Traditional business bank account
- A current account
- Cards
- Payments
- Direct debits
- Lending may be available
Banking & Payments
Business banking across borders
Accounts, payments, cards, FX and operational banking for companies that work across more than one country.
Understand what to compare when your company invoices, pays staff, works with suppliers or holds money internationally.
Business banking is less about the account itself and more about whether money can move reliably through the company.
For an international business, the practical questions are usually operational: can the company open the account, which currencies can it hold, how are suppliers paid, how is payroll handled, what approval controls exist, and what happens as the company expands into new countries?
The right account should fit the company’s structure and workflows — not just its monthly fee.
For entrepreneurs — company structure, banking, hiring and founder mobility in one place.
The basics
What does business banking actually cover?
It is the set of services a company uses to hold money and move it. A current account is one part. Payments, cards, currency and, where offered, credit are the rest.
01
Accounts
Business current accounts, savings and the balances the company uses day to day.
02
Payments
Money in and money out, in the home country and across a border.
03
Cards
Company cards, cards for staff, and the limits around them.
04
FX
Converting a currency, and holding more than one.
05
Cash management
When cash arrives, when it leaves, and what sits in reserve.
06
Credit
An overdraft, working capital, or other lending, where a provider offers it.
Account types
Not every business account solves the same problem
Multi-currency business account
- Balances in more than one currency
- International receipts
- Currency conversion
- Supplier payments in another currency
Payment or fintech account
- Payment infrastructure
- International transfers
- FX tools
- APIs
- Connections to other software
Private or commercial banking
- A relationship for a larger company
- Credit
- Treasury conversations
- A named contact
- More complex cross-border needs
Definitions vary between providers. Always check the legal account structure and actual functionality.
Onboarding
Can the provider actually bank your company?
Business accounts are often slower to open than personal ones, and some providers decline entire sectors or nationalities. Start before the first invoice is due. A formation certificate is not the same as an open account. Eligibility can depend on the points below. This page does not list a provider’s criteria.
- Where the company is incorporated
- What it actually does
- The industry
- Where directors live
- Where shareholders live
- Who the beneficial owners are
- Expected turnover
- Where payments will be sent
- Where the money came from
- Whether the sector is regulated or treated as higher risk
- How long the company has existed
Questions to put to the provider
- Do you support companies incorporated in my jurisdiction?
- Can directors live abroad?
- Can shareholders live abroad?
- Are some industries restricted?
- Is local substance required?
- Is a physical office required?
- Are minimum turnover levels relevant?
- Can startups apply?
Eligibility is a provider decision and can change. Company jurisdiction matters.
Company structure
Where the company is incorporated can affect account access
Incorporation, the countries where you operate, tax residence, where directors live, where customers are, which entity would hold the account, and whether that provider wants the business are separate facts. A provider may weigh all of them.
- 01Company incorporation
- 02Directors and owners
- 03Operating countries
- 04Bank or payment provider
- 05Customers and suppliers
The account provider may look at the entire structure, not only the country printed on the incorporation certificate.
Ownership
Business banking is also about who controls the company
Providers look at beneficial owners, the identity of directors, shareholders, and other people who control the company. A nominee or a chain of companies can make that harder to see. Know-your-customer and know-your-business checks are how they ask. The list opposite is what a provider may request. It is not a universal filing list.
Documents a provider may ask for
- Certificate of incorporation
- Articles or constitution
- Shareholder register
- Director register
- Details of beneficial owners
- Identity documents
- Proof of address
- A description of the business
- A website, invoices, or contracts
- Evidence of where funds come from
Multi-currency
International businesses often need more than one currency
A company may invoice in one currency, receive another, pay suppliers in a third, and run payroll in a fourth. Holding those balances can delay a conversion you do not yet need. The cost of converting, when you do it, still has to be compared.
Customers
- GBP
- EUR
- USD
Business account
- GBP
- EUR
- USD
- AED
An illustration of balances that can sit side by side. Not a recommended set, and not a rate.
Paid out
- Suppliers
- Payroll
- Tax
- Investment
Multi-currency functionality can reduce unnecessary conversions, but FX costs still need to be compared.
FX cost comparisonMoney in
How will customers actually pay you?
A customer may pay by local account details, an international transfer, a card, a payment processor, or a marketplace payout. An invoice currency and the currency that arrives can differ. Ask whether a reference survives, and whether the money converts on the way in.
