The BCC Global Trade Banking Index.

Overall

The mean of the three vertical scores.

For importers

Weighted to paying suppliers and the cost of currency: 30% supplier payments, 25% FX, 15% financing, 15% access, 10% protection, 5% getting paid.

For exporters

Weighted to getting paid in the buyer's currency: 30% getting paid, 25% FX, 15% access, 10% each for supplier payments, financing and protection.

For wholesalers and distributors

Weighted to banking access and funding the gap between buying and selling: 25% access and onboarding, 20% financing, 20% supplier payments, 15% FX, 10% getting paid, 10% protection.

Weights by vertical

What each score means

Score out of 100 is the sum of each criterion score divided by five and multiplied by its weight. The overall ranking is the mean of the three vertical scores. Ties are broken by FX cost, then by access. A provider that does not publish a fee is scored as though the fee were high, because a trading business cannot plan on an unpublished fee. FX is scored on the standard published rate, never an introductory, promotional or "from" rate, and a figure counts only when it appears on a pricing, fee or terms page rather than in a marketing line. A provider that serves companies registered in one country only is scored on access for that country, and the limitation is printed in its profile.

Wise Business

Wise Payments Limited is an FCA-authorised e-money institution (FRN 900507) with licensed entities in the US, EU, Brazil, Mexico, Hong Kong and the UAE. It publishes its FX margin against the mid-market rate, which few others do, and gives receiving details in 22 currencies for a one-off £50. It offers no credit or trade finance.

• Getting paid: 5/5. Receiving details in 22 currencies; domestic receipts in USD, EUR, GBP and six other currencies are free.
• Paying suppliers: 4/5. Transfers in more than 40 currencies with the fee shown before sending, from 0.24%; SWIFT fees are quoted per currency rather than as one published figure.
• FX cost: 5/5. The lowest published major-currency margin among the providers that state one: from 0.24% above mid-market.
• Financing: 0/5. No lending, cards on credit or trade finance.
• Access and onboarding: 4/5. Business accounts for companies registered in a long published list including Mexico, Brazil, Colombia, Hong Kong and China; USD details are not available to businesses with addresses in Nigeria, Pakistan, Türkiye, China or the UAE.
• Protection and standing: 4/5. FCA e-money institution; funds safeguarded in cash, government bonds and money market funds; the regulation page lists every licence it holds.

Facts read on 21 October 2026 from: wise.com, wise.com, wise.com, wise.com, wise.com.

WorldFirst

World First UK Limited is an FCA-authorised e-money institution (900508) owned by Ant International. There is no set-up, subscription or receiving fee, FX is up to 0.50% on major currencies, and supplier payments are priced per corridor, for example USD to mainland China at £11.55. The UK site does not publish which countries of registration it accepts.

• Getting paid: 5/5. Local account details in 11 currencies including CNH, MXN and JPY, extra accounts in 8 more, and receiving is free.
• Paying suppliers: 5/5. Published per-corridor fees as low as £0.27 (EUR SEPA) and £0.77 (USD to the US), to 210+ countries.
• FX cost: 4/5. Up to 0.50% on major currencies, with a 0.30% rate for six months; the ceiling is published, the floor is not.
• Financing: 1/5. Forward contracts and a cashback debit card; no lending or trade finance.
• Access and onboarding: 2/5. The UK site is for UK businesses and publishes no list of accepted countries of registration, so access for the countries in this index is unconfirmed.
• Protection and standing: 4/5. FCA e-money institution, part of Ant International with 70+ licences by its own count; safeguarding stated in its terms.

Facts read on 21 October 2026 from: www.worldfirst.com, www.worldfirst.com, www.worldfirst.com, www.worldfirst.com.

Airwallex

Airwallex (UK) Ltd is an FCA-authorised e-money institution (900876) within a group licensed in the US (45 state licences), EU, Hong Kong, Singapore, Australia, Mexico, Brazil, China and Canada. Local transfers to more than 120 countries are free and FX is a flat 0.5% on major currencies. Onboarding is limited to a published list of countries of registration.

