Overview
FinXP, at a glance.
FinXP is an e-money institution headquartered in Malta, regulated by MFSA. Pricing is agreed with each client. Opening an account takes 3–5 days.
Client funds are kept separate from FinXP's own money and are not lent or invested. They are not covered by a bank deposit guarantee scheme.
Why businesses pick FinXP
- Dedicated euro IBAN in your company's name, not a pooled account
- Works with iGaming, forex, digital-asset, CBD and payment businesses
- No European company needed to apply
- SEPA Instant and direct debit supported
- Applying is free; the fee is charged on opening
Watch out for
- Opening costs €1,500
- Monthly and transfer fees are in a private tariff and not published
- Holds euros only
- Complex businesses should expect a longer review than the usual few days
- Only two Trustpilot reviews
Business fit
Will FinXP 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 FinXP's published rules
Needs review
FinXP works with Fintechs, but does not publish the countries it accepts companies from.
FinXP 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 FinXP publishes about the businesses it takes on.
Who FinXP serves
- iGaming
- Forex
- Crypto
- Financial institutions
- Marketplaces
- Affiliate marketing
All 13 industries on FinXP's accepted list
- Fintechs
- PSPs and banks
- Marketplaces and platforms
- Payroll and contractors
- Digital assets and Web3
- Affiliate payouts and partner payments
- Ad and marketing networks
- E-commerce merchants
- iGaming
- FX/brokerage
- Blockchain
- Financial services
- CBD
Not supported
Industries and countries FinXP does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use FinXP?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR
- EUR
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does FinXP 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
€1500
Monthly fee
Not published
IBAN4U
Custom
Transaction fees
Other fees
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Enquiry
Contact FinXP with your business and what you need.
- 2
Application
Submit the application; applying is free.
- 3
Review
FinXP assesses the business model, controls and counterparties case by case.
- 4
Account live
You pay the opening fee and receive a euro IBAN in your company's name.
Documents you need
- Certificate of Incorporation
- Memorandum and Articles
- Registry extract showing UBOs/shareholders/directors
- Signed ownership structure chart
- Proof of registered address
- Settlement agreements
- Third Party Questionnaire
- Operating licence where applicable
FAQ
Your questions, answered.
Is FinXP a bank?
No. FinXP Limited is an e-money institution regulated by the Malta Financial Services Authority. Client funds are safeguarded and are not covered by a deposit guarantee scheme.
How much does a FinXP account cost?
Applying is free and opening the account costs €1,500. Monthly and transfer fees depend on industry and volume and are not published.
How long does it take to open a FinXP account?
Opening an account typically takes three to five business days. FinXP says straightforward applications can move quickly, and that complex businesses should expect a longer review.
Does FinXP accept iGaming and crypto businesses?
Yes. FinXP works with iGaming, forex and brokerage, digital-asset and Web3, CBD and payment businesses, assessing each case individually.
Is the FinXP IBAN in my company's name?
Yes. IBAN4U is a dedicated euro IBAN in your company's name, not a pooled or reference account.
Does FinXP offer cards?
Yes. Virtual and physical Mastercard cards; fees are quoted for each programme.
Alternatives
How FinXP compares.
If FinXP is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 FinXPThis pageE-money institution |  | Dedicated EUR IBANHigh-risk industries |
 NexpayE-money institution |  | Dedicated IBANCrypto and gaming |
 NarviE-money institution |  | Dedicated EUR IBANNon-residents accepted |
 WallterE-money institution | | High-risk industriesCrypto-friendly |
 OpenPaydE-money institution |  | Virtual IBANsFintech infrastructure |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.