- Do I get local account details?
- Can I receive payments from third parties?
- Can customers pay in more than one currency?
- Are incoming payments converted automatically?
- Are fees deducted?
- Are payment references preserved?
Money out
Supplier payments need reliability and reconciliation
A domestic supplier and a supplier abroad are different payment jobs. The useful account lets you check the beneficiary, keep the invoice reference, approve the payment, choose the currency, schedule the date, see the fees, and match it afterwards. Batch payments matter once there are many invoices.
- 01Beneficiary verification
- 02Invoice matching
- 03Approval
- 04Currency
- 05Payment date
- 06Bank fees
- 07Reconciliation
Payroll
Payroll becomes more complex when employees are in different countries
Paying people can mean a payroll account, more than one currency, a local payroll firm, and a payment reference a person can recognise. Where someone lives can change the route. An employer-of-record arrangement is a different legal structure from paying from your own account. This page does not describe employment law.
Payroll compliance itself is separate from banking. The account needs to support the payment process, but employment and tax obligations should be reviewed separately.
Employer of Record servicesCards
Business cards should support control, not just spending
A company card, a card for a member of staff, or a virtual card number can each carry a limit, a merchant restriction, or a block on a category of spend. Receipts and an expense record make the payment usable in the accounts. Card use abroad can include a conversion. Cash-machine access is a separate question. This page does not publish a card fee.
- Can I issue more than one card?
- Can limits differ by person?
- Can a card be frozen immediately?
- Are virtual cards available?
- Can receipts be matched to a payment?
- Are overseas card fees clear?
Foreign exchange
FX can become a meaningful operating cost
Customer currency, supplier currency and payroll currency can all differ. The spread, the moment you convert, a conversion you repeat each month, and a single large payment are different decisions. Compare the amount delivered after FX, not only the advertised transfer fee.
Controls
Who is allowed to move company money?
Controls can include one approver, two approvers, permissions by role, a limit on what one person can send, a check before a new beneficiary is paid, and a log of who did what. The useful level depends on the size of the team and the size of the payments.
01
Small team
One person approving a payment may be enough while the company is small and the amounts are familiar.
02
Growing company
A second approval, and permissions that differ by role, become more useful as more people can see the account.
03
Larger business
Several levels of approval, an audit trail, and treasury controls may matter once amounts and entities multiply.
Operations
Good banking data reduces accounting friction
A feed into accounting software, an export, a payment reference, and a receipt against a card payment are what make a transaction reconcilable. Several currencies make that harder if the feed collapses them into one balance.
- Can transactions sync on their own?
- Can the data be exported?
- Are payment references preserved?
- Are balances in several currencies shown cleanly?
- Can an accountant have read-only access?
Automation
Some businesses need banking infrastructure, not just a dashboard
A payment API, an account API, a webhook, balance data and a way to reconcile can matter when payments are part of the product or the daily workflow. What an API can do varies by provider. Ask what is actually offered on the account you would open.
API functionality matters most when payments are part of the product or operational workflow.
Credit
Account access and credit access are separate decisions
An overdraft, working capital, a revolving facility, trade finance, lending against an asset, or finance against invoices are different products. Each has its own assessment. A guarantee may be asked for. Nothing here is an offer or an approval, and this page does not publish a rate or a limit.
- Is an overdraft available?
- Is working-capital finance available?
- Is a personal guarantee required?
- Does where a director lives affect lending?
- Does the age of the company matter?
- Can a limit change?
Large payments need planning and documentation
An acquisition, a property payment, a large supplier contract, a dividend, funding an investment, new capital, or the proceeds of a sale can all need notice, papers, and time for a review.
- 01Tell the provider before the payment date
- 02Verify the beneficiary
- 03Prepare documents for the source of funds
- 04Understand the limits
- 05Confirm how FX will be set
- 06Leave time for a review
- 07Keep a record of the instruction and the arrival
Protection
Understand what kind of account you are using
Company money may be a bank deposit. It may sit with a payment institution or as e-money, safeguarded rather than held as a deposit. The legal entity and its regulator are the facts to ask for. This page does not state a protection amount for any country.
- Is this legally a bank account?
- Who holds the company’s money?
- Which entity is regulated?
- What protection or safeguarding applies?
- What happens if the provider fails?
Provider type
Traditional bank or fintech business account?
