Business accounts
Settlement accounts for PSPs, exchangers and merchants.
Valyuz
Valyuz offers multi-currency business accounts with dedicated IBANs and support for SEPA and SWIFT. The legal entity is Valyuz, UAB, an electronic money…
Valley Bank
Valley Bank groups its business checking accounts into packages for different stages of company growth. The legal entity is Valley National Bank, and the…
UOB Singapore
UOB Singapore, operated by United Overseas Bank Limited, provides merchant acquiring through EDC terminals and online stores, working with partner payment…
Unity Trust Bank
Unity Trust Bank offers a business current account with tiers based on annual turnover and multi-step payment authorisation. The legal entity is a public…
United Bank for Africa Nigeria
UBA Nigeria, listed here as United Bank for Africa Nigeria, offers POS acceptance for Visa, Mastercard and Verve cards and a portal for processing merchant…
UniCredit NV/SA
UniCredit NV/SA, formerly Aion Bank, supplies the banking component of embedded finance in partnership with the technology platform Vodeno. The bank provides…
UniCredit
UniCredit is an Italian bank, UniCredit S.p.A., with a business line of current accounts built around different activities and channels. The registered office…
U.S. Bank
U.S. Bank is a US bank, part of U.S. Bancorp, that combines merchant acquiring, business services and escrow. The legal entity is U.S. Bank National…
Truist
Truist is a US bank whose business offering covers everyday checking and institutional escrow. Services are provided by Truist Bank, and the stated market is…
TransferGo
TransferGo offers international payments, a multi-currency business account and batch payouts. The group operates through a UK company and a Lithuanian one…
Transact Pro
Transact Pro offers corporate clients payment accounts, online payment acceptance and card issuing, including white-label card programmes. The operating entity…
Thread Bank
Thread Bank is a licensed US bank that offers direct banking and infrastructure for embedded payment and banking products. According to its published…
The Co-operative Bank
The Co-operative Bank p.l.c. is a British bank regulated by the Prudential Regulation Authority and the Financial Conduct Authority (company number 00990937…
The Bancorp
The Bancorp serves fintech partners through card and payment sponsorship, embedded finance and credit programmes. Its legal entity is The Bancorp Bank, N.A., a…
TeslaPay
TeslaPay is a Lithuanian electronic money institution operating through UAB TeslaPay, licensed by the Bank of Lithuania (licence number 37). It provides…
Techcombank
Techcombank offers a digital business account for small and medium-sized enterprises through Techcombank Business, in Vietnam. The SME segment covers…
TD Bank
TD Bank groups two different offers under the TD brand. In Canada, TD Merchant Solutions provides merchant acquiring from The Toronto-Dominion Bank. In the…
Sygnum
Sygnum Bank AG is a Swiss bank founded in 2018 and supervised by FINMA, built for professional and institutional participants in the digital-asset market. Its…
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.