# Triple-A: Multicurrency business account

> Multicurrency Accounts for businesses that collect euros and pay out worldwide, from a Singapore major payment institution. A company gets a named EUR IBAN in its own name to collect by SEPA and SEPA Instant, with no EU entity needed, and sends the money to bank accounts, stablecoin wallets or local currency in 30+ currencies across 70+ countries. Opening is through the sales team, and prices are agreed at onboarding.

Finzil profile: https://finzil.com/providers/triple-a · Provider website: https://triple-a.io · Facts checked: 2026-10-26

## Key facts

- **Monthly fee:** Not published (agreed at onboarding)
- **Setup fee:** Not published
- **Currencies:** 1 (EUR to collect; payouts in 30+ currencies)
- **Onboarding:** 3–14 business days (for verification, once all documents are in)
- **Provider type:** Major payment institution
- **IBAN:** Named EUR IBAN in your company's name
- **Payment rails:** SEPA and SEPA Instant (to collect EUR; local payouts in 30+ currencies and stablecoin transfers)
- **Cards:** Not published
- **Safeguarding:** Trust account with a safeguarding institution (Singapore)
- **Remote opening:** Yes
- **Non-residents:** Accepted
- **Headquarters:** Singapore
- **Local account details:** EUR (IBAN, SEPA, SEPA Instant)
- **Trustpilot:** 3.7 from 418 reviews (checked 2026-10-26)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Accepted. Non-residents are accepted: owners and directors do not need to live in the country where the company is registered.
- **Countries of incorporation accepted:** Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua & Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bosnia & Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Caribbean Netherlands, Cayman Islands, Chad, Chile, China, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Congo - Brazzaville, Congo - Kinshasa, Cook Islands, Costa Rica, Côte d’Ivoire, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard & McDonald Islands, Honduras, Hong Kong SAR China, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao SAR China, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar (Burma), Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestinian Territories, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Russia, Rwanda, Samoa, San Marino, São Tomé & Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia & South Sandwich Islands, South Korea, South Sudan, Spain, Sri Lanka, St. Barthélemy, St. Helena, St. Kitts & Nevis, St. Lucia, St. Martin, St. Pierre & Miquelon, St. Vincent & Grenadines, Suriname, Svalbard & Jan Mayen, Sweden, Switzerland, Syria, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad & Tobago, Tunisia, Türkiye, Turkmenistan, Turks & Caicos Islands, Tuvalu, U.S. Outlying Islands, U.S. Virgin Islands, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, Wallis & Futuna, Western Sahara, Yemen, Zambia, Zimbabwe (only these)
- **Countries of incorporation refused:** Belarus, Central African Republic, Cuba, Iran, Libya, North Korea, Somalia, Sudan
- **Owner residency accepted:** Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua & Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bosnia & Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cameroon, Canada, Cape Verde, Caribbean Netherlands, Cayman Islands, Chad, Chile, China, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Congo - Brazzaville, Congo - Kinshasa, Cook Islands, Costa Rica, Côte d’Ivoire, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard & McDonald Islands, Honduras, Hong Kong SAR China, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao SAR China, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar (Burma), Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestinian Territories, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Russia, Rwanda, Samoa, San Marino, São Tomé & Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, South Africa, South Georgia & South Sandwich Islands, South Korea, South Sudan, Spain, Sri Lanka, St. Barthélemy, St. Helena, St. Kitts & Nevis, St. Lucia, St. Martin, St. Pierre & Miquelon, St. Vincent & Grenadines, Suriname, Svalbard & Jan Mayen, Sweden, Switzerland, Syria, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad & Tobago, Tunisia, Türkiye, Turkmenistan, Turks & Caicos Islands, Tuvalu, U.S. Outlying Islands, U.S. Virgin Islands, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Venezuela, Vietnam, Wallis & Futuna, Western Sahara, Yemen, Zambia, Zimbabwe
- **Owner residency refused:** Belarus, Central African Republic, Cuba, Iran, Libya, North Korea, Somalia, Sudan
- **Owner nationality refused:** Not published
- **Company types accepted:** Private limited companies

