European cross-border payment, money transfer and FX providers
43 verified European providers, ranked European-origin first (17 EU/EEA-origin). Money transfers, remittance, multi-currency accounts, FX and international payments. Compare by EEA data residency, licence and regulator - each verified at source.
Cross-border specialists move money between currencies and jurisdictions - multi-currency accounts, FX, SWIFT plus local rails - and the real differentiators hide in the plumbing: which rails are documented per market, where the FX margin sits, and whose licence carries each leg. The account-side economics are unpacked in the IBAN-as-a-service cost guide; for two very different models side by side, see Wise vs Banking Circle.
43 verified providers
Last source verification in this list: 2026-07-30. How we verify →
At a glance (43 providers): licences: 26 EMI, 9 PI, 5 not documented, 2 Bank, 1 Vendor; EEA data residency: 22 Yes, 15 Partial, 6 No; headquarters: 22 UK, 17 EU core, 4 US.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Local IBANs | Account currencies | Verified | Intro |
|---|---|---|---|---|---|---|---|
 AKCENTA | Czechia EU core | PI | Yes | – | – | 2026-07-13 | Request intro |
 Banking Circle | Luxembourg EU core | Bank | Yes | GB DE LU | EUR, GBP, CHF, SEK, DKK | 2026-07-19 | Request intro |
 Currency One | Poland EU core | PI | Yes | – | – | 2026-06-28 | Request intro |
 CurrencyFair | Ireland EU core | PI | Yes | – | – | 2026-06-28 | Request intro |
 Ebury | Spain / UK EU core | EMI | Partial | ES GB BE | EUR, GBP, USD, PLN, SEK +3 | 2026-07-19 | Request intro |
 ECOMMBX | Cyprus EU core | EMI | Yes | CY | EUR, GBP, USD, CHF, PLN +2 | 2026-07-19 | Request intro |
 Fexco | Ireland EU core | PI | Yes | – | – | 2026-07-13 | Request intro |
 Fyorin | Malta EU core | PI | Yes | – | – | 2026-07-20 | Request intro |
 Genome | Lithuania EU core | EMI | Yes | LT | EUR, GBP, USD, CHF, PLN +4 | 2026-07-19 | Request intro |
 iBanFirst | Belgium EU core | PI | Yes | BE | EUR, USD | 2026-07-19 | Request intro |
 Inpay | Denmark EU core | PI | Yes | – | – | 2026-06-26 | Request intro |
 Kantox | Spain EU core | – | Yes | – | – | 2026-06-25 | Request intro |
 Nexpay | Lithuania EU core | EMI | Yes | LT | EUR | 2026-07-19 | Request intro |
 Paysera | Lithuania EU core | EMI | Yes | LT | EUR, GBP, PLN, RON | 2026-07-19 | Request intro |
 TransferMate | Ireland EU core | EMI | Yes | IE | EUR, GBP, USD | 2026-07-19 | Request intro |
 Venly Finance | Belgium EU core | Vendor | Yes | – | – | 2026-07-30 | Request intro |
 Verifo | Lithuania EU core | EMI | Yes | – | – | 2026-06-28 | Request intro |
 3S Money | UK UK | EMI | Partial | – | – | 2026-07-13 | Request intro |
 Alpha Group | UK UK | – | Partial | – | – | 2026-06-26 | Request intro |
 Bilderlings | UK / Latvia UK | EMI | No | GB | EUR, GBP | 2026-07-20 | Request intro |
 BVNK | UK UK | EMI | Partial | – | – | 2026-06-26 | Request intro |
 CAB Payments | UK UK | Bank | Partial | – | – | 2026-06-26 | Request intro |
 Clear Junction | UK / Netherlands UK | EMI | Partial | GB NL | EUR, GBP | 2026-07-19 | Request intro |
 Currencies Direct | UK UK | EMI | Yes | – | – | 2026-07-11 | Request intro |
 Currencycloud | UK UK | EMI | No | GB | EUR, GBP, USD | 2026-07-19 | Request intro |
 Equals Money | UK UK | EMI | No | – | – | 2026-07-12 | Request intro |
 MarTrust | UK UK | EMI | Yes | – | – | 2026-07-11 | Request intro |
 Navro | UK UK | EMI | Yes | – | – | 2026-07-11 | Request intro |
 Nium | UK / Singapore UK | EMI | Partial | GB LT MT | EUR, GBP | 2026-07-19 | Request intro |
 OpenPayd | UK / Malta UK | EMI | Partial | GB NL FR MT | EUR, GBP, USD | 2026-07-19 | Request intro |
 Paysend | UK UK | EMI | Partial | – | – | 2026-06-26 | Request intro |
 Payset | UK UK | EMI | No | GB | EUR, GBP, USD, DKK | 2026-07-19 | Request intro |
 Rapyd | UK UK | EMI | Yes | GB DE DK | EUR, GBP, USD, CHF, PLN +6 | 2026-07-19 | Request intro |
 TransferGo | UK / Lithuania UK | EMI | Yes | – | – | 2026-06-26 | Request intro |
 Verto | UK UK | – | Partial | – | – | 2026-06-26 | Request intro |
 Vitesse | UK UK | PI | Partial | – | – | 2026-07-13 | Request intro |
 Wise | UK / Belgium UK | EMI | Partial | BE GB | EUR, GBP, USD | 2026-07-19 | Request intro |
 WorldFirst | UK UK | EMI | Partial | – | – | 2026-07-13 | Request intro |
 ZEN.com | UK UK | EMI | Yes | – | – | 2026-07-11 | Request intro |
 Airwallex | Australia US | EMI | Partial | – | – | 2026-06-26 | Request intro |
 Convera | US US | PI | Partial | – | – | 2026-06-26 | Request intro |
 Corpay | US US | – | No | – | – | 2026-06-26 | Request intro |
 Payoneer | US US | – | No | – | – | 2026-06-26 | Request intro |
No longer operating (1)
Kept on record on purpose: licences get revoked and providers fail, and checking status before signing is part of due diligence. These are not live options - they are left out of the list and the counts above.
- Conotoxia (Poland) - 2024: KNF revoked its national payment-institution licence
FAQ
What do cross-border payment and FX providers offer?
Multi-currency accounts, FX conversion, international payouts and collection - the rails behind "hold and pay in 30 currencies". Fintechnologica lists 43 verified providers (17 European-origin), with settlement currencies flagged.
European FX provider vs a US platform - does it matter?
For EEA businesses, yes: local IBANs, SEPA-native rails, EEA data residency and EU supervision. Several European providers (Wise, Banking Circle, iBanFirst...) match US platforms on coverage while keeping funds and data under EU jurisdiction.