Full-service banking with deposit protection
Fully licensed banks offering deposit protection, lending, and comprehensive financial services for businesses and individuals.
Deposit protection
EU banks protect deposits up to €100,000 per depositor under the Deposit Guarantee Schemes Directive.
Full services
Lending, mortgages, trade finance, FX, and investment products.
Credit access
Overdrafts, revolving credit, and term loans available.
Established trust
Centuries of regulatory oversight and institutional credibility.
Licensed banks offer the full spectrum of financial services including deposit protection (up to €100K in the EU under DGSD), lending, mortgages, and investment products. While onboarding is typically more rigorous than EMIs, banks provide greater security, higher transaction limits, and access to credit facilities — making them essential for established businesses with complex financial needs.
Tell us how you operate and what you need from a bank. We’ll surface relevant licensed banks from the directory and explain the signals behind them.
Yes. Under the EU Deposit Guarantee Schemes Directive (DGSD), deposits are protected up to €100,000 per depositor per bank. In the UK, FSCS covers up to £85,000.
Yes, though requirements vary by bank and country. Many banks require local presence or a registered EU entity. Some specialist banks and EMIs are more flexible for non-resident businesses.
Banks can take deposits, lend money, and are covered by deposit guarantee schemes. EMIs can only hold e-money (not deposits) and cannot lend. EMIs typically offer faster onboarding and lower fees.