EQWIRE Banking
EQWIRE Banking

Business

Access UK and EU payment rails and move money globally through Faster Payments, SEPA and SWIFT.

Simple, modern, and free of traditional bank barriers.


Simple, modern, and free
of traditional bank barriers.

Create Account

Create Account

Create Account

Create Account

FCA-authorised Electronic Money

Simple, modern, and free of traditional bank barriers.


Simple, modern, and free
of traditional bank barriers.

Client funds fully safeguarded

Simple, modern, and free of traditional bank barriers.


Simple, modern, and free
of traditional bank barriers.

Multi-currency accounts

Simple, modern, and free of traditional bank barriers.


Simple, modern, and free
of traditional bank barriers.

Payments via Faster Payments, SEPA & SWIFT

Simple, modern, and free of traditional bank barriers.


Simple, modern, and free
of traditional bank barriers.

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.

For All

For Businesses

For All

For Businesses

phone

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

Gloobal Payouts

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

Business API

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

View for Developers

phone

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

Open a business account

Open a business account

Check if you’re eligible

Check if you’re eligible

Who is it for?

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.

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.

Remote employees

Freelancers & contractors

Company directors & founders

Expats & cross-border professionals in supported countries

Remote emploees

You work for a foreign employer,
often in GBP, EUR or USD.

Examples

A software engineer living in Cyprus, employed by a UK company, paid in GBP.

A marketing manager in Dubai working remotely for an EU agency, paid in EUR.

How they use EQWIRE:

Provide EQWIRE GBP or EUR account details to their employer for salary payments.

Hold part of their income in the original currency; convert only what they need for local spending.

Pay rent, school fees or loans in the UK/EU directly from their GBP/EUR balance.

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.

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02
03
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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.

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.

Open account

Open account

For straightforward low- and medium-risk profiles with complete documentation, onboarding is typically completed within a commercially reasonable timeframe.

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.

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

Open Account

Open Account

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.

Join EQWIRE

Join EQWIRE

Join EQWIRE

Join EQWIRE

Small & medium businesses operating globally.
Freelancers and independent professionals .
Digital service companies
— IT, marketing, consulting, SaaS.
E-commerce, online sellers, and global merchants.
Import/export and international trade operations.
Fintech platforms, integrating payments via API.
and many more...
Background

A broad international payment network

EQWIRE provides access to global payment infrastructure through regulated banking and payment partners.

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.

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).

Lower transaction costs

Avoid SWIFT-only cross-border routing where possible.

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.

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.

CountryCurrencyCut-off (UK)Value DateSendReceive
🇦🇷Argentina
ARS
14:30T+1
🇦🇺Australia
AUD
14:30T+1
🇧🇭Bahrain
BHD
14:30T+1
🇧🇩Bangladesh
BDT
14:30T+1
🇧🇧Barbados
BBD
09:15T+1
🇧🇼Botswana
BWP
09:15T+1
🇧🇷Brazil
BRL
14:30T+1
🇨🇦Canada
CAD
14:30T+0
🇰🇾Cayman Islands
KYD
14:30T+1
🇨🇫Central African Rep.
XAF
14:30T+2

See all currencies

See all currencies

ornament

Power your payments
with EQWIRE

Create your account in minutes and experience smooth, secure global payments.

Join EQWIRE now

Join EQWIRE now

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 in GBP, EUR, and USD with global payment capabilities.

Who can open an EQWIRE account?

What payment networks does EQWIRE support?

Who benefits most from EQWIRE’s services?

What are virtual IBANs?

The new standard in global payments — seamless, compliant, and built for the digital era.

Address

125 Old Broad Street, London, EC2N 1AR

Email

[email protected]

EQWIRE is a UK Electronic Money Institution (EMI) authorised, regulated and supervised by the Financial Conduct Authority (EQWIRE UK Limited, the firm reference number is 901100). Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see How We Protect Your Money page.










For data protection purposes, EQWIRE is registered with the Information Commissioner’s Office as an independent data controller. EQWIRE’s registration reference number is ZA805830.










Copyright 2026 EQWIRE. All rights reserved. EQWIRE name and logo are registered EU trademarks (registration numbers are 018396653 and 018396654). EQWIRE is the trade name of EQWIRE UK Limited, a company registered in England (company registration number is 12533411).









We do not position EQWIRE as a general retail bank. Personal accounts are intended for professionally active individuals who fit our risk appetite.

Privacy Policy

Cookie Policy

Complaints Policy

Website Terms and Conditions

Eligibility & Customer Acceptance Policy

AML & CTF Prevention Statement

EU Client Terms & Conditions

Platform Terms of Use

Privacy Notice

Developed by wsa.design

The new standard in global payments — seamless, compliant, and built for the digital era.

Address

125 Old Broad Street, London, EC2N 1AR

Email

[email protected]

EQWIRE is a UK Electronic Money Institution (EMI) authorised, regulated and supervised by the Financial Conduct Authority (EQWIRE UK Limited, the firm reference number is 901100). Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see How We Protect Your Money page.










For data protection purposes, EQWIRE is registered with the Information Commissioner’s Office as an independent data controller. EQWIRE’s registration reference number is ZA805830.










Copyright 2026 EQWIRE. All rights reserved. EQWIRE name and logo are registered EU trademarks (registration numbers are 018396653 and 018396654). EQWIRE is the trade name of EQWIRE UK Limited, a company registered in England (company registration number is 12533411).









We do not position EQWIRE as a general retail bank. Personal accounts are intended for professionally active individuals who fit our risk appetite.

Privacy Policy

Cookie Policy

Complaints Policy

Website Terms and Conditions

Eligibility & Customer Acceptance Policy

AML & CTF Prevention Statement

EU Client Terms & Conditions

Platform Terms of Use

Privacy Notice

Developed by wsa.design

The new standard in global payments — seamless, compliant, and built for the digital era.

Address

125 Old Broad Street, London, EC2N 1AR

Email

[email protected]


EQWIRE is a UK Electronic Money Institution (EMI) authorised, regulated and supervised by the Financial Conduct Authority (EQWIRE UK Limited, the firm reference number is 901100). Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see How We Protect Your Money page.









For data protection purposes, EQWIRE is registered with the Information Commissioner’s Office as an independent data controller. EQWIRE’s registration reference number is ZA805830.









Copyright 2026 EQWIRE. All rights reserved. EQWIRE name and logo are registered EU trademarks (registration numbers are 018396653 and 018396654). EQWIRE is the trade name of EQWIRE UK Limited, a company registered in England (company registration number is 12533411).









We do not position EQWIRE as a general retail bank. Personal accounts are intended for professionally active individuals who fit our risk appetite.

Privacy Policy

Cookie Policy

Complaints Policy

Website Terms and Conditions

Eligibility & Customer Acceptance Policy

AML & CTF Prevention Statement

EU Client Terms & Conditions

Platform Terms of Use

Privacy Notice

Developed by wsa.design