Banks & EMIs
Acquiring banks, business accounts, EMIs, crypto-friendly banks and BaaS.
Paymont
Paymont is a Lithuanian electronic money institution (EMI) that provides multi-currency payment accounts to companies, private individuals and trust funds. The…
Paymentology
Paymentology provides card processing and tools for launching virtual and physical payment cards for banks and fintechs. It is an issuer processor and a…
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…
Orenda Finance
Orenda Finance is a technology company that provides a no-code platform for launching accounts, wallets and card-based financial products. It is classified as…
Orbital
Orbital is a corporate payments and treasury platform that links fiat payment accounts with crypto assets and stablecoins. It is a payment and digital-asset…
OpenPayd
OpenPayd is a payments infrastructure provider for companies and platforms, offering connected accounts, payout automation and an API. It acts as an…
Old National Bank
Old National Bank is a US bank that serves commercial customers with business checking, cash management and treasury management. Its range covers Deluxe…
OKEO
OKEO provides business accounts with a dedicated IBAN, currency conversion and multi-currency payments. The service is operated by Okeo Payments UAB, a…
OFX
OFX is a foreign exchange and international payments business whose UK operations run through UKForex Limited, a company authorised by the Financial Conduct…
OCBC (Singapore)
OCBC (Singapore) is the Singapore operation of Oversea-Chinese Banking Corporation Limited, a bank that serves businesses with merchant acquiring and business…
Oberbank
Oberbank is an Austrian bank, Oberbank AG, headquartered in Linz, that offers business current accounts under the name Vorteils-Konto. The line comes in three…
NymCard
NymCard is a financial infrastructure provider whose nCore platform covers card issuing, money movement, settlement, a ledger and embedded finance products…
novobanco
novobanco is a Portuguese bank, operated by NOVO BANCO, S.A., that offers a business current account called Depósito à Ordem. It is intended for medium-sized…
Nordea
Nordea is a Nordic bank whose Finnish arm, Nordea Bank Abp, offers a business current account packaged as Nordea Digital. The package combines the Nordea…
Nium
Nium is a financial infrastructure provider that offers cross-border payouts, currency conversion and card issuing through one API. It operates through…
Nikulipe
Nikulipe is a payment company that supplies local payment methods to payment service providers and international merchants through a single API integration. It…
Nexpay
Nexpay is a Lithuanian electronic money institution (EMI) that opens business accounts with dedicated IBANs. Fiat accounts are maintained by the licensed…
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.