• Getting paid: 5/5. Local receiving details in more than 20 currencies across the US, UK, EU, Hong Kong, Singapore, Mexico, the UAE and others, with no collection fee.
• Paying suppliers: 5/5. The widest free local payout network assessed: 120+ countries at no fee, SWIFT £10 to £20.
• FX cost: 3/5. A clear published margin, 0.5% on majors and 1% on the rest, higher than Wise, Statrys and WorldFirst.
• Financing: 1/5. Multi-currency company cards and a yield product; no supplier finance or letters of credit.
• Access and onboarding: 3/5. Eligible countries are published; companies registered in Colombia, Nigeria, Pakistan, Türkiye and the UAE cannot onboard.
• Protection and standing: 4/5. E-money safeguarding in the UK and EU, FDIC pass-through eligibility in the US, 60+ banking partners named by group.

Facts read on 21 October 2026 from: www.airwallex.com, help.airwallex.com, help.airwallex.com, help.airwallex.com.

Statrys

Statrys is licensed as a money service operator in Hong Kong and a major payment institution in Singapore, with client funds held at DBS. It serves only companies incorporated in Hong Kong, Singapore or the BVI, publishes FX from 0.1% on major currencies, opens 96% of accounts within three business days and gives every client a named account manager reachable by WhatsApp.

• Getting paid: 4/5. Eleven currencies on one account number, free Hong Kong collection and local GBP and EUR details; no USD ACH details.
• Paying suppliers: 4/5. Eighteen currencies, SWIFT at HKD 85 and free local EUR and GBP payments.
• FX cost: 5/5. From 0.1% on major currencies, the lowest published margin in this edition.
• Financing: 0/5. Statrys states that it offers no loans or credit lines.
• Access and onboarding: 2/5. Only companies incorporated in Hong Kong, Singapore or the BVI, so the index scores access for those three.
• Protection and standing: 3/5. Licensed in Hong Kong and Singapore with a named custodian bank; no deposit protection scheme applies.

Facts read on 21 October 2026 from: statrys.com, statrys.com, statrys.com.

XTransfer

XTransfer UK Limited is an FCA-authorised payment institution (799099) in a group licensed in mainland China, Hong Kong, the US (33 state licences), Canada, Australia, Singapore and the Netherlands. Accounts are free to open and keep, receiving is free, CNY payments to Chinese suppliers are capped at 0.4%, and it names the banks that hold client funds. It does not publish its FX margin.

• Getting paid: 5/5. Local collection accounts in GBP, EUR, MXN, BRL, COP, AED and twelve African currencies, and free receipt from 200+ countries.
• Paying suppliers: 5/5. Payments from US$2, CNY supplier payments capped at 0.4%, and a network built around China trade.
• FX cost: 1/5. No margin figure is published; the site promises competitive rates without stating them.
• Financing: 0/5. No credit, cards or trade finance on the UK site.
• Access and onboarding: 4/5. Accounts in 200+ countries and regions with 24-hour digital onboarding; the accepted country list is not published as a table.
• Protection and standing: 4/5. FCA authorised payment institution that names the banks holding client funds, an unusual degree of disclosure.

Facts read on 21 October 2026 from: www.xtransfer.com, www.xtransfer.com, www.xtransfer.com, www.xtransfer.com.

Aspire

Aspire serves companies incorporated in 16 countries, mainly Singapore, Hong Kong, China, India, Australia, South East Asia and the US. US accounts cost $0 a month with FX at 0.22% above mid-market and FDIC coverage up to $100 million through Column; Singapore accounts cost $0 or SGD 15 with FX from 0.46%. It holds 13 currencies with local collection in six.

• Getting paid: 3/5. Thirteen holding currencies and six local collection currencies, only SGD and IDR named.
• Paying suppliers: 3/5. Fees published per plan.
• FX cost: 5/5. 0.22% above mid-market on US accounts, the lowest published rate alongside Statrys.
• Financing: 1/5. Cards only.
• Access and onboarding: 2/5. Sixteen countries of incorporation; none in Latin America, Africa, the Gulf or the UK.
• Protection and standing: 4/5. FDIC pass-through through Column and licences in Singapore and Hong Kong.

Facts read on 21 October 2026 from: aspireapp.com, aspireapp.com, aspireapp.com, aspireapp.com, help.aspireapp.com, help.aspireapp.com.

