EQWIRE - Modern Digital Payments & Multi-Currency Banking

Individuals & professionals

A regulated international multi-currency account
for managing income and expenses.

A regulated international multi-currency account for managing income and expenses.

A regulated international multi-currency account
for managing income and expenses.

Create Account

FCA-authorised Electronic Money

Client funds fully safeguarded

Multi-currency accounts

Payments via Faster Payments, SEPA & SWIFT

Payments via Faster Payments,
SEPA & SWIFT

For individuals & professionals

A professional-grade personal experience,
not a basic e-wallet

A professional-grade personal account,
not a basic e-wallet

Everything you get with a personal EQWIRE account. Subject to the same regulated standards as our business clients.

Named account details in three major currencies

UK account details for GBP (Faster Payments support)

European account details for EUR (SEPA support)

International USD account details (SWIFT)

Multi-currency balances

Hold funds in GBP, EUR and USD under one login in multi-currency-accounts.

Avoid unnecessary currency conversion and manage your own FX timing.

FX conversion

Convert between supported currencies at competitive spreads.

See the rate and fees before you confirm the conversion.

Web & mobile access

Secure browser access for full control.

Mobile app (iOS & Android) for day-to-day checks and simple payments.

Cards (coming soon)

Link cards to EQWIRE balances for daily spending

Spend abroad from your multi-currency accounts

Subject to residency and risk profile

Receive salary or contract payments

in GBP, EUR or USD from employers and clients.

Keep part of your income unconverted

(e.g. hold GBP because your long-term costs or investments are in the UK).

Pay local expenses

in the UK and EU via Faster Payments and SEPA without SWIFT charges.

Move money between countries

you live and work in, with clearer costs and timeframes than traditional cross-border transfers.

Open Account

Who is it for?

Designed for people who work and earn 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.

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.

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.

Freelancers & contractors

Company directors & founders

Expats & cross-border professionals in supported countries

What you can do with EQWIRE

What you can do
with EQWIRE

One platform for payments, accounts, and financial freedom.
Built for businesses and individuals who move faster than banks do.

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

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

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

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

Open a personal account

Check if you’re eligible

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.

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

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

Why choose
EQWIRE for individuals

Why choose EQWIRE for individuals

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 individuals working globally

Manage your money across borders with a simple, flexible account.

Transparent Pricing

Clear fees. No hidden costs. Full visibility over your transactions.

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...

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).

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.

Country	Currency	Cut-off (UK)	Value Date
🇦🇷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

See all currencies

Important limitations

Clear boundaries on how
the account can be used

Clear boundaries on how the account can be used

To protect our licence and your funds, EQWIRE personal accounts have specific limitations:

Not a general consumer current account

This is not meant for high-volume retail spending, gambling, crypto speculation or anonymous use.

No cash deposits

We do not support cash lodgements over the counter or via ATMs. All funding must be electronic (bank transfer or approved partner).

No anonymous or third-party use

The account is strictly for your own use. You cannot operate it on behalf of undisclosed third parties, pools of investors or unregistered businesses.

Commercial activity has limits

If your flows look more like a business (e.g. many customer payments, payroll, marketplace payouts), you will be asked to open a business account instead.

Jurisdiction & risk restrictions

Personal accounts are only available to residents of supported countries and subject to our risk appetite. Certain professions, countries and activities cannot be onboarded.

Need consultation?

Talk to Support Team

Power your payments
with EQWIRE

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

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.

Multi-currency accounts that make global payments easy.

A professional-grade personal experience, not a basic e-wallet

A professional-grade personal account, not a basic e-wallet

Named account details in three major currencies

Receive salary or contract payments

Keep part of your income unconverted

Pay local expenses

Move money between countries

Designed for people who work and earn across borders

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

How they use EQWIRE:

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

How they use EQWIRE:

What you can do with EQWIRE

What you can dowith EQWIRE

Multi-Currency Account

Multi-Currency Account

Payments & FX

View supported network

Payments & FX

View supported network

APIs for SMEs & platforms

View for Developers

APIs for SMEs & platforms

View for Developers

Batch & mass payments

Batch & mass payments

Fast, structured onboarding — without surprises

Eligibility & use-case check

Digital KYC/KYB

Compliance review

Account setup & access

Why choose EQWIRE for individuals

Why choose EQWIRE for individuals

Global payments without friction

Multi-currency accounts

Fast & Digital Onboarding

FCA-Regulated & Safeguarded

Built for individuals working globally

Transparent Pricing

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...

A broad international payment network

Faster local settlement

Faster local settlement

Lower transaction costs

Lower transaction costs

Predictable settlement

Batch & automated payouts

Batch & automated payouts

Clear boundaries on how the account can be used

Clear boundaries on how the account can be used

Power your payments with EQWIRE

Frequently asked questions

What is an EQWIRE multi-currency account?

Who can open an EQWIRE account?

What payment networks does EQWIRE support?

Who benefits most from EQWIRE’s services?

What are virtual IBANs?

A professional-grade personal experience,
not a basic e-wallet

A professional-grade personal account,
not a basic e-wallet

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

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

What you can do
with EQWIRE

Eligibility &
use-case check

Why choose
EQWIRE for individuals

Digital service companies
— IT, marketing, consulting, SaaS.

Clear boundaries on how
the account can be used

Power your payments
with EQWIRE