Business
Multi-currency accounts for global businesses
Access UK and EU payment rails and move money globally through Faster Payments, SEPA and SWIFT.
Access UK and EU payment rails and move money globally through Faster Payments, SEPA and SWIFT.
FCA authorised Electronic Money Institution
Clients funds are safeguarded in accordance with FCA regulation*
Payments via Faster Payments, SEPA & SWIFT
Business
Multi-currency accounts for global businesses
Access UK and EU payment rails and move money globally through Faster Payments, SEPA and SWIFT.
FCA authorised Electronic Money Institution
Clients funds are safeguarded in accordance with FCA regulation*
Payments via Faster Payments, SEPA & SWIFT
For businesses and SMEs
What you can do with EQWIRE
One platform built for the way modern businesses actually move money — domestically and across borders.
Multi-Currency Account
Named IBAN accounts in your company or personal name
Multi-currency balances accessible from one interface, including GBP, EUR, USD, AED, MUR, XCD, ILS, HKD, and CNY
Web and mobile banking for day-to-day operations
Statements and exports for accounting and audit
Multi-Currency Account
Named IBAN accounts in your company or personal name
GBP, EUR and USD balances accessible from one interface
Web and mobile banking for day-to-day operations
Statements and exports for accounting and audit
Multi-Currency Account
Named IBAN accounts in your company or personal name
GBP, EUR and USD balances accessible from one interface
Web and mobile banking for day-to-day operations
Statements and exports for accounting and audit
Payments & FX
Local payments via Faster Payments in the UK
Euro transfers via SEPA
International transfers via SWIFT
Ability to send and/or receive in a wide range of currencies based on our global network
FX conversion with spread-based pricing
View supported network
Payments & FX
Local payments via Faster Payments in the UK
Euro transfers via SEPA
International transfers via SWIFT
Ability to send and/or receive in a wide range of currencies based on our global network
FX conversion with spread-based pricing
View supported network
Payments & FX
Local payments via Faster Payments in the UK
Euro transfers via SEPA
International transfers via SWIFT
Ability to send and/or receive in a wide range of currencies based on our global network
FX conversion with spread-based pricing
View supported network
APIs for SMEs & platforms
REST APIs to initiate payments, create beneficiaries, and fetch balances
Webhooks for status updates and reconciliation
Sandbox for testing before going live
Ideal for SaaS platforms, marketplaces,
payroll providers, and embedded payment solutions
APIs for SMEs & platforms
REST APIs to initiate payments, create beneficiaries, and fetch balances
Webhooks for status updates and reconciliation
Sandbox for testing before going live
Ideal for SaaS platforms, marketplaces,
payroll providers, and embedded payment solutions
APIs for SMEs & platforms
REST APIs to initiate payments, create beneficiaries, and fetch balances
Webhooks for status updates and reconciliation
Sandbox for testing before going live
Ideal for SaaS platforms, marketplaces,
payroll providers, and embedded payment solutions
Batch & mass payments
Batch payments for payroll, suppliers, affiliates and marketplaces
Upload or integrate bulk payment files
Execute hundreds of transfers in one run
Pre-validation to reduce failed or misdirected payments
Real-time status tracking and exportable reports
Role-based approvals to enforce segregation of duties
Batch & mass payments
Batch payments for payroll, suppliers, affiliates and marketplaces
Upload or integrate bulk payment files
Execute hundreds of transfers in one run
Pre-validation to reduce failed or misdirected payments
Real-time status tracking and exportable reports
Role-based approvals to enforce segregation of duties
Batch & mass payments
Batch payments for payroll, suppliers, affiliates and marketplaces
Upload or integrate bulk payment files
Execute hundreds of transfers in one run
Pre-validation to reduce failed or misdirected payments
Real-time status tracking and exportable reports
Role-based approvals to enforce segregation of duties
Who is it for?
Designed for businesess who operate
across borders
Designed for businesess who operate across borders
This is not a mass-market retail account.
