Business accounts
Settlement accounts for PSPs, exchangers and merchants.
Convera
Convera is a payment infrastructure company focused on international business payments and foreign exchange. Its European service entity is Convera Europe…
Currencies Direct
Currencies Direct is an international money transfer and FX provider running an open partner program. The operating company is Currencies Direct Ltd, an…
finby
finby is a payment gateway that has been processing card and local payment methods since 2009, formerly known under the TrustPay brand. It combines card and…
Finmo
Finmo is a business payments platform that combines liquidity management, collections and treasury processes. It is operated by Finmo Tech Pte. Ltd. in…
FOMO Pay
FOMO Pay is a Singapore payment company founded in 2015 and part of FOMO Group, operated by FOMO Pay Pte Ltd from Tahir Building, Robinson Road. It holds a MAS…
Hang Seng Bank
Hang Seng Bank is a Hong Kong bank, operating as Hang Seng Bank Limited, that provides merchant acquiring directly, without an aggregator in between. It offers…
HBL
HBL is a Pakistani bank, Habib Bank Limited, that offers merchants online acquiring through HBLPay Checkout and other payment solutions for business. The…
HDFC Bank Merchant Services
HDFC Bank Merchant Services is the merchant acquiring and payment gateway arm of the Indian bank HDFC Bank. Through it, businesses accept payments at the point…
Hong Leong Bank
Hong Leong Bank is a Malaysian bank, operating as Hong Leong Bank Berhad, that provides merchant acquiring and business accounts to companies in Malaysia…
IndusInd Bank
IndusInd Bank is an Indian bank that acts as an acquirer itself and gives merchants a payment gateway for taking payments on a website or in an app. For a…
Maybank
Maybank, operated by Malayan Banking Berhad, is a Malaysian bank offering merchant acquiring together with business bank accounts. Its Malaysian acceptance…
Metrobank
Metrobank is a Philippine bank that serves business customers with operating accounts. The sources highlight Regular Checking and AccountOne Commercial…
Modulr
Modulr is an electronic money institution offering payment automation and API infrastructure for settlements, payouts and embedded financial products. The…
Moneycorp
Moneycorp is a provider of international business payments and foreign exchange. Its regulated entity, TTT Moneycorp Limited, is an authorised payment…
Paswix
Paswix is a Lithuanian electronic money institution operating through Payswix, UAB, based in Vilnius. The company says it has served businesses and individuals…
PayAlly
PayAlly is a business payments service offering international companies multi-currency settlements, liquidity management and personal support. Its UK entity is…
PayDo
PayDo combines multi-currency IBANs, international transfers, merchant accounts and mass payouts. The company has operated since 2017 and also offers cards and…
Payoneer
Payoneer is a cross-border payments platform for companies, freelancers and marketplaces: receiving international revenue, payment requests and mass payouts…
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.