Overview
Amnis, at a glance.
Amnis is a payment institution headquartered in Liechtenstein, regulated by Financial Market Authority Liechtenstein. Business accounts cost from €19 a month. Opening an account takes 3–5 days.
Client funds are held separately from the company's own assets at EU banks.
Why businesses pick Amnis
- Currency exchange from 0.2% to 0.4%, depending on the plan
- 29 currencies, with an IBAN in your company's name
- Each plan includes a number of local and SWIFT payments
- Team cards with no per-card fee, and expense management
- Support in six languages by phone, email and chat
- 45-day free trial on the Launch plan
Watch out for
- At least one board member must live in the country where the company is registered
- Companies outside the EEA pay €1,000 for a review before applying, with no refund
- Conversions under CHF 10,000 cost more: 1% on the Launch plan
- Holding companies of private individuals, investment companies and shell companies are not accepted
- No Swiss IBAN
Business fit
Will Amnis accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Amnis's published rules
Needs review
Amnis works with SMEs, but does not publish the countries it accepts companies from.
Amnis does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Amnis publishes about the businesses it takes on.
Who Amnis serves
- Import and export
- Startups and SMEs
- Executives and finance teams
- E-commerce
All 6 industries on Amnis's accepted list
- SMEs
- Scale-ups
- International businesses
- Finance teams
- Cross-border commerce
- Import/export and international trade
Not supported
Industries and countries Amnis does not accept, from its own published lists.
Industries
- Groups, legal entities, bodies and similar covered by UN resolutions and EU financial-sanctions acts
- Groups, legal entities, bodies and similar sanctioned for major offences
- Businesses domiciled or banking in FATF non-cooperative jurisdictions
- Shell companies
- Shell banks
- Bearer share corporations
- Unregistered charities, NGO’s
- Holding companies of private individuals
- Investment companies
- Entities without appropriate licences under applicable law
- Pornography, escort services and sale/advertising of sexual services
- Multi-Level Marketing Industry (MLM)
- Precious metals and stones dealers
- Private-to-private cash money remittance
- Labour Broker
- Debt Collection
- Embassies, Diplomatic Missions and Consulates
- Private Security Firms/Private Military Contractors
- Weapons, ammunition and defence equipment
- Sexually explicit content
- Casinos and other Wagering Institutions
- Online Lottery including Internet Gambling
- Non-Fiat Currency
- Bidding fee auctions (penny auctions)
- Used automobile dealers and sellers of used car parts
- Flows not related to commercial transactions
- Crowdfunding, crowdlending and similar activities
- Marketplaces
- Import/export and cross-border logistics including maritime and land-based shipping
Countries
- Not published
Coverage
Where can you use Amnis?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
29 currencies
- EUR
- USD
- GBP
- CHF
- CAD
- AUD
- JPY
- AED
- CNY
- CZK
- DKK
- HKD
- HUF
- IDR
- ILS
- INR
- MXN
- MYR
- NOK
- NZD
- PHP
- PLN
- QAR
- RON
- SEK
- SGD
- THB
- TRY
- ZAR
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Limited companies
Pricing
What does Amnis cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
€19–199
depends on plan
Launch
Lowest cost€19 per month
Setup fee not published
Essential
€59 per month
Setup fee not published
Professional
€199 per month
Setup fee not published
Enterprise
Custom
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Outgoing | ||
| SEPA | €0.5 | Fixed fee · After the local payments included in the plan |
| SWIFT / international | €10 | Fixed fee · After the SWIFT payments included in the plan; €30 when you pay all charges |
Other fees
Currency exchange (FX)
| Cost | Launch | Essential | Professional | Enterprise | How it is charged |
|---|---|---|---|---|---|
| FX markup | 0.4% | 0.3% | 0.2% | Not published | Percentage of the amount · Higher on conversions under CHF 10,000 |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge |
| Physical card issue | Free | No charge |
| ATM withdrawal | 2% | Percentage of the amount · After the free withdrawals included each month |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Digital onboarding
Complete the online onboarding; it takes 30 to 40 minutes.
- 2
Company and people
Give the company, its board members and owners; one board member must live in the company's country.
- 3
Documents
Upload the company documents and identity documents.
- 4
Activation
Amnis advertises activation in 48 hours; local accounts are then created in a few clicks.
Documents you need
- Commercial-register extract
- Ownership chart down to individuals
- Identity/online identification
- Private residential-address proof issued within three months
- Possible bank statement/pre-existing bank relationship
- Additional documents requested in onboarding
FAQ
Your questions, answered.
Is Amnis a bank?
No. AMNIS Europe AG is a payment institution authorised by the Financial Market Authority of Liechtenstein. Client funds are held separately at EU banks.
How much does Amnis cost?
Launch costs €19 a month, Essential €59 and Professional €199. Each includes a number of local and SWIFT payments; extra local payments cost €0.50 and extra SWIFT payments €10. Currency exchange costs 0.4%, 0.3% or 0.2% by plan.
Can a company with directors abroad open an Amnis account?
Only if at least one board member lives in the country where the company is registered. If all directors and owners live abroad, registration cannot be completed.
Does Amnis accept companies outside the EEA?
It may, after a paid review of €1,000 that is not refunded and does not guarantee approval.
Which businesses does Amnis not accept?
Its list includes shell companies, bearer-share corporations, holding companies of private individuals, investment companies, unregistered charities, unlicensed businesses, and adult content.
Does Amnis offer cards?
Yes. Virtual and physical Mastercard debit cards for the team, with no per-card fee.
Alternatives
How Amnis compares.
If Amnis is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 AmnisThis pagePayment institution |  | FX specialistExpense cards |
 EburyE-money institution |   | FX and hedgingInternational trade |
 iBanFirstPayment institution | | FX specialistFree account |
 Wise BusinessE-money institution | | Low FX costsStandard businesses |
 AirwallexE-money institution |   | Global accountsOnline businesses |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.