Traditional bank
May offer
- Lending
- A wider relationship
- Established payment infrastructure
- Local banking services
Worth asking about
- How long opening takes
- How FX is priced
- Which software it connects to
Fintech or payment provider
May offer
- Several currencies
- Opening in an app
- APIs
- Payment tools
Worth asking about
- Whether lending exists
- How the account is structured
- How customer funds are protected
Neither model is automatically better. It depends on the company’s needs.
Growth
Your banking setup may need to change as the company expands
A new entity, a local subsidiary, a local account, payroll, tax payments, new suppliers and a treasury view can each appear at a different stage. The account that worked in one country may not be the account for the next.
- 01One country
- 02International customers
- 03Foreign suppliers
- 04Foreign employees
- 05More than one entity
- 06Treasury and cash management
Due diligence
Questions worth asking before you open the account
01Which legal entity provides the account?
Ask for the name on the contract, not only the brand in the app.
02Which regulator supervises it?
Ask which authority authorises the entity that holds or safeguards the money.
03Do you support my company jurisdiction?
Ask about the country of incorporation and the countries where the company actually trades.
04Can directors live abroad?
Ask for the countries your directors live in. A yes for one country is not a yes for every country.
05Can shareholders live abroad?
Ask the same question for shareholders and for anyone who controls the company.
06Are any industries restricted?
Some providers decline whole sectors. Ask about yours before you assemble a file.
07Which currencies can the account hold?
Ask for the balances on the account you would open.
08Which local account details are available?
Ask which currencies come with local details, and in the company’s name.
09Can I receive payments from international customers?
Ask whether a third party can pay in, and in which currencies.
10What FX spread applies?
Ask how the rate is set on the amounts you expect to convert. This page does not publish a percentage.
11What transfer fees apply?
Ask for outgoing, incoming and any intermediary charge separately.
12Can I issue employee cards?
Ask how many, and whether each person can have a different limit.
13Are virtual cards available?
Ask whether a card number can be created for a supplier or a subscription.
14Can I set spending limits?
Ask whether limits can sit on a person, a card, or a type of merchant.
15Are dual approvals supported?
Ask whether one person can create a payment and another must release it.
16Are batch payments available?
Ask whether many supplier or payroll payments can be approved together.
17Can the account integrate with accounting software?
Ask which products connect, and whether a feed is included.
18Is API access available?
Ask what an API can do, and whether it is part of the account you would open.
19Is credit available?
An open account does not mean an overdraft or a loan will be offered.
20What protection applies to company funds?
Ask whether the money is a bank deposit and, if it is not, how it is held. This page does not state a protection amount.
21What limits apply to payments?
Ask for the limit on this account and this payment method.
22How are large transfers handled?
Ask about review, documents and how much time to allow.
23What happens if the company expands into another country?
Ask before you rely on the same account for a new entity, payroll or local tax payment.
24Can multiple entities be managed together?
Ask whether related companies can sit under one login, and whose name is on each account.
Watch for
Potential warning signs
Unclear legal entity
The brand is visible and the contracting entity is not.
Unclear protection
You cannot tell whether company money is a bank deposit or held another way.
Unexplained FX costs
A conversion is priced, and you cannot see the rate before you accept it.
A poor fit for your jurisdictions
The provider will not confirm the countries of incorporation, directors or customers.
Thin approval controls
Anyone with a login can send money, with no second check.
A weak audit trail
You cannot see who created a payment, who approved it, or when.
Unclear limits
You cannot get a plain answer on how much the account can send.
Difficult beneficiary management
Adding or checking a supplier is unclear, especially abroad.
Weak international payments
The account cannot explain how a supplier in another currency gets paid.
No answer on expansion
The provider cannot say what happens when you add a country or an entity.
A warning sign is not automatically a reason to reject a provider. It is a reason to investigate further.
Common situations
Different businesses need different banking infrastructure
Situations in which the questions come up. They are not a reason to open a particular kind of account.
01
A UK company selling internationally
The questions are foreign-currency revenue, when conversion happens, and how an overseas customer pays.
02
A remote-first company
The questions are cards for people in more than one country, payroll, and who is allowed to approve a payment.
03
An e-commerce business
The questions are marketplace payouts, card payments from customers, and whether a reference survives into the accounts.
04
A consultancy with overseas clients
The questions are the invoice currency, the currency that arrives, and a reserve for tax.
05
A company entering new countries
The questions are a new entity, a local account, and how people there are paid.