## Industries

- **Industries served:** Import and export, Marketplaces, Financial institutions, E-commerce, Travel, Video games, Professional services, Crypto
- **Prohibited industries (provider's own list):** Services of a sexual nature on-site; Hazardous materials (B2C); Shell banks; Shell companies; Bearer shares entities, nominee/trust structures and other similar structures designed to conceal the identity of the beneficial owner(s); Trade of weapons, ammunitions, military arms, explosive devices and firearm parts, other explosives and dangerous materials; Unfair, predatory or deceptive products and services, including, but not limited to, multi-level marketing, pyramid schemes, unreasonably high reward schemes, referral marketing, etc.; Trade in restricted and/or endangered animal species and derived products; Human body parts or bodily fluids; Extraction of natural resources / energy industry such as oil, natural gas, nuclear, minerals; Any activity that engages in or facilitates activities that are deemed illegal or unlawful in any applicable jurisdiction (source: https://www.triple-a.io/restricted-prohibited-businesses)
- **Permitted industries (provider's own list):** B2B companies selling into Europe; Marketplaces and platforms; PSPs, wallets, EMIs, and banks; E-commerce; Travel and hospitality; Gaming; Professional services; Trading and investment platforms; Creator economy; Cross-border trade (import/export); Web3; IT solutions

## Licences

- Singapore: MAS, Major payment institution, TRIPLE A TECHNOLOGIES PTE. LTD., register no. PS20200525 (https://eservices.mas.gov.sg/fid/institution/detail/233506-TRIPLE-A-TECHNOLOGIES-PTE-LTD)
- France: ACPR, Payment institution, Paytop SAS, register no. 16408 (https://www.regafi.fr/pages/fiche-banque/?refine.id_referentiel=13032&start=0)
- France: Autorité des marchés financiers, Crypto-asset service provider (MiCA), PAYTOP SAS, register no. A2026-015 (https://www.amf-france.org/en/warnings/white-lists/casp/paytop-sas-triple)
- United States: FinCEN, Money services business registration, Triple A Technologies Inc., register no. 31000330633586
- United States: NMLS / state regulators, Money transmitter (state licences), Triple A Technologies Inc., register no. 2514255
- Canada: FINTRAC, Foreign money services business, Triple A Technologies Pte. Ltd., register no. C10001348
- Canada: Bank of Canada, Payment service provider (Retail Payment Activities Act), Triple A Technologies Pte. Ltd. (https://www.bankofcanada.ca/regulatory-oversight/retail-payments/psp-registry/psp-registry-details/?account_id=a8d1efc9-1da2-ef11-a72d-0022483bf164)

Safeguarding: Triple-A is not a bank. Under the Singapore company, customer money is safeguarded under the Payment Services Act in a designated trust account with a safeguarding institution, pooled with other customers' money; the institution is not named and the money is not deposit-insured. Money received for merchant acquisition for customers outside Singapore, and cross-border transfers not received in Singapore, are exempt from safeguarding.

## Fees

Source: https://www.triple-a.io/terms (checked 2026-10-26)

### Plans

- **Multicurrency Account:** Custom pricing

### Currency exchange (FX)

- FX markup: Not published · Negotiated at onboarding; may include a currency conversion spread

## Opening an account

Triple-A states 3 to 14 business days for verification once all documents are received; the dashboard account is created within 24 hours of the contract being signed

1. **Contact sales.** Use "Open an account" on triple-a.io: company, country of registration, industry and expected volume.
2. **Business verification.** Send the KYB documents to Triple-A. Verification takes 3 to 14 business days once all documents are received.
3. **Contract.** Sign the contract with Triple-A. Its support team then creates your dashboard account within 24 hours.
4. **Named IBAN.** Receive your named EUR IBAN and start collecting by SEPA and SEPA Instant.

