Banks & EMIs
Acquiring banks, business accounts, EMIs, crypto-friendly banks and BaaS.
Swissquote
Swissquote Bank SA is a Swiss bank supervised by FINMA that offers an institutional digital-asset service to banks, brokers, funds, asset managers and…
Swedbank Estonia
Swedbank Estonia, legally Swedbank AS (Estonian registration 10060701), concludes acquiring agreements for card acceptance in shops and in automated points of…
Swedbank
Swedbank is a Swedish bank, Swedbank AB (publ), supervised by Finansinspektionen (organisation number 502017-7753, VAT SE663000013801, LEI M…
Swap
Swap lets companies launch financial products under their own brand on its technology infrastructure. The listed services are embedded finance, white-label…
Swan
Swan is a European embedded banking platform, founded in 2019 and operated by SWAN SAS, a French electronic money institution authorised by the ACPR, with its…
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 Chartered
Standard Chartered is an international bank whose digital-asset activity is aimed at eligible institutional clients, together with escrow and account-bank…
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…
Banks & EMIs by country
Subsections
Banking for the payments industry
Payment companies need banks in two roles: as partners that sponsor card programmes or provide acquiring, and as account providers that hold client funds and operating money. Neither is easy to get for PSPs, exchangers or high-risk merchants. This section lists {count} banks, electronic money institutions and BaaS platforms that state they work with such businesses.
Subsections
- Acquiring banks — card acquiring for PSPs and merchants, including high-risk.
- Business accounts — operating and settlement accounts with SEPA and SWIFT.
- EMI & payment institutions — IBAN accounts, multi-currency wallets, safeguarding accounts.
- Crypto-friendly banks — banks that onboard exchangers, OTC desks and crypto companies.
- BIN sponsors & BaaS — card issuing sponsorship and banking-as-a-service infrastructure.
Bank or EMI?
A bank can lend and usually offers deposit protection; an EMI cannot lend, keeps client money in safeguarding accounts and is typically faster to onboard with digital-first processes. Many payment businesses run both: an EMI for daily payments and virtual IBANs, and a bank for larger balances and credibility with partners.
What matters when applying
- Risk appetite: which industries and countries of incorporation are accepted.
- Onboarding: documents, source-of-funds evidence, expected turnover, timelines.
- Rails: SEPA, SEPA Instant, SWIFT, Faster Payments, local rails; supported currencies.
- Pricing: account fees, transfer fees, FX margins, minimum balance.
- Stability: history of de-risking in your segment and notice periods for closure.
By country
Country pages narrow the list: banks in the UK, Lithuania, UAE, Singapore. Often the right jurisdiction depends on your licence — see payment licensing and company formation.
Nominal hub is a directory, not a banking introducer: approval decisions are made by each institution. Check Offers for published terms or post a request describing your business.