06
A founder after a fundraise
The questions are a large incoming payment, where it came from, who can move it, and how surplus cash is held.
Right fit
Not every business needs complex international banking
A domestic current account can be enough when customers, suppliers and the team all sit in one currency. Complexity should solve a real operational problem.
- Customers are in one country
- Suppliers are in one country
- The company uses one currency
- The team is small
- There is no payroll abroad
- Payments are not part of the product
- One approver is still appropriate
Professional support
When specialist help may be useful
A new country, a new entity, payroll abroad, a large incoming payment, or uncertainty about which entity holds the money are moments to slow down. An accountant, a tax adviser or a lawyer may need to look at the structure. The banking questions on this page do not replace that. Professional advice may be appropriate.
Compare business banking providers
Business accounts for companies operating across borders
Compare international business accounts and payments platforms by company eligibility, currencies, local receiving details, international payments, cards, expense management and integrations.
Not every provider below is a bank. Some provide payment or e-money accounts, while others use regulated partner banks. The legal structure and customer-money protection can therefore differ.
Business account does not always mean bank account
A business payments platform can provide local account details, cards and international transfers without being a traditional deposit-taking bank. Compare the legal entity and customer-money protection before comparing features.
Incorporation and owner residence both matter
A provider may accept companies incorporated in one jurisdiction while restricting businesses whose directors, beneficial owners or operations are based elsewhere.
Local account details are not the same as a local bank
A platform may provide local receiving details in another country without the business having a full domestic banking relationship there.
What to compare
The account needs to fit how the business actually operates
01
Company eligibility
Where must the company be incorporated, and where can directors or beneficial owners live?
02
Legal model
Is this a bank account, a payment account, or a platform using partner banks?
03
Getting paid
Can customers pay using local account details?
04
Currencies
Which currencies can the company hold and receive?
05
International payments
Can the business pay suppliers, contractors and staff globally?
06
Cards and spend
Are physical or virtual cards and team controls available?
07
Accounting
Does the provider integrate with accounting and finance systems?
08
Protection
How is company money legally held and protected?
Different business accounts solve different problems
Business bank
A traditional business banking relationship, with deposits and banking services.
Global payments platform
International collection, holding and payment infrastructure for businesses.
Multi-currency business account
An account designed to receive, hold and pay in several currencies.
US business banking fintech
A technology platform providing business banking through regulated partner banks.
Compare the legal structure and company eligibility before comparing features.
Common use cases
What are you trying to do?
Filter business banking providers
7 providers listed for comparison.
A reach label or a set of local receiving details is not company eligibility, and local details do not mean the business holds a domestic bank account in that country.
Airwallex
Global business payments platform
A global business payments platform. Payment and e-money entities provide Global Accounts in supported markets. This is not a traditional deposit-taking bank in many markets.
Legal model
Payment / e-money institution
Payment and e-money entities. Not a traditional bank in many markets.
- Global reach
- Very high
- Who can open it?
- Businesses operating internationally. Country and entity availability varies.
- Multi-currency
- Global Accounts and a wallet, with local accounts in supported markets.
- Local receiving details
- Yes. Global Accounts provide local bank details in supported markets.
- Company requirement
- Supported jurisdictions. A list of accepted incorporation countries is not stated.
- Owner / director residence
- Not separately stated. Country and entity availability varies.
- Local receiving details
- Yes. Global Accounts provide local bank details in supported markets.
- International payments
- Transfers to 200+ countries, referenced on the current UK business-account page.
- Business cards
- Corporate cards.
- Expense management
- Spend controls and expense management.
- Accounting / integrations
- Xero, Amazon, Shopify and other integrations.
- Getting paid
- Local receiving details through Global Accounts in supported markets.
- Paying suppliers
- Transfers to 200+ countries, referenced on the current UK business-account page.
Fees / minimums
Current global and UK materials promote no opening fee and no minimum transaction requirement for Global Accounts. Market pricing varies.
Customer money. The legal protection depends on the provider entity and how customer funds are held.
Safeguarded customer funds. Funds safeguarded under local regulations. Not equivalent to deposit insurance.
Aspire
Asia-focused business finance platform
An Asia-focused business finance platform. Funds are safeguarded with DBS and other banks on the relevant propositions. This is not a traditional bank deposit account.
Legal model
Finance / payment platform
Finance and payment platform. Customer funds are safeguarded with DBS and other Tier-1 banks on the relevant propositions.