Currenxie

Currenxie is licensed in Hong Kong, the UK (EMI 901010), Ireland and Mexico. Accounts are free, local collection details cover USD, GBP, EUR, HKD, CNH, AUD, CAD, JPY and MXN, and FX is published at the mid-market rate plus 0.35% on major currencies, 0.10% on USD to HKD and up to 0.60% on MXN. It accepts most countries except a published list of 81 and cannot onboard US-registered companies.

• Getting paid: 4/5. Nine local collection currencies including CNH and MXN.
• Paying suppliers: 3/5. Fees published per rail.
• FX cost: 4/5. A published 0.35% on majors with a 0.10% USD to HKD rate.
• Financing: 0/5. None.
• Access and onboarding: 3/5. A published prohibited list of 81 countries including Nigeria and Pakistan; US companies not accepted.
• Protection and standing: 4/5. Four licences across Hong Kong, the UK, Ireland and Mexico.

Facts read on 21 October 2026 from: currenxie.com, currenxie.com, currenxie.com, currenxie.com, currenxie.com, currenxie.com.

Payoneer

Payoneer Inc is a FinCEN-registered money transmitter licensed in every US state that requires it, with e-money licences in Ireland and the UK and payment licences in Hong Kong, Japan, Australia, Singapore and India. It gives local receiving details in 13 currencies to businesses in 190+ countries, now receives and pays USDC and USDT, and offers a working capital advance. Conversion on withdrawal costs 1.2% to 4%.

• Getting paid: 4/5. Local receiving details in 13 currencies including MXN, BRL, AED and HKD; receipts in a non-local currency cost 1%.
• Paying suppliers: 3/5. Payments between Payoneer accounts and withdrawals to banks are priced, but paying an arbitrary supplier's bank account outside the network is routed through withdrawals at 1.2% to 4% with conversion.
• FX cost: 1/5. Conversion on withdrawal runs 1.2% to 4% by corridor, the highest published range in this edition.
• Financing: 3/5. A working capital advance and corporate cards; no letters of credit.
• Access and onboarding: 4/5. Serves businesses in 190+ countries with published guides for Pakistan, Hong Kong and Brazil.
• Protection and standing: 4/5. Licensed across the US, EU and UK plus five Asian markets; partner banks and insurance are not published.

Facts read on 21 October 2026 from: www.payoneer.com, www.payoneer.com, www.payoneer.com, www.payoneer.com.

Mercury

Mercury is a financial technology company whose accounts are held at Choice Financial Group and Column N.A., with up to $5 million of FDIC insurance through sweep networks. It accepts only US-formed companies but takes founders from most countries, charges nothing for ACH, domestic and USD international wires, and 1% on non-USD wires. It holds USD only.

• Getting paid: 2/5. USD receiving only, at no cost; an exporter paid in EUR or GBP needs another account.
• Paying suppliers: 4/5. Free USD wires worldwide and a flat 1% on 40+ other currencies, with no transfer fee.
• FX cost: 2/5. A published 1% with no reference rate stated.
• Financing: 2/5. A credit card on business revenue and venture debt for funded companies; no trade finance.
• Access and onboarding: 3/5. US entity required, founders accepted worldwide except a published list that includes Nigeria and Pakistan; companies formed outside the US cannot use international wires.
• Protection and standing: 4/5. FDIC pass-through up to $5 million and named partner banks.

Facts read on 21 October 2026 from: mercury.com, support.mercury.com, support.mercury.com.

Ebury

Ebury Partners UK Ltd is an FCA-authorised e-money institution (900797) in a group licensed in more than 30 markets including Belgium, the DIFC, Hong Kong, Mexico and Brazil. It offers local collection accounts in 15 currencies and supplier finance of £50,000 to £5 million over 150 days for businesses with £1 million or more of revenue. Its FX margin and account fees are quoted per client and not published.

• Getting paid: 5/5. Local collection accounts in 15 currencies, the widest emerging-market set in this edition after XTransfer.
• Paying suppliers: 2/5. Payment fees are not published.
• FX cost: 1/5. No margin published; quoted per client.
• Financing: 4/5. Supplier finance up to £5 million over 150 days, the only non-bank in the index with a published trade finance facility.
• Access and onboarding: 2/5. No published list of accepted countries of registration; finance needs £1 million of revenue.
• Protection and standing: 4/5. FCA e-money institution within a group holding 30+ licences.

