Verified provider profile

Currencycloud

Currencycloud is a UK (outside the EU/EEA) fintech-infrastructure provider (IBAN sponsor, Cross-border payments / FX). Verified at source - licence, regulator and registry reference. Active (Visa-owned)

UKEEA data: NoLicence: EMIVerified at source 2026-07-19
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Who it's for

Currencycloud is built for products that need customer accounts and IBANs issued under the provider's licence. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs in GB.

Sovereignty profile

  • Data residency (EEA): No - outside the EEA
  • Company origin: UK (UK)
  • Ownership / control: US-owned - Visa (US law applies, incl. the CLOUD Act)
  • Local IBANs: GB
  • Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed

What Currencycloud does

IBAN sponsorCross-border payments / FX

Capabilities & rails

  • Payment rails (documented): SCT · FPS · SWIFT
  • Account model: Virtual · Named virtual
  • Account currencies: EUR; GBP; USD

Verified licence profile

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

Verified 2026-07-19. How we verify → · Official website: currencycloud.com · Spotted something out of date? Report a correction.

Official register entries

  • E-money institution (EMI) - The Netherlands Bank · Ref R142701 · Active (EBA PSD2 register, as of 2026-09-18)

Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.

Timeline

  • 2021 [m&a] Acquired by Visa

European alternatives to Currencycloud

  • TransferMate EU core EMI Ireland · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Accounts: Virtual, Local IBANs
  • ECOMMBX EU core EMI Cyprus · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Genome EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Nexpay EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Paysera EU core EMI Lithuania · EEA: YesShared: IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Ebury EU core EMI Spain / UK · EEA: PartialShared: IBAN sponsor, Cross-border payments / FX, Local IBANs

FAQ

Is Currencycloud European / EEA-based?

Currencycloud is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.

What does Currencycloud do?

Currencycloud covers: IBAN sponsor, Cross-border payments / FX. Verified at source by Fintechnologica.

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