- Global reach
- High
- Who can open it?
- Businesses in supported Asian and global markets. The proposition varies by country.
- Multi-currency
- A 13-currency account on the current Hong Kong page. Broader payments are described as 30+ currencies and 130+ countries.
- Local receiving details
- Local and international account numbers in supported currencies.
- Company requirement
- Supported markets. The proposition varies by country. A country list is not stated.
- Owner / director residence
- Market-dependent. Founder residence is not stated as a separate rule.
- Local receiving details
- Local and international account numbers in supported currencies.
- International payments
- 30+ currencies and 130+ countries on current regional pages. Some pages cite broader rails.
- Business cards
- Corporate cards.
- Expense management
- Spend management and payables.
- Accounting / integrations
- Accounting integrations and finance workflow tools. Named accounting products are not listed.
- Getting paid
- Local and international account numbers in supported currencies.
- Paying suppliers
- Payments in 30+ currencies and to 130+ countries on current regional pages. Some pages cite broader rails, without a further figure stated here.
Fees / minimums
A current Hong Kong business-account page advertises no deposit and no minimum balance. Regional pricing varies.
Customer money. The legal protection depends on the provider entity and how customer funds are held.
Safeguarded customer funds. Safeguarding model, with funds safeguarded with DBS and other Tier-1 banks on the relevant propositions. Not a traditional bank deposit account.
Mercury
US business banking fintech
Mercury is not a bank. It is a US business banking fintech. Banking services are provided through partner banks, and eligible deposits are held through those arrangements.
Legal model
Fintech using partner banks
Fintech, not a bank. Banking services are provided through Choice Financial Group and Column N.A., Members FDIC.
- Global reach
- Medium-high
- Who can open it?
- US-formed companies. Many international founders may qualify, subject to residence restrictions and US operations.
- Primary currency
- Primarily USD. International wires in 40+ currencies. This is not a broad held-currency account.
- Local receiving details
- US banking details.
- Company requirement
- US-incorporated company required.
- Owner / director residence
- International founders may qualify, subject to residence restrictions and US operations.
- Local receiving details
- US banking details.
- International payments
- Domestic and international wires. A US entity is required.
- Business cards
- Business debit and credit cards.
- Expense management
- Spend management, bill pay and invoicing.
- Accounting / integrations
- Accounting and payment integrations and automation. Named accounting products are not listed.
- Getting paid
- US banking details for receiving into a US business account.
- Paying suppliers
- Domestic and international wires. The company must be a US entity.
Fees / minimums
No minimum balance and no required monthly fee for core checking and savings. Certain advanced features charge.
Customer money. The legal protection depends on the provider entity and how customer funds are held.
Partner-bank deposit. Eligible deposits may be FDIC insured through partner banks and a sweep network, subject to programme terms. Mercury itself is not the insured bank.
Payoneer
Global business payment platform
A global business payment platform for receiving, holding and paying. Payoneer states that it is not a bank or a deposit-taking institution.
Legal model
Payments provider, not a bank
Regulated payments provider. Explicitly not a bank or a deposit-taking institution.
- Global reach
- Very high
- Who can open it?
- Businesses, freelancers, ecommerce sellers and marketplaces operating globally.
- Multi-currency
- Receive in 70+ currencies. Local receiving details in 13 currencies. Hold multiple core currencies.
- Local receiving details
- Local receiving account details in 13 major currencies.
- Company requirement
- Not separately stated as an incorporation list.
- Owner / director residence
- Not separately stated.
- Local receiving details
- Local receiving account details in 13 major currencies.
- International payments
- Send and receive across 190+ countries and territories.
- Business cards
- Physical and virtual cards for eligible business use cases.
- Expense management
- Not separately stated.
- Accounting / integrations
- Marketplace and business-platform integrations. Named accounting products are not listed.
- Getting paid
- Local receiving details in 13 currencies, including marketplace and international customer payments.
- Paying suppliers
- Send and receive across 190+ countries and territories.
Fees / minimums
Fees vary by transaction. A current FAQ says no general minimum volume is required to open a business account.
Customer money. The legal protection depends on the provider entity and how customer funds are held.
Segregated customer funds. Customer funds held in segregated accounts. Regulated in multiple jurisdictions.
Revolut Business
Digital business banking platform
A digital business banking and payments platform. The legal entity is a bank or a payment or e-money entity depending on the market. Do not treat it as one legal model worldwide.
