Overview
ISX Financial, at a glance.
ISX Financial is an e-money institution headquartered in Cyprus, regulated by Central Bank of Cyprus, FCA. Pricing is agreed with each client. Opening an account takes 3–5 days. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
ISX says short-term funds are held directly with central banks and longer-term funds are safeguarded with credit institutions. This is not deposit insurance.
Why businesses pick ISX Financial
- Licensed in both Cyprus and the UK, with its own bank identifier codes
- EU IBAN and UK account details for one company
- SEPA Instant, Faster Payments and SWIFT in up to 127 currencies
- Works with fintech, e-commerce, marketplaces and financial institutions
- A relationship manager
- Accepts non-residents: owners and directors can live in a different country from the company
Watch out for
- Prices and the exchange margin are not published
- Its terms expect one director, company secretary or owner to live in the EEA, the UK, the Isle of Man, the Channel Islands or the company's own country
- Crypto exchanges outside the EU are not accepted
- Cards are not confirmed
- Trustpilot score of 2.1 from 28 reviews
Business fit
Will ISX Financial 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 ISX Financial's published rules
Needs review
ISX Financial works with Fintech and financial services, but does not publish the countries it accepts companies from.
ISX Financial 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 ISX Financial publishes about the businesses it takes on.
Who ISX Financial serves
- Financial institutions
- E-commerce
- Marketplaces
- Startups and SMEs
All 7 industries on ISX Financial's accepted list
- Fintech and financial services
- International e-commerce
- Digital platforms and marketplaces
- Global enterprises
- Smaller businesses
- Corporations
- Financial institutions
Not supported
Industries and countries ISX Financial does not accept, from its own published lists.
Industries
- Shell companies and anonymous/numbered-account clients
- Individuals/entities convicted of predicate-offence crimes
- Sanctioned persons/entities and connected family members/associates
- Sanctioned activities or acting for sanctioned entities
- Clients from or connected to EU high-risk third countries, EU non-cooperative tax jurisdictions and FATF grey/black lists
- Non-EU crypto exchanges or peer-to-peer virtual-asset trading clients
- Unlicensed businesses requiring a licence
- Deceptive marketing, IP infringement, counterfeit/unauthorised goods, tobacco, e-cigarettes, e-liquids, weapons, ammunition, firearms, precious metals, gemstones and alcoholic products
- Hazardous materials
- Online pharmacies
- Religious organisations
- Child exploitation
- Misaligned declared business profile
- Bearer-share issuers
- Opaque shareholding changes without economic rationale
- Inconsistent UBO source of wealth/income or business background
- Unidentified counterparties or payments without clear economic purpose
- Clients prohibited by a service Scheme Rule
- Uncooperative or excessively secretive clients
- Other excessively high AML/TF-risk clients that cannot be mitigated
Countries
- Not published
Coverage
Where can you use ISX Financial?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
23 currencies
Including EUR, GBP, USD, JPY, CAD and AUD.
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does ISX Financial 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
Corporate account
Custom
Transaction fees
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Enquiry
Submit the open-account form; a team member contacts you.
- 2
Company details
Provide the registered entity, its directors and owners.
- 3
Due diligence
ISX carries out its checks on the business and its ownership.
- 4
Account live
You receive an EU IBAN and UK account details.
Documents you need
Not published
FAQ
Your questions, answered.
Is ISX Financial a bank?
No. ISX Financial EU PLC is an e-money institution authorised by the Central Bank of Cyprus, and ISX Financial UK Ltd is authorised by the FCA, reference 901034.
How much does an ISX Financial account cost?
Prices are not published.
Who can open an ISX Financial account?
A registered company. Its terms expect at least one director, company secretary or owner to live at the company's place of incorporation or in the EEA, the UK, the Isle of Man or the Channel Islands.
Which businesses does ISX Financial not accept?
Its restricted business list includes shell companies, sanctioned parties, clients connected to high-risk or non-cooperative jurisdictions, crypto exchanges outside the EU, and unlicensed businesses.
Which currencies does ISX Financial support?
23 currencies for accounts, with SWIFT payments in up to 127.
Alternatives
How ISX Financial compares.
If ISX Financial is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 ISX FinancialThis pageE-money institution |   | Corporate accountsFintech infrastructure |
 OpenPaydE-money institution |  | Virtual IBANsFintech infrastructure |
 Clear JunctionE-money institution |   | Financial institutionsDigital assets |
 ECOMMBXE-money institution | | Named IBANInternational companies |
 payabl.E-money institution | | 30 currenciesMastercard cards |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.