Facts read on 21 October 2026 from: ebury.com, ebury.com, ebury.com, ebury.com, ebury.com, ebury.com.

Verto

VertoFX Ltd is an FCA-authorised e-money institution (901073) operating in the US through Global Innovations Bank. It offers local accounts in GBP, EUR, USD, NGN, KES and ZAR, FX at 0.4% to 0.6% on developed-market currencies, SWIFT payments at USD 20 and free local payments. It publishes pricing for UK, US and Nigerian companies.

• Getting paid: 3/5. Six local-currency accounts including three African currencies, with a collection charge on non-GBP and non-USD receipts.
• Paying suppliers: 3/5. A flat USD 20 SWIFT fee and free local payments.
• FX cost: 3/5. Published tiers of 0.6% down to 0.4%, with exotic currencies up to 2%.
• Financing: 1/5. A card and hedging; no credit.
• Access and onboarding: 3/5. Published pricing for UK, US and Nigerian companies; onboarding time and documents are not published.
• Protection and standing: 3/5. FCA e-money institution; safeguarding by segregation or insurance under its terms.

Facts read on 21 October 2026 from: verto.co, verto.co, verto.co, verto.co.

3S Money

3S Money is a UK e-money provider that opens accounts for non-resident companies from more than 190 countries, excluding a published list of 32, with local IBANs in the UK, the Netherlands and Luxembourg and further IBANs in France and the UAE. Plans cost €100 or €300 a month, FX is advertised from 0.1% on major currencies, and receiving from the EU, UK, US and UAE is free.

• Getting paid: 4/5. Local IBANs in three countries plus French and UAE IBANs, receiving free from the main trade blocs.
• Paying suppliers: 2/5. Payment fees are shown by region in tables that did not render, so they are treated as not published.
• FX cost: 3/5. Advertised "as low as 0.1%" on majors; the standard rate is not published, so the floor does not count and the score reflects a mid-range published offer.
• Financing: 0/5. None.
• Access and onboarding: 4/5. Companies from 190+ countries with a published exclusion list; Pakistan excluded.
• Protection and standing: 3/5. UK e-money provider; regulator wording not captured on the pages read.

Facts read on 21 October 2026 from: 3s.money, 3s.money, 3s.money, 3s.money, 3s.money, 3s.money.

Slash

Slash Financial, Inc is a financial technology company. US checking is provided by Column N.A.; its Global USD account for companies from 100+ countries holds funds in USDSL, Slash's own stablecoin issued by Bridge, and accepts USDC and USDT on nine networks. Cards carry five-figure limits on revenue, and working capital loans come through Slope and Lead Bank.

• Getting paid: 2/5. USD details and stablecoin receipt only; no EUR or GBP collection.
• Paying suppliers: 3/5. $25 international wires and stablecoin payouts; no local rails outside the US.
• FX cost: 1/5. No FX margin published for international wires.
• Financing: 3/5. A charge card on company revenue and working capital loans through partners.
• Access and onboarding: 4/5. Companies from 100+ countries without a US entity, ten-minute application; the country list is not published.
• Protection and standing: 2/5. A fintech whose global account balances sit in its own stablecoin, backed by Treasuries by its own statement and not insured.

Facts read on 21 October 2026 from: www.slash.com, www.slash.com, www.slash.com, www.slash.com.

Revolut Business

Revolut Bank UK Ltd is authorised by the PRA and regulated by the FCA (981170); business e-money services run under Revolut Ltd's EMI authorisation (900562) while customers are migrated. Plans run £10 to £90 a month with interbank FX inside a monthly allowance and 0.6% above it. Only companies registered in the UK, EEA or US can open an account.

• Getting paid: 2/5. Local details in GBP and USD only; all other currencies receive by SWIFT; £8 per incoming Fedwire.
• Paying suppliers: 3/5. Allowance-based pricing then £5 a transfer, with SWIFT OUR charges on top.
• FX cost: 3/5. Interbank inside the allowance is strong for small volumes; 0.6% above it and 1% at weekends.
• Financing: 1/5. Cards, forwards and a savings account; no credit or trade finance published.
• Access and onboarding: 2/5. UK, EEA and US registered companies only; none of the emerging-market countries in this index.
• Protection and standing: 4/5. A PRA-authorised bank entity exists, but business accounts remain safeguarded e-money until moved across; the regulator wording is printed on every page.

