Overview
Pliant, at a glance.
Pliant is an e-money institution headquartered in Germany, regulated by FIN-FSA. Pricing is agreed with each client. Opening an account takes 3–5 days.
Money in a Pliant account is electronic money, not a deposit, and does not earn interest.
Why businesses pick Pliant
- Visa corporate credit cards with limits and approvals for every team member
- Electronic-money accounts in 12 currencies
- Single-use virtual cards, Apple Pay and Google Pay, and cashback on the Standard plan depending on volume
- Links to accounting, invoice and travel tools
- Trustpilot score of 4.4 from 228 reviews
Watch out for
- Built for companies spending at least €10,000 a month on cards
- Not for freelancers, sole traders or microenterprises
- Approval depends on credit checks as well as identity checks
- Card payments in other currencies cost 2.5%, and cash withdrawals 2%
- Plan prices and accepted industries are not published
Business fit
Will Pliant 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 Pliant's published rules
Needs review
Pliant works with Startups and SMEs, but does not publish the countries it accepts companies from.
Pliant 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 Pliant publishes about the businesses it takes on.
Who Pliant serves
- Startups and SMEs
- Executives and finance teams
- IT and software
- Professional services
Not supported
Industries and countries Pliant does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Pliant?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
12 currencies
Hold and receive · 12 currencies
- EUR
- USD
- GBP
- CHF
- AED
- CZK
- DKK
- HUF
- NOK
- PLN
- RON
- SEK
Pay out · 12 currencies
- EUR
- USD
- GBP
- CHF
- AED
- CZK
- DKK
- HUF
- NOK
- PLN
- RON
- SEK
Payment reach
Not published
Who can apply
Company incorporation countries30 countries · show list
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czechia
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Ireland
- Iceland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Corporations, Private companies, Partnerships, Associations
Pricing
What does Pliant 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
Light
Custom
Standard
Custom
Custom
Custom
Transaction fees
Other fees
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge |
| Card FX | 2.5% | Percentage of the amount |
| ATM withdrawal | 2% | Percentage of the amount · Of the amount withdrawn |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is Pliant a bank?
No. Pliant's accounts and cards are issued by Pliant Oy, a Finnish electronic-money institution authorised by the Finnish Financial Supervisory Authority. Money in an account is electronic money, not a deposit.
Who is Pliant for?
Companies, partnerships and associations in the EEA with substantial card spend, from about €10,000 a month. Pliant says it is not suitable for freelancers, sole traders or microenterprises.
Which currencies does Pliant support?
EUR, CHF, CZK, DKK, GBP, HUF, NOK, PLN, RON, SEK, USD and AED.
How much does Pliant cost?
Pliant does not publish its monthly plan prices. Card payments in other currencies cost 2.5%, cash withdrawals 2% of the amount, and virtual cards cost nothing extra.
Alternatives
How Pliant compares.
If Pliant is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 PliantThis pageE-money institution |  | Credit cardsMulti-currency accounts |
 PayhawkE-money institution |   | Expense cardsSpend management |
 SpendeskPayment institution |  | Expense cardsSpend management |
| MossE-money institution |  | Expense cardsFree plan |
| PleoE-money institution |  | Expense cardsSpend management |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.