Documents: Source of wealth and funds of the company; Source of wealth and funds of the directors, beneficial owners and shareholders (25% or more); Business incorporation/registration documents (certificate of incorporation, memorandum and articles / constitution, registry of company, ACRA bizfile); Business ownership / shareholding structure chart; Proof of business address (latest utility bill, internet bill, bank statement); Passport/ID copies of directors, beneficial owners and shareholders (25% or more); Proof of address of directors, beneficial owners and shareholders (25% or more)

## Pros and cons

- Pro: A named EUR IBAN in your company's name, without opening an EU company or bank account
- Pro: Collect euros by SEPA and SEPA Instant, available for payout almost immediately
- Pro: Pay out to bank accounts, stablecoin wallets or local currency in 30+ currencies across 70+ countries
- Pro: Local payouts arrive instantly, the same day or the next day, depending on the country
- Pro: Pre-fund payouts in USD, EUR, GBP, SGD, USDC or USDT
- Pro: Licensed in Singapore and France, with registrations in the US and Canada
- Pro: A dedicated account manager
- Con: Sales-led; sign-up asks for at least $100,000 a month in volume
- Con: No prices published: fees and the currency conversion spread are agreed at onboarding
- Con: EUR is the only currency with account details; USD and SGD collections are planned
- Con: The terms allow an agreed monthly minimum in fees, with any shortfall taken from your balance
- Con: Verification takes 3 to 14 business days after all documents are received
- Con: Companies in Belarus, the Central African Republic, Cuba, Iran, Libya, North Korea, Somalia, Sudan and the Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia regions of Ukraine are refused
- Con: Weapons, multi-level marketing, shell companies and nominee structures are refused; gambling, adult, CBD and financial services need enhanced due diligence

## Finzil's take (opinion)

Triple-A suits a business outside Europe that needs to collect euros in its own name and pay out in emerging-market currencies or stablecoins, at volumes of around $100,000 a month or more. It publishes no prices, so get the fees and the conversion spread in writing before you sign.

## Alternatives

- [Tazapay](https://finzil.com/providers/tazapay): Major payment institution · Singapore
- [BVNK](https://finzil.com/providers/bvnk): E-money institution · UK
- [Airwallex](https://finzil.com/providers/airwallex): E-money institution · UK
- [WorldFirst](https://finzil.com/providers/worldfirst): E-money institution · UK

## FAQ

**Is Triple-A a bank?**

No. Triple A Technologies Pte. Ltd. is licensed by the Monetary Authority of Singapore as a major payment institution (PS20200525). In France, Paytop SAS, trading as Triple-A, is a payment institution authorised by the ACPR (16408) and a crypto-asset service provider licensed by the AMF (A2026-015). In the US, Triple A Technologies Inc. is registered with FinCEN and holds state money transmitter licences (NMLS 2514255). In Canada, the Singapore company is registered with FINTRAC (C10001348) and the Bank of Canada.

**Which Triple-A company holds my EUR IBAN?**

Triple-A does not publish which company issues the named EUR IBAN or the IBAN's country code. Its general terms are with Triple-A Technologies Pte. Ltd. in Singapore and its affiliates, under Singapore law. Ask Triple-A before you open the account.

**How much does Triple-A cost?**

Triple-A publishes no prices. Fees are agreed at onboarding and depend on volume, settlement, currencies and risk; they can include a percentage transaction fee and a currency conversion spread. The terms allow an agreed monthly minimum in fees, with any shortfall taken from the account balance.

**Who can open a Triple-A Multicurrency Account?**

Businesses that collect euros and pay out worldwide, including companies based in Asia or Latin America with no EU entity. Opening is through the sales team, and the sign-up form asks whether the business can commit to at least $100,000 a month in volume. Companies in Belarus, the Central African Republic, Cuba, Iran, Libya, North Korea, Somalia, Sudan and the Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia regions of Ukraine are refused.

**What happened in the July 2026 wallet incident?**

On 25 July 2026 Triple-A found unauthorised access to wallets holding its own digital assets, and some services were in maintenance for about three hours. Triple-A says client funds were not affected: it does not hold digital assets for clients, and client money is kept in trust accounts with safeguarding institutions. It is investigating with the Singapore Police Force. Source: triple-a.io/newsroom/official-statement-regarding-recent-wallet-activity.

**Can I fix an exchange rate for a future payment?**

Triple-A publishes no forward contracts or other hedging tools. Conversions happen inside collections and payouts.

**Does Triple-A accept gambling businesses?**

With approval. Gambling is a restricted industry for a business selling directly, which means extra documents, an in-depth review and stricter monitoring. A payment provider or marketplace serving gambling businesses is refused.

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