Facts read on 21 October 2026 from: www.revolut.com, www.revolut.com, help.revolut.com.

Shield

Shield Security, Inc is a FinCEN-registered money services business, not a bank; money transmission is provided by Bridge Building Inc and other licensed providers, and cards by First Internet Bank of Indiana. It opens US account details for businesses in 120+ countries within 24 hours, collects in BRL, COP, MXN, CAD, EUR and GBP, converts USDT to USD and issues credit cards with five- to seven-figure limits. Its transaction pricing is set per client and not published.

• Getting paid: 3/5. USD details in the company name plus local collection in six currencies and USDT, with the collection mechanics and fees not published.
• Paying suppliers: 2/5. USD and USDT payments to counterparties, settlement in minutes to hours, no published fee schedule.
• FX cost: 1/5. No percentage is published; pricing is contractual per client, which the method scores as unplanned cost.
• Financing: 3/5. Business credit cards with limits set on company revenue and no personal guarantee.
• Access and onboarding: 4/5. Serves 120+ countries with 24-hour onboarding and a phone line; a published prohibited and enhanced-due-diligence list.
• Protection and standing: 2/5. Not itself licensed in any state; relies on a partner's licences and a FinCEN registration, with $1 million of insurance that is not deposit insurance.

Facts read on 21 October 2026 from: shieldfinancial.com, shieldfinancial.com, shieldfinancial.com, shieldfinancial.com, shieldfinancial.com.

OFX

UKForex Limited, trading as OFX, is an FCA-authorised e-money institution (902028) in a group listed on the Australian stock exchange. It receives, holds and pays in 30+ currencies, charges £5 for SWIFT payments and nothing for local ones, and offers 24-hour phone support with dealers for forwards and limit orders. It does not publish its FX margin or its accepted countries.

• Getting paid: 3/5. Local details in four currencies and free domestic receipts.
• Paying suppliers: 4/5. A flat £5 SWIFT fee to 180+ countries and free local payments.
• FX cost: 1/5. No margin is published; rates are quoted per client by volume.
• Financing: 1/5. Hedging tools and a card; no lending.
• Access and onboarding: 2/5. Accepted countries of registration are not published and every account begins with a phone call.
• Protection and standing: 4/5. FCA e-money institution within a listed group with published audited accounts.

Facts read on 21 October 2026 from: www.ofx.com, www.ofx.com, www.ofx.com.

Tazapay

Tazapay Pte Ltd holds a major payment institution licence from the Monetary Authority of Singapore, with money transmitter licences in ten US states, FINTRAC and Bank of Canada registration, AUSTRAC registration and a Hong Kong MSO licence. It collects through local methods in 85+ markets, pays out locally for USD 2 to 5 and by SWIFT for USD 5 to 35, and gives every client a dedicated account manager with WhatsApp support. Account fees and FX are quoted on request.

• Getting paid: 3/5. Named virtual accounts in 35+ currencies and local collection in 85+ markets, with the rail per currency unpublished.
• Paying suppliers: 4/5. Published payout fees, USD 2 to 5 locally and USD 5 to 35 by SWIFT, to 100+ countries.
• FX cost: 1/5. No margin figure is published.
• Financing: 1/5. Escrow for trade settlement; no credit or cards.
• Access and onboarding: 2/5. Accepted countries of incorporation and onboarding time are not published, although support is 24/7 by WhatsApp and Slack with an account manager.
• Protection and standing: 4/5. Licences across Singapore, ten US states, Canada, Australia and Hong Kong, published with numbers.

Facts read on 21 October 2026 from: tazapay.com, tazapay.com, tazapay.com.

Wio Bank

Wio Bank is licensed by the Central Bank of the UAE and serves only UAE trade licence holders and freelancers. Plans cost AED 99 or AED 249 a month with UAE IBANs receiving AED, USD, EUR and GBP, free accounts in nine foreign currencies, business loans up to AED 3 million and a guaranteed AED to USD rate of 3.673. Other FX margins and correspondent charges are not published.

