Overview
Moneliq, at a glance.
Moneliq is an e-money institution headquartered in the United Kingdom, regulated by FCA. The company behind Moneliq is Moneliq Ltd. Business accounts cost €10 a month. Opening an account takes 3–5 days.
Moneliq Limited is an e-money institution authorised by the FCA (901056). Customer funds are safeguarded in segregated accounts with regulated credit institutions, separate from its own; e-money is not a deposit and is not covered by the FSCS.
Why businesses pick Moneliq
- €10 or £10 a month on the Lume plans
- GBP, EUR and USD balances
- SEPA, Faster Payments, CHAPS and SWIFT
- Card acquiring and checkout from the same provider
- FCA-authorised e-money institution
Watch out for
- €200 or £200 to open
- SEPA costs €20 in and out
- SWIFT costs 0.3% + 50 in and 0.5% + 75 out
- 2% FX rate
- Cards not yet available; no Trustpilot reviews
Business fit
Will Moneliq 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 Moneliq's published rules
Needs review
Moneliq works with E-commerce, but does not publish the countries it accepts companies from.
Moneliq 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 Moneliq publishes about the businesses it takes on.
Who Moneliq serves
- E-commerce
- Marketplaces
- Startups and SMEs
Not supported
Industries and countries Moneliq does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Moneliq?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
GBP, EUR, USD
- GBP
- EUR
- USD
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Registered legal entities
Pricing
What does Moneliq 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
€200
Monthly fee
€10
Europe Lume
Lowest cost€10 per month
€200 setup · €320 in year one
UK Lume
£10 per month
£200 setup · £320 in year one
Aether
Custom
Transaction fees
| Cost | Europe Lume | UK Lume | Aether | How it is charged |
|---|---|---|---|---|
| Incoming | ||||
| SEPA | €20 | €20 | €20 | Fixed fee |
| SWIFT / international | 0.3% + €50 | 0.3% + €50 | 0.3% + €50 | Percentage plus a fixed fee |
| Outgoing | ||||
| SEPA | €20 | €20 | €20 | Fixed fee |
| Faster Payments (GBP) | €1 | £1 | Not published | Fixed fee |
| CHAPS (GBP) | £35 | £35 | £35 | Fixed fee · In or out; €35 in Europe |
| SWIFT / international | 0.5% + €75 | 0.5% + €75 | 0.5% + €75 | Percentage plus a fixed fee |
| To another Moneliq account | €0.5 | €0.5 | €0.5 | Fixed fee · €0.50 or £0.50 |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | 2% | Percentage of the amount |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Physical card issue | Not offered | Not available · Coming soon |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Register
Choose Business on Moneliq's registration page.
- 2
Company
Give the company's legal details, representative and contact information.
- 3
KYB
Upload identity, address, company, ownership and authority documents and complete sanctions and risk checks.
- 4
Account live
After acceptance, pay the opening fee and use the account.
Documents you need
Not published
FAQ
Your questions, answered.
Is Moneliq regulated?
Yes. Moneliq Limited (company 12213334) is an e-money institution authorised by the FCA, reference 901056. Funds are safeguarded, not covered by the FSCS.
How much does Moneliq cost?
€200 or £200 to open, then €10 or £10 a month on the Lume plans. SEPA costs €20 each way, CHAPS 35, SWIFT 0.3% + 50 in and 0.5% + 75 out, and FX 2%.
Does Moneliq offer cards?
Not yet: the business card is described as coming soon.
Does Moneliq offer card acceptance?
Yes, card acquiring and checkout for online merchants, priced separately.
Alternatives
How Moneliq compares.
If Moneliq is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 MoneliqThis pageE-money institution |  | AcquiringMulti-currency |
 PaysetE-money institution | | 35 currenciesHigh-risk industries |
 3S MoneyE-money institution |   | Local IBANsNon-residents accepted |
 bepiE-money institution | | Virtual IBANsMulti-currency |
 Equals MoneyPayment institution | | Multi-currency IBANExpense cards |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.