ACH.
- Virtual IBANs for segregating clients or merchants.
- API access for automated payouts and reconciliation.
- Fees: opening fee, monthly maintenance, per-transfer costs, minimum balance.
- Card issuing for expenses or as a payout product.
Bank vs EMI for daily operations
An EMI is often quicker to open and better at instant payments; a bank offers wider correspondent reach, larger limits and credit products. If you work with crypto, check crypto-friendly banks first — many traditional banks restrict such flows.
By country
Popular locations include Lithuania, the UK, UAE, Hong Kong and Singapore. The account usually follows the company, so plan it together with company formation.
Account opening decisions belong to each institution. Check Offers for published conditions or post a request.