Business accounts
Settlement accounts for PSPs, exchangers and merchants.
Raiffeisen Bank International
Raiffeisen Bank International (RBI) is an Austrian banking group that lets companies open business accounts in Austria and in the Central and Eastern European…
Rabobank / Rabo Smart Pay
Rabobank / Rabo Smart Pay covers the business current account of Coöperatieve Rabobank U.A. and the bank's merchant acquiring offer, including mobile…
Qonto
Qonto is a business account with cards, transfers, invoices and accounting tools for freelancers, entrepreneurs and companies. The platform also covers team…
QNB Qatar
QNB Qatar is the Qatari operation of Qatar National Bank (Q.P.S.C.), also known simply as QNB. It provides merchant acquiring for e-commerce together with…
Prosperity Bank
Prosperity Bank is a US bank that offers business checking accounts for small companies and Business Analysis accounts, including interest-bearing versions…
Privalgo
Privalgo is an international payment platform with multi-currency accounts, e-wallets and virtual IBANs. It combines receiving, sending and managing payments…
PNC
PNC is a US banking group that offers merchant acquiring, escrow and paying-agent services for deals, and business bank accounts. The group parent is The PNC…
Pleo
Pleo is a corporate card and spend management platform that also handles reimbursements and supplier payments. Cards run on the Mastercard network, and the UK…
Pinnacle Financial Partners
Pinnacle Financial Partners operates its banking business through Pinnacle Bank, which offers business checking in the United States. The line includes…
Piermont Bank
Piermont Bank is a US bank that provides embedded banking and API banking for companies needing their own banking product or automated payments. It is a…
Pervesk
Pervesk is a Lithuanian electronic money institution that offers personal and business payment accounts, IBANs and SEPA transfers. For financial companies it…
Payset
Payset offers business accounts in 35 currencies with local virtual IBANs, foreign exchange, and bulk and recurring payouts. The UK entity is Pay Set Limited…
Paysera
Paysera is a Lithuanian electronic money institution that provides payment accounts with an IBAN for businesses and private clients. The licensed entity is…
PaySaxas
PaySaxas offers businesses EUR accounts with a dedicated IBAN and SEPA and SEPA Instant payments. Its website describes settlements for licensed money service…
PayNovus
PayNovus provides multi-currency business accounts, SEPA and SWIFT payments and card issuing. The company also offers payment-as-a-service, BIN sponsorship and…
Paymont
Paymont is a Lithuanian electronic money institution (EMI) that provides multi-currency payment accounts to companies, private individuals and trust funds. The…
Payhawk
Payhawk combines corporate cards and payments with spend management, supplier invoices and accounting integrations. Several legal entities share the work, so…
Pathward
Pathward is a US bank, Pathward, N.A., that sponsors payment and card programmes for fintech and other partners. It is a licensed bank, and its programme terms…
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.