EMIs & payment institutions
Licensed EMIs and PIs, IBAN accounts.
Benker
Benker is an electronic money institution that offers financial infrastructure with local business IBANs, multi-currency accounts and SEPA and local payment…
Bebawa
Bebawa is an electronic money institution (EMI) licensed in Lithuania, operating through Bebawa, UAB with registered office at A. Goštauto st. 8, Vilnius. It…
BCB Group
BCB Group provides regulated payment and digital financial services for the crypto industry. It is a payment and crypto services group, not a bank, and the…
3S Money
3S Money is a UK electronic money institution (EMI) that offers multi-currency accounts to international businesses. The provider lists business accounts, FX…
Bankera
Bankera is a payment service offering business accounts, including for crypto exchanges, brokers, mining and staking companies. It is an alternative to a bank…
iCard Digital wallet
iCard Digital wallet is a payment service of the Bulgarian company iCard AD, operating since 2007. iCard Business gives companies payment accounts and business…
VIALET
VIALET offers business accounts with dedicated IBANs, virtual corporate cards and high-volume SEPA and SWIFT settlements. The service is operated by UAB…
Volet
Volet is a virtual Visa and Mastercard card service in dollars and euros that has been running since 2014. Cards can be topped up by bank transfer, another…
Airwallex
Airwallex is a global financial and payments platform for businesses that combines multi-currency accounts, FX, cross-border payments, corporate cards and…
Bilder / Bilderlings
Bilder / Bilderlings is a payment service for companies that deal with clients and partners in different countries. The operator is Bilderlings Pay Limited, a…
BVNK
BVNK is a stablecoin and fiat payment infrastructure provider founded in 2021. Businesses, fintech platforms and payment partners use it to accept, send, hold…
ConnectPay
ConnectPay is a modular embedded-finance platform for digital businesses, operated by UAB ConnectPay, an electronic money institution regulated by the Bank of…
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…
DECTA
DECTA is a payment processing, card issuing and acquiring infrastructure provider founded in 2015, working from London and Riga. The company describes itself…
Fibonatix
Fibonatix is a payment company that offers businesses payment solutions and support for payment processing. The UK entity, Fibonatix (UK) Limited (company…
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…
EMIs & payment institutions by country
Related subsections
What an EMI is
An electronic money institution (EMI) is licensed to issue e-money and provide payment services, but not to lend or take deposits like a bank. Client funds are held in safeguarding accounts at partner banks. For payment companies, EMIs are often the most accessible way to get an IBAN account, multi-currency balances and instant transfers. A related category, the payment institution (PI), offers payment services without issuing e-money.
Why payment businesses use EMIs
- Faster, mostly online onboarding compared with traditional banks.
- Virtual IBANs to assign to merchants or clients and reconcile automatically.
- SEPA Instant, Faster Payments and SWIFT through one API.
- Some EMIs serve high-risk segments — iGaming, forex, crypto-related businesses — that banks avoid.
- Card issuing and payout products built on top of the account.
Risks to understand
- Safeguarded money is protected differently from bank deposits; read how the EMI segregates funds.
- EMIs depend on partner banks — if a partner exits, services can change at short notice.
- Account limits and enhanced checks can apply as turnover grows.
- Not every EMI can serve every country of incorporation or every industry.
How to choose an EMI business account
- Licence type and regulator; where the EMI passports its services.
- Currencies, rails and correspondent coverage you actually need.
- Pricing: opening fee, monthly fee, per-transfer charges, FX margin.
- API quality and support for bulk payouts.
- Policy on your vertical and on non-resident companies.
By country
EMI pages by jurisdiction: UK, Lithuania, Malta, Latvia, Poland. If you want your own licence instead, see payment licensing; for card programmes on top of an account, see BIN sponsors & BaaS.
Nominal hub lists institutions but does not open accounts on their behalf. Check Offers or post a request.