Business banking and payments for growing companies
Business accounts, payment processing, and financial tools for startups and SMEs — with fast onboarding, no minimum balances, and modern APIs.
Fast onboarding
Account open in 1–3 days with digital KYB.
Multi-currency
Hold and spend in 30+ currencies from day one.
Team cards
Instant virtual and physical cards for the whole team.
No minimums
Start with zero minimum balance requirements.
Startups and SMEs need financial infrastructure that scales with them: fast account opening (days, not weeks), no minimum balance requirements, multi-currency support, and developer-friendly APIs for integration. EMIs like Revolut Business, Wise Business, and Airwallex have disrupted traditional SME banking with transparent pricing, instant card issuance, and global payment capabilities.
Use the matching flow to share your business model, markets and required capabilities. Finzil will surface relevant directory options and the signals behind them.
Revolut Business and Wise Business are the most popular choices for European startups due to fast onboarding, no monthly fees on basic plans, and multi-currency accounts. For UK companies, Monzo Business or Starling Bank offer strong alternatives.
Yes, many EMIs accept non-EU companies. Wise Business, Revolut Business, and Airwallex are particularly flexible. You'll typically need company registration documents, proof of business address, and director ID verification.
EMI accounts offer faster onboarding, lower fees, and better FX rates. Bank accounts offer deposit protection (up to €100K), lending products, and greater institutional credibility. Most startups use an EMI for day-to-day operations and add a bank account when they need credit facilities.