Overview
Moneybase, at a glance.
Moneybase is an e-money institution headquartered in Malta, regulated by MFSA. Business accounts cost from €9.99 a month. 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.
Client funds are held in segregated bank accounts, separate from Moneybase's own funds. E-money is not covered by Malta's Depositor Compensation Scheme.
Why businesses pick Moneybase
- From €9.99 a month, with no opening fee
- SEPA payments cost a fraction of a percent, capped at €3.99
- Business Mastercard cards are free
- Applicants can live in 36 countries, including the UK, Canada and Australia
- Applications are handled within 48 hours of complete documents
- Local branches in Malta
Watch out for
- Holds only EUR, USD and GBP
- Currency exchange costs 0.95% on the smallest plan
- Crypto, casinos, money transmitters, charities, jewellery and precious metals are not supported
- Cards are only for residents of the EU
- Only four Trustpilot reviews
Business fit
Will Moneybase 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 Moneybase's published rules
Needs review
Moneybase works with Startups, but does not publish the countries it accepts companies from.
Moneybase 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 Moneybase publishes about the businesses it takes on.
Who Moneybase serves
- Startups and SMEs
- Professional services
- E-commerce
All 5 industries on Moneybase's accepted list
- Startups
- SMEs
- Established companies
- Business payments
- Treasury/liquidity and investments
Not supported
Industries and countries Moneybase does not accept, from its own published lists.
Industries
- Adult Entertainment & Red light businesses
- Arms, Defence & Military
- Atomic Power
- Embassies/Consulates
- Casino
- Jewellery
- Marijuana (including medical)
- Mining and Extractive Industries
- Money Service Businesses (MSBs)- Money transmitters
- Non-Bank Financial Institution (NBFI) - Consumer Lawns and Pawn shops
- Non-profit and charity
- Precious Metals & Stones
- Public Administration
- Virtual currencies
Countries
- Not published
Coverage
Where can you use Moneybase?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
3 currencies
Hold and receive · 3 currencies
- EUR
- USD
- GBP
Pay out · 23 currencies
- EUR
- USD
- GBP
- CHF
- CAD
- AUD
- JPY
- AED
- CNH
- CZK
- DKK
- HKD
- HUF
- MXN
- NOK
- NZD
- PLN
- RON
- SEK
- SGD
- THB
- TRY
- ZAR
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency36 countries · show list
- Andorra
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Monaco
- Netherlands
- Norway
- Poland
- Portugal
- San Marino
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- Australia
- Canada
- New Zealand
- United Kingdom
Company types
Companies
Pricing
What does Moneybase 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
Free
Monthly fee
€9.99–85
depends on plan
Small Business
Lowest cost€9.99 per month
€0 setup · €119.88 in year one
Growth
€25 per month
€0 setup · €300 in year one
Enterprise
€85 per month
€0 setup · €1,020 in year one
Transaction fees
| Cost | Small Business | Growth | Enterprise | How it is charged |
|---|---|---|---|---|
| Incoming | ||||
| SWIFT / international | €5 | €5 | €5 | Fixed fee |
| Outgoing | ||||
| SEPA | 0.025%, min €0.2 | 0.02%, min €0.2 | 0.015%, min €0.2 | Percentage, with a minimum charge · Maximum €3.99 |
| SWIFT / international | From €5 | From €5 | From €5 | Fixed fee · With shared charges; from €10 when you pay all charges |
Other fees
Currency exchange (FX)
| Cost | Small Business | Growth | Enterprise | How it is charged |
|---|---|---|---|---|
| FX markup | 0.95% | 0.7% | 0.25% | Percentage of the amount |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge |
| Physical card issue | Free | No charge |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply online
Choose a plan and start the application.
- 2
Company details
Provide the certificate of incorporation and company information.
- 3
People
The applicant must live at an address in a supported country and verify identity.
- 4
Review
Moneybase processes applications within 48 hours of receiving everything.
Documents you need
- Certificate of Incorporation
- M&A, Deed of Partnership or Trust Deed
- Board Resolution
- ID and proof of address for UBOs, partners, beneficiaries, settlors, trustees, directors and signatories
- Ownership chart where applicable
- Audited financials/equivalent and bank statements if requested
FAQ
Your questions, answered.
Is Moneybase a bank?
No. Moneybase Limited is a financial institution licensed by the Malta Financial Services Authority for e-money and payment services. E-money is not covered by Malta's Depositor Compensation Scheme.
How much does Moneybase Business cost?
Small Business costs €9.99 a month, Growth €25 and Enterprise €85, with no opening fee. A SEPA payment costs 0.025% or less, with a €0.20 minimum and a €3.99 maximum. Currency exchange costs 0.95%, 0.7% or 0.25% by plan.
Who can open a Moneybase Business account?
The applicant must live in one of 36 supported countries: the EEA, Switzerland, the UK, Australia, Canada, New Zealand, Andorra, Monaco and San Marino.
Which businesses does Moneybase not support?
Adult entertainment, arms and defence, casinos, jewellery, marijuana, mining, money transmitters, pawn shops, non-profits and charities, precious metals and stones, and virtual currencies.
Does Moneybase offer cards?
Yes. Virtual and physical Mastercard business cards with no ordering fee, for residents of the EU.
Alternatives
How Moneybase compares.
If Moneybase is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 MoneybaseThis pageE-money institution |  | Low feesMastercard cards |
 WamoE-money institution |  | Free planSole traders |
 FinomE-money institution |  | Freelancers and small companiesInvoicing |
 Revolut BusinessBank |   | Cards and spend controlsStartups and SMEs |
 PayseraE-money institution |  | Low fees16 support languages |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.