Legal model
Bank or payment/e-money entity, depending on market
Bank or payment/e-money entity, depending on the market.
- Global reach
- Very high
- Who can open it?
- Businesses in supported markets. The legal entity and the feature set vary by country.
- Multi-currency
- 25+ to 35+ currencies, depending on the market and the current product.
- Local receiving details
- Local and global details in key currencies and markets.
- Company requirement
- Supported markets. The entity varies by country. A single incorporation list is not stated.
- Owner / director residence
- Market-dependent. Director residence is not stated as a separate rule.
- Local receiving details
- Local and global details in key currencies and markets.
- International payments
- Transfers to 150+ destinations.
- Business cards
- Physical and virtual cards.
- Expense management
- Approvals, spend controls and expenses.
- Accounting / integrations
- Xero, QuickBooks, NetSuite and other integrations.
- Getting paid
- Local and global receiving details in key currencies and markets.
- Paying suppliers
- Transfers to 150+ destinations.
Fees / minimums
Plan-based pricing. Current UK plans start from published monthly tiers. The tier amounts are not repeated here.
Customer money. The legal protection depends on the provider entity and how customer funds are held.
Bank deposit or e-money safeguarding, depending on the market. Entity-specific. It may be a bank deposit or e-money safeguarding, depending on the market.
Statrys
Asia-focused multi-currency business account
An Asia-focused multi-currency business account for international SMEs with a Hong Kong or Singapore orientation. Statrys uses a payment-account model, not a conventional business bank.
Legal model
Payment account, not a conventional bank
Fintech and payment-account model, rather than a conventional business bank.
- Global reach
- Medium
- Who can open it?
- International SMEs with a Hong Kong or Singapore orientation and a supported business profile.
- Multi-currency
- 11 major currencies.
- Local receiving details
- Local currency account functionality.
- Company requirement
- Hong Kong or Singapore orientation, with a supported business profile. A closed country list is not stated.
- Owner / director residence
- Not separately stated.
- Local receiving details
- Local currency account functionality.
- International payments
- Pay and get paid across 120+ countries.
- Business cards
- Physical and virtual cards.
- Expense management
- Not separately stated.
- Accounting / integrations
- Accounting and a corporate-services ecosystem. Named accounting products are not listed.
- Getting paid
- Local currency account functionality for receiving.
- Paying suppliers
- Pay and get paid across 120+ countries.
Fees / minimums
A current Singapore-facing page advertises no monthly fee. Pricing and eligibility vary by market.
Customer money. The legal protection depends on the provider entity and how customer funds are held.
Confirm the holding arrangement. The entity and provider arrangements should be verified for the client’s market. Do not treat this as bank deposit protection.
Wise Business
Multi-currency business account
A multi-currency business account for companies in supported markets. Wise Business is a payment and e-money account, not a traditional bank.
Legal model
Payment / e-money institution
Payment and e-money. Not a traditional bank.
- Global reach
- Very high
- Who can open it?
- International SMEs, freelancers and companies in supported markets.
- Multi-currency
- Hold 40+ currencies.
- Local receiving details
- Available in selected currencies and markets.
- Company requirement
- Supported markets. A list of accepted incorporation countries is not stated.
- Owner / director residence
- Not separately stated.
- Local receiving details
- Available in selected currencies and markets.
- International payments
- Global business transfers, batch payments and APIs.
- Business cards
- Business cards in supported markets.
- Expense management
- Not separately stated.
- Accounting / integrations
- Accounting integrations and API options. Named accounting products are not listed.
- Getting paid
- Local account details in selected currencies and markets.
- Paying suppliers
- Global business transfers, including batch payments and APIs.
Fees / minimums
No high relationship minimum. Conversion fees apply and are published.
Customer money. The legal protection depends on the provider entity and how customer funds are held.
Safeguarded customer funds. Safeguarding framework. Not bank deposit insurance.
Compare international business accounts
Compare the key differences first. Open a provider profile for eligibility, legal structure, fees and detailed account information.
