Overview
Emoni, at a glance.
Emoni is an e-money institution headquartered in the Netherlands, regulated by DNB, FINTRAC. Pricing is agreed with each client. Opening an account takes 3–5 days.
Customer funds are held in segregated accounts in the name of Stichting Derdengelden iLedgends at ClearBank Europe N.V. They are not deposits and no deposit guarantee applies.
Why businesses pick Emoni
- Dedicated IBANs under the business's own name, with SEPA and SWIFT payments
- Fiat and crypto in one account, with conversion between 60+ currencies and the main cryptocurrencies
- Serves compliance-intensive businesses such as forex and CFD brokers and prop-trading firms, with manual review instead of automated onboarding
- Authorised by De Nederlandsche Bank; customer funds safeguarded at ClearBank Europe
Watch out for
- No prices are published; fees are set in a signed agreement
- Accepted countries, currencies, company types and prohibited industries are not published
- Crypto services are provided by Ledgends Inc. in Canada, outside the Dutch licence
- Authorised as an e-money institution on 16 March 2026, so it has a short record as one
Business fit
Will Emoni 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 Emoni's published rules
Needs review
Emoni works with Forex, but does not publish the countries it accepts companies from.
Emoni 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 Emoni publishes about the businesses it takes on.
Who Emoni serves
- Forex
- Crypto
- Affiliate marketing
- Startups and SMEs
Not supported
Industries and countries Emoni does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Emoni?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
60+ currencies
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does Emoni 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
Not published
Bespoke pricing
Custom
Transaction fees
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Crypto
| Cost | Listed amount | How it is charged |
|---|---|---|
| On-ramp (fiat to crypto) | Not published | |
| Off-ramp (crypto to fiat) | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Define your set-up
Tell emoni whether you need fiat payments, FX or crypto flows.
- 2
Apply
Submit the company's details through the secure onboarding process; checks are adapted to the business activity.
- 3
Approval
emoni reviews the application by hand and approves it.
- 4
Account live
Use IBAN accounts, SEPA and SWIFT payments, FX and crypto conversion.
Documents you need
Not published
FAQ
Your questions, answered.
Is emoni a bank?
No. iLedgends B.V., trading as emoni, is an electronic money institution authorised by De Nederlandsche Bank, relationship number R201891. Customer funds are safeguarded at ClearBank Europe and no deposit guarantee applies.
Who is emoni for?
Compliance-intensive businesses that do not fit automated onboarding, such as forex and CFD brokers, prop-trading firms and fintech platforms. Its clients include XS Com, TopFX and Goat Funded Trader.
How much does emoni cost?
No prices are published. Fees are set in a Fee Schedule signed with each client.
Does emoni offer crypto?
Yes. Businesses can hold and convert major cryptocurrencies alongside fiat. These services come from Ledgends Inc., registered with FINTRAC in Canada, not from the Dutch e-money institution.
Does emoni give IBANs?
Yes. Dedicated IBANs under the business's own name, or its clients' names, for SEPA and SWIFT payments.
Alternatives
How Emoni compares.
If Emoni is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 EmoniThis pageE-money institution |   | Dedicated IBANsFiat and crypto |
 BankeraPayment account provider | Not published | Crypto-friendlyHigh-risk industries |
 ConnectPayE-money institution |  | 80+ currenciesOnline businesses |
 MistertangoE-money institution | | Non-residents acceptedHigh-risk industries |
 PayseraE-money institution |  | Low fees16 support languages |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.