Business accounts
Settlement accounts for PSPs, exchangers and merchants.
N3XT
N3XT is a Wyoming bank, operating as N3XT, Inc. and supervised by the Wyoming Division of Banking, that offers fully reserved US-dollar accounts for…
N26
N26 Business in Italy is an account for self-employed people, offered by N26 Bank SE, a German bank based in Berlin and supervised by BaFin. The bank is…
myTU
myTU is a Lithuanian electronic money service, operated by UAB Travel Union (company number 305106882), that offers mobile personal and business e-money…
My EU Pay
My EU Pay is a UK payment business, run by My EU Pay Limited (company number 10661695), that offers companies payment accounts and international transfers with…
MVB Bank
MVB Bank is a US bank, operating as MVB Bank, Inc., that offers sponsorship for fintech partners alongside commercial banking. The bank is a banking…
MultiPass
MultiPass is a provider of multi-currency business accounts for international companies, run by MultiPass Platforms Limited, a UK electronic money institution…
MUFG Bank Japan
MUFG Bank Japan offers corporate deposit accounts to Japanese companies through an online application called WEB法人口座開設. The service also covers the Japanese…
Monzo
Monzo is a UK bank that offers a business current account for limited companies and sole traders. The contract is with Monzo Bank Limited (company number…
MoneyNetint
MoneyNetint is a UK electronic money institution, operating as MoneyNetint Limited and founded in 2004, that offers business accounts built around a…
Moneygate Solutions Limited
Moneygate Solutions Limited is a Cyprus-based electronic money institution supervised by the Central Bank of Cyprus (licence 115.1.3.46), with a branch in…
Moneybase
Moneybase is a Maltese payments company, operating as Moneybase Ltd (company C 87193) and licensed by the Malta Financial Services Authority as a financial…
Monerium
Monerium is an Icelandic electronic money institution that links euro bank accounts to blockchain wallets. Its entity, Monerium hf., is supervised by the…
Mistertango
Mistertango is a business payment account service run by Secure Nordic Payments, UAB, a Lithuanian electronic money institution supervised by the Bank of…
Metro Bank
Metro Bank is a UK bank, operating as Metro Bank PLC under company number 06419578, with its office at One Southampton Row, London. It is regulated by the…
Meridian Credit Union
Meridian Credit Union is a Canadian credit union that offers a Business Chequing account for small businesses. The legal entity is Meridian Credit Union…
Mercury FX
Mercury FX is a UK foreign-exchange and payments provider, operated by Mercury Foreign Exchange Limited and founded in 2007, that offers businesses…
Memo Bank
Memo Bank is a French bank, incorporated as Memo Bank SA and based on the Champs-Élysées in Paris, that serves registered companies with heavy payment flows…
Meezan Bank
Meezan Bank is a Pakistani bank, operating as Meezan Bank Limited from Karachi, that offers Islamic banking for businesses. Its accounts follow…
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.