Individuals & professionals
What you can do with EQWIRE
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 the detailed network table below
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 Developers & API
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
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.
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.
Name
Credit Card No.
Exp.
09/11
REHAN RAIHAN
1602 0911 2019 2021
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.
For straightforward low- and medium-risk profiles with complete documentation, onboarding is typically completed within a commercially reasonable timeframe.
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Receive salary or contract payments
Keep part of your income unconverted
Pay local expenses
Move money between countries
Important limitations
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.
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.
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
Supported currencies & settlement
Last updated: 26 Feb 2026
| 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 | ||
🇨🇱Chile | CLP | 14:30 | T+1 | ||
🇨🇳China | CNY | 15:00 | T+1 | ||
🇨🇴Colombia | COP | 14:30 | T+2 | ||
🇨🇿Czechia | CZK | 09:15 | T+0 | ||
🇩🇰Denmark | DKK | 12:15 | T+0 | ||
🌎East Caribbean | XCD | 09:15 | T+0 | ||
🇪🇺Europe | EUR | 15:00 | T+0/T+1 | ||
🇫🇯Fiji | FJD | 09:15 | T+1 | ||
🇭🇰Hong Kong | HKD | 14:30 | T+1 | ||
🇭🇺Hungary | HUF | 09:15 | T+0 | ||
🇮🇳India | INR | 14:30 | T+1 | ||
🇮🇩Indonesia | IDR | 14:30 | T+1 | ||
🇮🇱Israel | ILS | 14:30 | T+1 | ||
🇯🇲Jamaica | JMD | 09:15 | T+0 | ||
🇯🇵Japan | JPY | 14:30 | T+1 | ||
🇯🇴Jordan | JOD | 14:30 | T+1 | ||
🇰🇪Kenya | KES | 14:30 | T+1 | ||
🇰🇼Kuwait | KWD | 14:30 | T+1 | ||
🇱🇸Lesotho | LSL | 09:15 | T+1 | ||
🇲🇾Malaysia | MYR | 14:30 | T+1 | ||
🇲🇺Mauritius | MUR | 09:00 | T+1 | ||
🇲🇽Mexico | MXN | 13:15 | T+0 | ||
🇲🇦Morocco | MAD | 14:30 | T+1 | ||
🇳🇵Nepal | NPR | 14:30 | T+1 | ||
🇳🇿New Zealand | NZD | 14:30 | T+1 | ||
🇳🇬Nigeria | NGN | 14:30 | T+1 | ||
🇳🇴Norway | NOK | 12:15 | T+0 | ||
🇴🇲Oman | OMR | 14:30 | T+1 | ||
🇵🇰Pakistan | PKR | 14:30 | T+1 | ||
🇵🇪Peru | PEN | 14:30 | T+1 | ||
🇵🇭Philippines | PHP | 09:15 | T+1 | ||
🇵🇱Poland | PLN | 09:45 | T+0 | ||
🇶🇦Qatar | QAR | 14:30 | T+1 | ||
🇷🇴Romania | RON | 09:15 | T+0 | ||
🇸🇦Saudi Arabia | SAR | 14:30 | T+1 | ||
🇷🇸Serbia | RSD | 14:45 | T+1 | ||
🇸🇬Singapore | SGD | 14:30 | T+1 | ||
🇿🇦South Africa | ZAR | 10:45 | T+0 | ||
🇰🇷South Korea | KRW | 14:30 | T+2 | ||
🇱🇰Sri Lanka | LKR | 09:15 | T+1 | ||
🇸🇪Sweden | SEK | 12:15 | T+0 | ||
🇨🇭Switzerland | CHF | 12:15 | T+0 | ||
🇹🇼Taiwan | TWD | 14:30 | T+2 | ||
🇹🇿Tanzania | TZS | 14:30 | T+2 | ||
🇹🇭Thailand | THB | 09:15 | T+0 | ||
🇹🇹Trinidad & Tobago | TTD | 09:15 | T+1 | ||
🇹🇳Tunisia | TND | 14:30 | T+1 | ||
🇹🇷Turkey | TRY | 09:45 | T+0 | ||
🇺🇬Uganda | UGX | 09:15 | T+1 | ||
🇦🇪United Arab Emirates | AED | 14:30 | T+1 | ||
🇬🇧United Kingdom | GBP | 14:30 | T+0 | ||
🇺🇸United States | USD | 14:30 | T+0 | ||
🇺🇾Uruguay | UYU | 14:30 | T+1 | ||
🇻🇳Vietnam | VND | 14:30 | T+1 | ||
🇸🇳West Africa | XOF | 14:30 | T+2 | ||
🇿🇲Zambia | ZMW | 09:15 | T+1 |
* Currencies with restrictions
** Buy-only currencies
Certain currencies can be received directly or purchased by converting another supported currency, but cannot be sold.
See the Can Receive column for details.
Friday cut-off times
On Fridays, a 16:00 (UK) cut-off applies to currencies normally listed with a 16:30 cut-off. We recommend submitting payments at least 30 minutes before cut-off.
Settlement timing
Settlement depends on the destination currency, local banking system, and cut-off times. T+0 – same day · T+1 – next business day · T+2 – two business days.