• Getting paid: 3/5. UAE IBANs in four receiving currencies and nine foreign currency accounts.
• Paying suppliers: 2/5. SWIFT at AED 52.50 plus correspondent charges that are not itemised.
• FX cost: 1/5. Only the pegged AED to USD rate is published.
• Financing: 4/5. Loans to AED 3 million, published with rates.
• Access and onboarding: 1/5. UAE trade licence holders only.
• Protection and standing: 5/5. A licensed bank.

Facts read on 21 October 2026 from: wio.io, wio.io, wio.io, wio.io, wio.io, wio.io.

HSBC UK

HSBC UK Bank plc is a bank, with eligible deposits protected by the FSCS up to £120,000. It is the only provider in this edition offering import and export letters of credit, collections, guarantees, buyer loans and receivables finance. It requires UK tax residency, charges £17 for an international payment online and £96 to £180 a year for a foreign currency account, and does not publish its FX margin.

• Getting paid: 2/5. A GBP account; foreign currency accounts carry an annual fee and incoming foreign payments cost £6.
• Paying suppliers: 2/5. £17 per international payment online, the highest published transfer fee in this edition.
• FX cost: 0/5. No margin published; conversion at the bank's quoted rate.
• Financing: 5/5. The full documentary trade toolkit: letters of credit, collections, guarantees, buyer loans and receivables finance.
• Access and onboarding: 2/5. UK tax residents only, with fast opening for small businesses and a relationship manager above that.
• Protection and standing: 5/5. A bank with FSCS protection, the strongest standing in the index.

Facts read on 21 October 2026 from: www.business.hsbc.uk, www.business.hsbc.uk, www.business.hsbc.uk, www.business.hsbc.uk.

iBanFirst

iBanFirst is a Belgian payment institution with an FCA e-money authorisation (1001629) for the UK. It holds 25 currencies on named IBANs, including MXN, CNY, HKD, TRY and AED, with local IBANs in eight European countries. Opening and maintenance are free for businesses exchanging €200,000 or more a year; the FX spread is set at account opening and not published.

• Getting paid: 4/5. Named IBANs in 25 currencies and local IBANs across eight European countries; US collection only for South African clients.
• Paying suppliers: 2/5. Payment fees are not published.
• FX cost: 1/5. No margin published.
• Financing: 0/5. None.
• Access and onboarding: 2/5. EEA and UK companies only, with a €200,000 annual FX minimum to avoid fees.
• Protection and standing: 4/5. Licensed in Belgium and the UK.

Facts read on 21 October 2026 from: ibanfirst.com, info.ibanfirst.com, ibanfirst.com, ibanfirst.com, ibanfirst.com, ibanfirst.com.

Conduit

Conduit is a FinCEN and FINTRAC registered money services business, not a bank, offering named USD accounts, virtual IBANs and USD, EUR and GBP alongside stablecoins for businesses from more than 100 countries under a published country risk ranking. Pricing is tiered and not published beyond a 10 basis point USDT example, with a $35 fee under its 10,000 USD minimum. It publishes no protection statement.

• Getting paid: 3/5. USD accounts and virtual IBANs in three currencies plus stablecoins.
• Paying suppliers: 2/5. Tiered pricing not published.
• FX cost: 1/5. No margin published beyond one example.
• Financing: 0/5. None.
• Access and onboarding: 4/5. A published country risk ranking covering 100+ countries, with Nigeria, Pakistan, China and Türkiye under enhanced due diligence.
• Protection and standing: 1/5. Registrations only, no licence of its own and no statement on where or how funds are protected.

Facts read on 21 October 2026 from: conduitpay.com, conduitpay.com, conduitpay.com, cdn.prod.website-files.com, support.conduitpay.com, support.conduitpay.com.

Bitso Business

Bitso Business operates through licensed entities in Mexico (Nvio, IFPE), Brazil, Argentina, Colombia and Gibraltar, moving $6.7 billion in 2024 for 1,900 or more clients. It holds USD, EUR, BRL, COP, MXN and ARS with local rails in six Latin American countries and issues the MXNB and BRL1 stablecoins. Fees, FX and eligibility are quoted after a preliminary assessment and not published.