It’s a tool for professionals whose income, expenses or life are spread across several countries.
This is not a mass-market retail account. It’s a tool for professionals whose income, expenses or life are spread across several countries.
E-commerce & online retail
Logistics & distribution
IT & software / SaaS providers
Legal, accountancy & advisory firms
Marketing, agencies & intermediaries
Professional services & consultants
E-COMMERCE & ONLINE RETAIL
You sell online and need one account to collect, hold and pay in multiple currencies.
Examples
A UAE e-commerce company selling to UK customers — receives GBP from its PSP directly into EQWIRE.
A European retailer paying US and Asian suppliers monthly via batch transfer.
How they use EQWIRE:
Use EQWIRE GBP, EUR, USD or 60+ currency accounts as settlement accounts from PSPs (Stripe, Adyen, etc.).
Hold balances in the currency of sale; convert only when needed.
Run batch payments for supplier runs, affiliate payouts and 3PL warehouses.
E-commerce & online retail
E-COMMERCE & ONLINE RETAIL
You sell online and need one account to collect, hold and pay in multiple currencies.
Examples
A UAE e-commerce company selling to UK customers — receives GBP from its PSP directly into EQWIRE.
A European retailer paying US and Asian suppliers monthly via batch transfer.
How they use EQWIRE:
Use EQWIRE GBP, EUR, USD or 60+ currency accounts as settlement accounts from PSPs (Stripe, Adyen, etc.).
Hold balances in the currency of sale; convert only when needed.
Run batch payments for supplier runs, affiliate payouts and 3PL warehouses.
Logistics & distribution
IT & software / SaaS providers
Legal, accountancy & advisory firms
Marketing, agencies & intermediaries
Professional services & consultants
How to start?
Fast, structured onboarding — without surprises
We built our onboarding around low- and medium-risk businesses and professionals, so the process is predictable rather than opaque.
Eligibility &
use-case check
You tell us what your business does, where it’s incorporated and how you intend to use the account. We confirm if it fits our risk appetite.
Eligibility &
use-case check
You tell us what your business does, where it’s incorporated and how you intend to use the account. We confirm if it fits our risk appetite.
Digital KYC/KYB
Upload corporate documents, ownership details and ID verification for key individuals through our online onboarding flow.
Digital KYC/KYB
Upload corporate documents, ownership details and ID verification for key individuals through our online onboarding flow.
Compliance review
Our compliance team reviews your application, may ask clarifying questions and then approves, postpones or declines.
Compliance review
Our compliance team reviews your application, may ask clarifying questions and then approves, postpones or declines.
Account setup & access
Once approved, you receive your EQWIRE login, IBAN details, user roles and, where applicable, API credentials.
Account setup & access
Once approved, you receive your EQWIRE login, IBAN details, user roles and, where applicable, API credentials.
For straightforward low- and medium-risk profiles with complete documentation, onboarding is typically completed within a commercially reasonable timeframe.
Institution-grade digital banking infrastructure
Institution-grade digital
banking infrastructure
EQWIRE runs on modern core banking technology and a multi-provider payments network.
You get the stability institutions expect, without the bureaucracy of a traditional bank.
EQWIRE runs on modern core banking technology and a multi-provider payments network. You get the stability institutions expect, without the bureaucracy of a traditional bank.
Modern core banking stack
Real-time balances and transaction posting
Robust ledger and reconciliation engine
Role-based access controls for finance teams
Multi-provider payment network
Access to local rails (FPS, SEPA) and SWIFT through regulated partners
Resilience through multiple providers and routes
Infrastructure designed to scale as your volumes grow
Designed for audit & compliance
Full audit trails of user and admin actions
Integrated KYC/KYB, AML and transaction monitoring
Clear segregation between safeguarded funds and operational funds
Why choose
EQWIRE for business
Global payments without friction
Send and receive via FPS, SEPA and SWIFT — fast and transparent
Multi-currency accounts
GBP, EUR and USD with your own dedicated IBANs
Fast & Digital Onboarding
Open your account fully online — no paperwork, no branch visits
FCA-Regulated & Safeguarded
Authorized as a UK Electronic Money Institution.