Not all providers are banks.
| Provider | Type | Legal model | Best aligned with | Currencies | Local details | International payments | Cards & expenses | Fees / minimum | View |
|---|---|---|---|---|---|---|---|---|---|
| Global payments platform | EMI / payment institution | International businesses | Multi-currency | Selected markets | 200+ countries | Cards + spend controls | No opening fee | View |
| Business finance platform | Payment platform | Asia-focused businesses | 13-currency account | Supported currencies | 130+ countries | Cards + payables | No stated deposit | View |
| US banking fintech | Partner-bank model | US companies | Primarily USD | US details | Wires, US entity | Cards + spend tools | No monthly minimum | View |
| Business payment platform | Payments, not a bank | Global sellers | 70+ receive | 13 currencies | 190+ countries | Physical + virtual | No volume minimum | View |
| Digital business bank | Bank / EMI by market | Supported-market businesses | 25–35+ currencies | Key markets | 150+ destinations | Cards + expenses | Plan-based | View |
| Multi-currency account | Payment account | HK and Singapore SMEs | 11 currencies | Local currency details | 120+ countries | Physical + virtual | No stated monthly fee | View |
| Multi-currency account | EMI / payment institution | International SMEs | 40+ currencies | Selected markets | Global transfers + API | Business cards | Fees published | View |
| Provider | Type | Best aligned with | Currencies | Key features | Fees / minimum | View |
|---|---|---|---|---|---|---|
| Global payments platform | International businesses | Multi-currency | Local details · Cards · Expenses | No opening fee | View |
| Business finance platform | Asia-focused businesses | 13-currency account | Local details · Cards · Expenses | No stated deposit | View |
| US banking fintech | US companies | Primarily USD | US details · Cards · Expenses | No monthly minimum | View |
| Business payment platform | Global sellers | 70+ receive | Local details · Cards | No volume minimum | View |
| Digital business bank | Supported-market businesses | 25–35+ currencies | Local details · Cards · Expenses | Plan-based | View |
| Multi-currency account | HK and Singapore SMEs | 11 currencies | Local details · Cards | No stated monthly fee | View |
| Multi-currency account | International SMEs | 40+ currencies | Local details · Cards · API | Fees published | View |
Airwallex
Global payments platform
- Best aligned with
- International businesses
- Legal model
- EMI / payment institution
- Currencies
- Multi-currency
- International payments
- 200+ countries
- Features
- Local details · Cards · Expenses
- Fees / minimum
- No opening fee
Aspire
Business finance platform
- Best aligned with
- Asia-focused businesses
- Legal model
- Payment platform
- Currencies
- 13-currency account
- International payments
- 130+ countries
- Features
- Local details · Cards · Expenses
- Fees / minimum
- No stated deposit
Mercury
US banking fintech
- Best aligned with
- US companies
- Legal model
- Partner-bank model
- Currencies
- Primarily USD
- International payments
- Wires, US entity
- Features
- US details · Cards · Expenses
- Fees / minimum
- No monthly minimum
Payoneer
Business payment platform
- Best aligned with
- Global sellers
- Legal model
- Payments, not a bank
- Currencies
- 70+ receive
- International payments
- 190+ countries
- Features
- Local details · Cards
- Fees / minimum
- No volume minimum
Revolut Business
Digital business bank
- Best aligned with
- Supported-market businesses
- Legal model
- Bank / EMI by market
- Currencies
- 25–35+ currencies
- International payments
- 150+ destinations
- Features
- Local details · Cards · Expenses
- Fees / minimum
- Plan-based
Statrys
Multi-currency account
- Best aligned with
- HK and Singapore SMEs
- Legal model
- Payment account
- Currencies
- 11 currencies
- International payments
- 120+ countries
- Features
- Local details · Cards
- Fees / minimum
- No stated monthly fee
Wise Business
Multi-currency account
- Best aligned with
- International SMEs
- Legal model
- EMI / payment institution
- Currencies
- 40+ currencies
- International payments
- Global transfers + API
- Features
- Local details · Cards · API
- Fees / minimum
- Fees published
WiT Access provides general information and comparison resources. Business account eligibility, features, currencies, charges and customer-money protections vary by provider, legal entity and jurisdiction. Nothing on this page constitutes financial, tax or legal advice.
Some providers shown are payment or e-money institutions rather than banks. Local account details do not necessarily mean the business holds a domestic bank account in that country.
Further reading
Related guides
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Related comparisons
Running a business across borders?
Understand the account, payment, FX and control questions that matter before your business banking becomes international.
WiT Access provides general information and comparison resources. Nothing on this page constitutes financial, tax, legal, accounting or credit advice. Business account eligibility, banking services, fees, FX pricing, lending terms and protections vary by provider, company structure and jurisdiction.