• Getting paid: 3/5. Local rails in six Latin American countries, with collection fees not published.
• Paying suppliers: 2/5. Fees not published.
• FX cost: 1/5. No margin published.
• Financing: 0/5. None.
• Access and onboarding: 2/5. Eligibility by country is not published and every account starts with an assessment.
• Protection and standing: 3/5. Licensed entities in five jurisdictions with published volumes.

Facts read on 21 October 2026 from: bitso.com, bitso.com, bitso.com, bitso.com, bitso.com, business.bitso.com.

Flutterwave

Flutterwave serves merchants in Nigeria, Ghana, Kenya, South Africa and other African markets, the UK and the US, where it is a FinCEN-registered MSB with licences in 34 states. Accounts are free with USD, GBP, EUR and AED funding account numbers and USDC, USDT and RLUSD balances. Nigerian pricing is 2% local and 4.8% international; it publishes no FX margin and no protection statement.

• Getting paid: 3/5. Four funding currencies with local or SWIFT routing not stated.
• Paying suppliers: 2/5. Published payout fees of GBP 35, EUR 35 and USD 40 and a 4.8% international rate in Nigeria, the highest in this edition.
• FX cost: 1/5. No margin published.
• Financing: 0/5. None.
• Access and onboarding: 3/5. Serves Africa, the UK and the US; no onboarding time published.
• Protection and standing: 1/5. Licensed in several countries but no statement on how client funds are protected.

Facts read on 21 October 2026 from: flutterwave.com, flutterwave.com, flutterwave.com, flutterwave.com, flutterwave.com, flutterwave.com.

Equals Money

Equals Money is an FCA-regulated UK provider offering a multi-currency account that receives and holds 40 currencies including MXN, NGN, HKD, CNY, TRY and AED, with a cards platform at £25 a month. Multi-currency account pricing and the FX margin are custom and not published. It serves UK businesses; the US is listed as coming soon.

• Getting paid: 3/5. Forty currencies can be received and held, with local details not itemised.
• Paying suppliers: 2/5. Payment fees are custom and not published.
• FX cost: 1/5. No margin published.
• Financing: 1/5. Expense cards only.
• Access and onboarding: 1/5. UK businesses only.
• Protection and standing: 3/5. FCA regulated e-money; regulator wording not captured on the pages read.

Facts read on 21 October 2026 from: equalsmoney.com, equalsmoney.com, equalsmoney.com, equalsmoney.com, equalsmoney.com, equalsmoney.com.

Moneycorp

Moneycorp is an FCA-authorised payment institution (308919) with entities in Ireland, the US, Brazil, Hong Kong and a Gibraltar bank, moving £92 billion a year for 9,000 or more business clients. Accounts are free with a named multicurrency IBAN across 23 currencies, received by SWIFT only. The FX margin is not published and payments may carry a £15 fee.

• Getting paid: 2/5. One IBAN for 23 currencies, but receipts arrive by SWIFT rather than local rails.
• Paying suppliers: 2/5. A possible £15 per payment and no published fee table.
• FX cost: 1/5. No margin published.
• Financing: 0/5. None.
• Access and onboarding: 2/5. Accepted countries not published.
• Protection and standing: 4/5. FCA payment institution with a bank in the group and published volumes.

Facts read on 21 October 2026 from: equalsmoney.com, equalsmoney.com, equalsmoney.com, equalsmoney.com, equalsmoney.com, equalsmoney.com.

Nium

Nium is licensed in the UK, the EU, Singapore, Brazil, Hong Kong, Australia, Canada and Japan and operates in 36 US states through sponsor banks. It collects locally in 28 currencies and holds more than 100, and offers USDC funding and payouts. Its small business account is waitlist only and its fees and FX margin are not published.

• Getting paid: 3/5. Local collection in 28 currencies, which are not listed.
• Paying suppliers: 2/5. Payment fees are not published.
• FX cost: 1/5. No margin published.
• Financing: 0/5. None.
• Access and onboarding: 1/5. The business account is waitlist only and country availability is confirmed on enquiry.
• Protection and standing: 4/5. Licences in nine or more markets, published with numbers.

Facts read on 21 October 2026 from: www.nium.com, www.nium.com, www.nium.com, www.nium.com, www.nium.com, www.nium.com.