Built for Modern Businesses
For freelancers, SMEs, fintechs, and global companies with cross-border needs.
Transparent Pricing
Clear fees. No hidden costs. Full visibility over your transactions.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 19 18" xmlns="http://www.w3.org/2000/svg"><path d="M 7.516 2.561 L 1.061 9.016 L 0 7.955 L 6.455 1.5 L 0.766 1.5 L 0.766 0 L 9.016 0 L 9.016 8.25 L 7.516 8.25 Z" fill="rgb(0, 0, 0)" height="9.0156px" id="LIcbdboyB" transform="translate(4.987 4.5)" width="9.01562px"/></svg>)
Global payments without friction
Send and receive via FPS, SEPA and SWIFT — fast and transparent
Multi-currency accounts
GBP, EUR and USD with your own dedicated IBANs
Fast & Digital Onboarding
Open your account fully online — no paperwork, no branch visits
FCA-Regulated & Safeguarded
Authorized as a UK Electronic Money Institution.
Built for Modern Businesses
For freelancers, SMEs, fintechs, and global companies with cross-border needs.
Transparent Pricing
Clear fees. No hidden costs. Full visibility over your transactions.
A broad international payment network
EQWIRE provides access to global payment infrastructure through regulated banking and payment partners.
This enables faster settlement via local payment rails, with predictable cut-off times, lower costs than SWIFT-only flows, and broad currency coverage for cross-border professionals.
Faster local settlement
Local payment rails where available (Faster Payments, SEPA).
Faster local settlement
Local payment rails where available (Faster Payments, SEPA).
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Lower transaction costs
Avoid SWIFT-only cross-border routing where possible.
Lower transaction costs
Avoid SWIFT-only cross-border routing where possible.
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Predictable settlement
Clear cut-off times and value dates.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 19 18" xmlns="http://www.w3.org/2000/svg"><g d="M 0 0 L 19.5 0 L 19.5 19.5 L 0 19.5 Z M 5.688 12.188 L 3.25 12.188 C 2.801 12.188 2.438 11.824 2.438 11.375 L 2.438 4.875 C 2.438 4.426 2.801 4.063 3.25 4.063 L 13 4.063 C 13.449 4.063 13.813 4.426 13.813 4.875 L 13.813 7.313 M 9.75 15.438 L 6.5 15.438 C 6.051 15.438 5.688 15.074 5.688 14.625 L 5.688 8.125 C 5.688 7.676 6.051 7.313 6.5 7.313 L 16.25 7.313 C 16.699 7.313 17.063 7.676 17.063 8.125 L 17.063 10.156 M 12.929 10.901 C 12.702 10.155 11.976 9.676 11.201 9.759 C 10.426 9.843 9.819 10.466 9.755 11.243 C 9.692 12.02 10.19 12.733 10.941 12.941 M 12.999 15.437 L 17.874 15.437 M 15.437 13 L 12.999 15.437 L 15.437 17.875" fill="transparent" height="19.5px" id="x8Ylc3B4H" transform="translate(0 -1)" width="19.5px"><path d="M 0 0 L 19.5 0 L 19.5 19.5 L 0 19.5 Z" fill="transparent" height="19.5px" id="dPN8SEcxX" width="19.5px"/><path d="M 3.25 8.125 L 0.813 8.125 C 0.364 8.125 0 7.761 0 7.313 L 0 0.813 C 0 0.364 0.364 0 0.813 0 L 10.563 0 C 11.011 0 11.375 0.364 11.375 0.813 L 11.375 3.25" fill="transparent" height="8.125px" id="rh9eikYv3" stroke-dasharray="" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.42" stroke="rgb(0, 0, 0)" transform="translate(2.438 4.063)" width="11.375px"/><path d="M 4.063 8.125 L 0.813 8.125 C 0.364 8.125 0 7.761 0 7.313 L 0 0.813 C 0 0.364 0.364 0 0.813 0 L 10.563 0 C 11.011 0 11.375 0.364 11.375 0.813 L 11.375 2.844" fill="transparent" height="8.125px" id="UHiMt9CVf" stroke-dasharray="" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.42" stroke="rgb(0, 0, 0)" transform="translate(5.688 7.313)" width="11.375px"/><path d="M 3.179 1.151 C 2.952 0.405 2.226 -0.074 1.451 0.009 C 0.676 0.093 0.069 0.716 0.005 1.493 C -0.058 2.27 0.44 2.983 1.191 3.191 M 3.249 5.687 L 8.124 5.687 M 5.687 3.25 L 3.249 5.687 L 5.687 8.125" fill="transparent" height="8.124574184417721px" id="eK4CkDFP9" stroke-dasharray="" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.42" stroke="rgb(0, 0, 0)" transform="translate(9.75 9.75)" width="8.124199628829956px"/></g></svg>)
Batch & automated payouts
Execute multiple payments across supported currencies.
