European cross-border payment, money transfer and FX providers

AKCENTA (Hradec Kralove, Czech Republic; founded 1997) - one of Central Europe's largest non-bank FX and payments providers for SMEs: foreign exchange, international payments and hedging for approx. 43,000 clients across CZ, SK, HU, PL, RO and DE. Payment institution (Czech National Bank). Member of the Raiffeisen Bank International group since 2021 - ownership flag (EU).

🏦 Local IBANs: GB DE LU

Banking Circle S.A. (Luxembourg) - cross-border banking, accounts, payments and settlement for banks, PSPs and fintechs; issues the EURI euro stablecoin. Credit institution, CSSF (LUB00000408); not the unrelated 'Circle Group S.A.'.

Currency One S.A. (Poznan) - operator of Walutomat (P2P currency exchange, since 2009) and InternetowyKantor.pl. Krajowa Instytucja Platnicza (national payment institution) licensed by KNF (since 2015-07-21); online FX, payment accounts, transfers.

CurrencyFair (Dublin, Ireland) - peer-to-peer currency exchange + international money transfers (20+ currencies). Payment institution authorised by the Central Bank of Ireland (firm ref C57373, EU Payment Services Regs 2018); also regulated in AU (ASIC) and SG (MAS).

🏦 Local IBANs: ES GB BE

EMI FCA (Ebury Partners UK) + Ebury Partners Belgium (EEA) + Spain branch (Bank of Spain reg 6889); own-IBAN accounts; majority Santander.

🏦 Local IBANs: CY

ECOMMBX (Cyprus) - business IBAN accounts in the company's own name, cross-border payments, cards, acquiring and multi-currency (ECOMMVERSE platform). Cypriot EMI (Central Bank of Cyprus).

Fexco (Killorglin, Ireland; founded 1981) - one of Europe's original fintechs (2,300+ staff, operations in 29 countries): dynamic currency conversion (DCC) pioneer, multi-currency pricing, tax-free shopping and international payments/FX; 2026 Visa partnership extends DCC reach. Payment institution (Central Bank of Ireland).

Fyorin (Malta) - unified treasury & financial-operations platform; global multi-currency accounts (100+ currencies), global IBANs via a network of Tier-1 institutions (partner-issued, not own-licence issuance), rails documented: SEPA, SWIFT, Faster Payments, ACH; FX. MFSA-licensed payment institution (Financial Institutions Act, licence PLIM16) + registered AISP.

🏦 Local IBANs: LT

Genome (UAB Maneuver, Lithuania; since 2018) - LT IBANs, accounts and cards. EMI LB000453 (Bank of Lithuania).

🏦 Local IBANs: BE

iBanFirst (Belgium) - own IBAN accounts and cross-border multi-currency payments. Payment institution, National Bank of Belgium (company 0849.872.824).

Inpay (Copenhagen, Denmark) - cross-border payments via a global correspondent/settlement network for banks, FIs, iGaming, NGOs. Danish payment institution; multi-currency.

Kantox (Barcelona / London) - B2B FX and currency-management automation; acquired by BNP Paribas.

🏦 Local IBANs: LT

UAB NexPay (reg 304708124) - EMI, Bank of Lithuania; dedicated IBANs + payments for digital businesses; passported across 30 EEA; SEPA (SCT/Inst) + SWIFT (BIC NEUALT21). Also crypto OTC (Nexdesk).

🏦 Local IBANs: LT

Paysera (Lithuania; since 2012) - LT IBANs, SEPA, multi-currency accounts and cards. EMI LB000251 (Bank of Lithuania).

🏦 Local IBANs: IE

TransferMate (Ireland) - multi-currency accounts with a broad global licence footprint. EMI, Central Bank of Ireland.

Verified Payments UAB (Verifo, Vilnius) - EMI for international corporate clients; multi-currency accounts, money remittance, currency exchange, SEPA + SWIFT. EMI licence No. 27 (Bank of Lithuania, 2018-02-13); passported to 28 EEA states.

3S Money (London, UK; founded 2018) - multi-currency business accounts for international trade: local accounts in the UK, Netherlands, Luxembourg, Denmark and Germany with multi-currency IBANs for high-value corporate payments. Licensed EMI with the FCA (UK) and CSSF (Luxembourg), plus DFSA (UAE) and Hong Kong registrations.

Alpha Group International (London, UK; LSE) - B2B currency-risk management, FX & cross-border payments for corporates/funds. Acquisition by Corpay (US) announced 2025.

🏦 Local IBANs: GB

Bilderlings (Bilderlings Pay Ltd; Latvian-founded, London) - business and personal multi-currency IBAN accounts (17 currencies), SWIFT/SEPA, Mastercard scheme participant and card issuing. FCA-authorised EMI (No 900637).

BVNK (London, UK) - stablecoin-powered cross-border payments & settlement (USDC/USDT/EURC rails). EU EMI (Belgium). Mastercard acquisition announced (up to USD 1.8bn, closing 2026).

CAB Payments (London, UK; LSE-listed) - B2B cross-border payments & FX into hard-to-reach / emerging-market currencies; via Crown Agents Bank (UK bank licence).

🏦 Local IBANs: GB NL

Clear Junction (UK; + Netherlands; est. 2016) - cross-border payments and named virtual IBANs for banks, EMIs and VASPs; correspondent accounts over SEPA/SEPA Instant/Faster Payments/CHAPS/SWIFT (11 currencies). FCA EMI (UK) + CJ Digital EU B.V. (DNB, Netherlands).

Currencies Direct (London, UK; founded 1996 by Mayank Patel and Peter Ellis) - international payments and FX broker for private and SME clients, transacting ~GBP 10bn a year across 1M+ payments. EEA rail via Currencies Direct Spain, E.D.E. (E-money institution, Bank of Spain). Register-sourced: E-money institution (EMI), Bank of Spain, ref 6716; passported to 30 EEA states.

