EMIs & payment institutions
Licensed EMIs and PIs, IBAN accounts.
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Companies
All 129ZEN.COM
ZEN.COM offers businesses a multi-currency account in 35 currencies, an IBAN and payment acceptance for e-commerce. Beyond transfers and cards, the platform…
XTransfer
XTransfer serves B2B international trade with collection accounts, currency conversion, supplier payments and withdrawal of funds. The company was founded in…
Wittix
Wittix offers multi-currency business accounts and international IBANs that can receive funds without mandatory conversion. The legal entity is Wittix, UAB, an…
Wallter
Wallter is a business account platform with direct IBANs, international transfers, FX and corporate cards. The legal entity is Wallter UAB, an electronic money…
VFX Financial
VFX Financial is a provider of foreign exchange operations and a multi-currency e-money account for holding, converting, sending and receiving funds. The legal…
Valyuz
Valyuz offers multi-currency business accounts with dedicated IBANs and support for SEPA and SWIFT. The legal entity is Valyuz, UAB, an electronic money…
Offers
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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.