Business accounts
Settlement accounts for PSPs, exchangers and merchants.
Swedbank
Swedbank is a Swedish bank, Swedbank AB (publ), supervised by Finansinspektionen (organisation number 502017-7753, VAT SE663000013801, LEI M…
Sutton Bank
Sutton Bank develops card partnerships through its Sutton Payments division, including prepaid and debit programmes. Founded in 1878, it is a US bank, and it…
Sutor Bank
Sutor Bank GmbH is a German bank, supervised by BaFin, that offers Banking-as-a-Service and Crypto-as-a-Service for fintech and crypto companies. Crypto and…
Sunrise Banks
Sunrise Banks, N.A. develops fintech partnerships and payment programmes alongside its banking for businesses and individuals. It is a US bank, and the…
SUNRATE
SUNRATE offers international business payments, local collection accounts, corporate cards and treasury tools, with FX and an Open API. It supports payments in…
Sumitomo Mitsui Banking Corporation Japan
Sumitomo Mitsui Banking Corporation Japan, also known as SMBC Japan, offers corporate accounts opened through Trunk and serviced through SMBC BUSINESS. The…
Sterling Bank Nigeria
Sterling Bank Nigeria offers business bank accounts for small and medium enterprises, including the Zero AMF package for new businesses, a regular Business…
Stearns Bank
Stearns Bank N.A. serves companies through bank accounts, commercial lending and financial partnerships. It is a US bank, and the published target segments are…
State Bank of India
State Bank of India offers the SBI Regular Current Account for the day-to-day settlements of businesses. The listed services are current accounts, cash…
Starling Bank
Starling Bank is a licensed British bank, Starling Bank Limited, regulated by the Prudential Regulation Authority and the Financial Conduct Authority (company…
Standard Bank South Africa
Standard Bank South Africa offers merchants POS and online payments, from start-ups to large retail chains, alongside business bank accounts. The products…
Stanbic IBTC Bank
Stanbic IBTC Bank is a Nigerian bank that offers business bank accounts, with the Business Current Account as its main product for companies of different…
Spendesk
Spendesk is a business spend platform that combines corporate cards, procurement, supplier payments, expense management and reimbursements, with an API…
SouthState Bank
SouthState Bank, National Association offers SouthState Small Business Checking, a basic account for businesses with no monthly maintenance fee and 150…
Soldo
Soldo is a spend management platform that provides corporate payment cards and centralised control of team, travel and operating purchases. Cards run on…
Société Générale France (SG)
Société Générale France (SG) is the French bank Société Générale, headquartered at 29 boulevard Haussmann, 75009 Paris. For businesses it combines professional…
Simmons Bank
Simmons Bank offers business checking in the United States through two published products, Business Core Checking and Business Plus Checking. They differ in…
Shine
Shine is a French online business account for small companies and independent professionals, provided by Shine France SAS. The company holds a payment…
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.