🏦 Local IBANs: GB

Currencycloud (UK) - virtual IBANs (EUR collection) and FX across 33 currencies. FCA EMI; Visa-owned.

Equals Money (UK) - Mastercard card issuing, FX and multi-currency accounts. FCA EMI + PI (UK). Merged with Railsr in 2025 (now 'Equals'); GBP 58bn+ volume. Group rebranded to Equals (Jun 2026; GBP 58bn+ annual volume).

MarTrust (London, UK; part of the Marcura maritime group) - the largest specialist maritime-payments provider (~USD 12bn/yr): crew payroll, e-wallets and cards for seafarers, vendor payments and Cash-to-Master digitisation. UK FCA Authorised Payment Institution + EEA rail via MarTrust Europe S.A. (E-money institution, Banco de Portugal). Register-sourced: E-money institution (EMI), Bank of Portugal, ref 7501; passported to 30 EEA states.

Navro (London, UK; ex-Paytrix, founded 2022) - a payments curation platform: curated payout and collection rails in one API/contract for global expansion. EMI authorised by the Central Bank of Ireland (EEA) + UK FCA; USD 14m raise (2024). Register-sourced: E-money institution (EMI), Central Bank of Ireland, ref C504018; passported to 30 EEA states.

🏦 Local IBANs: GB LT MT

Nium (UK; + Singapore) - global cross-border payments and card issuing with APAC roots. EMI FCA (UK) + EMIs in Lithuania and Malta (EEA).

🏦 Local IBANs: GB NL FR MT

OpenPayd (UK + Malta) - banking-as-a-service / IBAN-as-a-service: unlimited virtual IBANs, accounts, FX and stablecoins; ~EUR 120bn/yr processed. FCA EMI (UK) + Malta EMI (OpenPayd Financial Services Malta, EEA).

Paysend (London, UK) - global cross-border card-to-card transfers + business multi-currency accounts; FCA EMI. Stablecoin settlement via BVNK.

🏦 Local IBANs: GB

Payset (Pay Set Ltd, UK) - multi-currency business accounts (38 currencies), dedicated local IBANs (EUR/GBP/USD), SWIFT + SEPA and FX; SME/fintech focus. FCA-registered EMI.

🏦 Local IBANs: GB DE DK

Rapyd (London, UK; Israeli-founded, 2016) - fintech-as-a-service: global acquiring, payouts and wallets. EEA licence via Rapyd Europe (Iceland EMI) after acquiring Icelandic acquirer Valitor (USD 100m, 2022); also bought PayU GPO (USD 610m, 2023). Register-sourced: E-money institution (EMI), Central Bank of Iceland, ref 5006830589; passported to 30 EEA states. Offers virtual IBANs (vIBAN) in Europe via Rapyd Virtual Accounts - local collection accounts in 40+ countries. Virtual-account docs list GB/DE/DK IBANs (DE reaches 36 SEPA countries).

TransferGo (London, UK; Lithuanian founders) - cross-border payments + business accounts. EMI Bank of Lithuania (EEA) + FCA.

Verto (London, UK) - B2B cross-border payments + multi-currency accounts focused on emerging markets; FCA-authorised.

Vitesse (London, UK) - treasury and payment infrastructure for the insurance industry: claim-fund management and instant claim payouts over a global network spanning 200+ countries and currencies (USD 10bn+ processed); USD 93m Series C led by KKR (May 2024). FCA-regulated; EEA rail via Vitesse PSP B.V. (Netherlands PI).

🏦 Local IBANs: BE GB

Wise (ex-TransferWise; London HQ, LSE-listed; Estonian founders). Wise Europe SA = EMI National Bank of Belgium (EEA) + UK FCA. Multi-currency accounts + local account details/IBANs; Wise Platform = accounts/FX/payments infrastructure for banks & fintechs.

WorldFirst (London, UK; founded 2004) - cross-border payments and FX for marketplace sellers and SMEs trading internationally: collection accounts, currency conversion and payouts across 220+ countries and regions, 1.5m+ business customers. Acquired by Ant Group (2019), now part of Ant International - ownership flag (CN). EEA rail: World First Netherlands B.V. (EMI).

ZEN.com (London, UK; founded 2018 by Dawid Rozek, co-founder of G2A; offices in Warsaw and Vilnius) - multi-currency accounts and Mastercard cards for consumers and businesses (Apple/Google Pay). EMI licensed by the Bank of Lithuania (2018) + UK FCA EMI (2024). Polish roots. Register-sourced: E-money institution (EMI), Bank of Lithuania, ref LB000457; passported to 30 EEA states.

Airwallex (Melbourne, Australia; API-first) - global multi-currency accounts, cross-border payments, cards; EU via Airwallex Netherlands EMI. Non-EU origin - contrast.

Convera (US; ex-Western Union Business Solutions) - B2B cross-border payments & FX, 140+ currencies, ~USD 190bn/yr. US origin - contrast. EEA rail: Convera Europe S.A. (Luxembourg PI, CSSF) - see the licence register entry.

Corpay (US; ex-FleetCor) - corporate payments, AP automation + cross-border FX. US origin - contrast.

Payoneer (New York, US; Nasdaq) - cross-border payments + multi-currency accounts for SMBs / marketplaces / freelancers. US origin - contrast.

Conotoxia Sp. z o.o. (owner of Cinkciarz.pl) - Polish online FX / currency exchange. KNF REVOKED its national payment-institution licence (2024) for failing to safeguard client funds; removed from the KNF register and the Voivodeship Administrative Court (WSA) dismissed its appeal; bankruptcy for Cinkciarz.pl. Proof-of-value for the Status/Risk column.