# Moneliq: Business account

> A UK e-money institution with business accounts in GBP, EUR and USD, SEPA, Faster Payments, CHAPS and SWIFT, and card acquiring for online merchants. Europe or UK Lume plan at €10 or £10 a month after a €200 or £200 opening fee; cards are coming.

Finzil profile: https://finzil.com/providers/moneliq · Provider website: https://moneliq.com · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** €10 (or £10 (UK Lume))
- **Setup fee:** €200 (or £200)
- **Currencies:** 3 (GBP, EUR, USD)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** E-money institution
- **IBAN:** Account details in GBP and EUR
- **Payment rails:** SEPA, Faster Payments, CHAPS, SWIFT
- **Safeguarding:** Segregated accounts
- **Remote opening:** Yes
- **Headquarters:** United Kingdom
- **Currency codes:** GBP, EUR, USD

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not published
- **Countries of incorporation accepted:** Not published
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** Not published
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Registered legal entities

## Industries

- **Industries served:** E-commerce, Marketplaces, Startups and SMEs
- **Prohibited industries (provider's own list):** Not published

## Licences

- United Kingdom: FCA, E-money institution, Moneliq Ltd, register no. 901056 (https://register.fca.org.uk/s/firm?id=0010X00004hi63QQAQ)

Safeguarding: 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.

## Fees

Source: https://moneliq.com/en/pricing-business (checked 2026-10-20)

### Plans

- **Europe Lume:** 10 EUR a month, setup 200 EUR
- **UK Lume:** 10 GBP a month, setup 200 GBP
- **Aether:** Custom pricing

### Incoming

- SEPA: €20
- SWIFT / international: 0.3% + €50

### Outgoing

- SEPA: €20
- Faster Payments (GBP) (UK Lume): £1 · 5 included, then £1
- Faster Payments (GBP) (Europe Lume): €1
- CHAPS (GBP): £35 · In or out; €35 in Europe
- SWIFT / international: 0.5% + €75
- To another Moneliq account: €0.5 · €0.50 or £0.50

### Currency exchange (FX)

- FX markup: 2%

### Cards

- Physical card issue: Not offered · Coming soon

## Opening an 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: Not published

## Pros and cons

- Pro: €10 or £10 a month on the Lume plans
- Pro: GBP, EUR and USD balances
- Pro: SEPA, Faster Payments, CHAPS and SWIFT
- Pro: Card acquiring and checkout from the same provider
- Pro: FCA-authorised e-money institution
- Con: €200 or £200 to open
- Con: SEPA costs €20 in and out
- Con: SWIFT costs 0.3% + 50 in and 0.5% + 75 out
- Con: 2% FX rate
- Con: Cards not yet available; no Trustpilot reviews

## Finzil's take (opinion)

Moneliq's monthly fee is low, but €20 per SEPA transfer, a 2% FX rate and SWIFT from 0.5% plus 75 make it expensive to use, so it suits merchants mainly after its acquiring. For an everyday multi-currency account, Wise or Payset will cost less.

## Alternatives

- [Payset](https://finzil.com/providers/payset): E-money institution · UK
- [3S Money](https://finzil.com/providers/3s-money): E-money institution · UK
- [bepi](https://finzil.com/providers/bepi): E-money institution · UK
- [Equals Money](https://finzil.com/providers/equals-money): Payment institution · UK

## FAQ

**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.

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