Batch & automated payouts
Execute multiple payments across supported currencies.
Settlement speed and availability depend on the destination currency, local banking system, and cut-off times.
| Country | Currency | Cut-off (UK) | Value Date | Send | Receive |
|---|---|---|---|---|---|
🇦🇷Argentina | ARS | 14:30 | T+1 | ||
🇦🇺Australia | AUD | 14:30 | T+1 | ||
🇧🇭Bahrain | BHD | 14:30 | T+1 | ||
🇧🇩Bangladesh | BDT | 14:30 | T+1 | ||
🇧🇧Barbados | BBD | 09:15 | T+1 | ||
🇧🇼Botswana | BWP | 09:15 | T+1 | ||
🇧🇷Brazil | BRL | 14:30 | T+1 | ||
🇨🇦Canada | CAD | 14:30 | T+0 | ||
🇰🇾Cayman Islands | KYD | 14:30 | T+1 | ||
🇨🇫Central African Rep. | XAF | 14:30 | T+2 |
A broad international payment network
EQWIRE provides access to global payment infrastructure through regulated banking and payment partners.
This enables faster settlement via local payment rails, with predictable cut-off times, lower costs than SWIFT-only flows, and broad currency coverage for cross-border professionals.
Faster local settlement
Local payment rails where available (Faster Payments, SEPA).
Lower transaction costs
Avoid SWIFT-only cross-border routing where possible.
Predictable settlement
Clear cut-off times and value dates.
Batch & automated payouts
Execute multiple payments across supported currencies.
Settlement speed and availability depend on the destination currency, local banking system, and cut-off times.
| Country | Currency | Cut-off (UK) | Value Date | Send | Receive |
|---|---|---|---|---|---|
🇦🇷Argentina | ARS | 14:30 | T+1 | ||
🇦🇺Australia | AUD | 14:30 | T+1 | ||
🇧🇭Bahrain | BHD | 14:30 | T+1 | ||
🇧🇩Bangladesh | BDT | 14:30 | T+1 | ||
🇧🇧Barbados | BBD | 09:15 | T+1 | ||
🇧🇼Botswana | BWP | 09:15 | T+1 | ||
🇧🇷Brazil | BRL | 14:30 | T+1 | ||
🇨🇦Canada | CAD | 14:30 | T+0 | ||
🇰🇾Cayman Islands | KYD | 14:30 | T+1 | ||
🇨🇫Central African Rep. | XAF | 14:30 | T+2 |
Power your payments
with EQWIRE
Create your account in minutes and experience smooth, secure global payments.
Frequently asked questions
Find quick answers about EQWIRE accounts, payments, and onboarding — all in one place.
What is an EQWIRE multi-currency account?
A digital account that allows you to hold and manage funds in multiple currencies, including GBP, EUR, USD, AED, MUR, XCD, ILS, HKD, and CNY, with global payment capabilities.