Banks that take the call. PSPs that stay.
Your bank relationship is the most fragile thing in a regulated business. We set up primary and secondary accounts from the start, pre-warmed with compliance officers we know — so a single policy change at one bank doesn't put you out of business.
A stack, not a single account.
Operating banking
Primary corporate account for day-to-day flows: payroll, suppliers, receivables. Usually in a tier-1 or tier-2 onshore jurisdiction.
Secondary / redundancy
A second account in a different jurisdiction that can carry your whole business if the primary is frozen. No amount of expertise makes a single bank safe enough.
Safeguarding (EMI / PI)
Safeguarded client-funds accounts with banks that actively accept fintech clients. Pre-cleared with the bank before you file the EMI.
Merchant accounts
High-risk card acquiring — Visa/Mastercard — with PSPs that specialise in iGaming, crypto, dating. Multiple rails, not one.
Crypto rails
Fiat on/off-ramp with regulated crypto-PSPs, stablecoin settlement, institutional-grade custody where assets flow through your books.
Treasury & FX
Multi-currency treasury, FX lines for payouts in local currency, hedging where your exposure crosses quarters.
Six jurisdictions where we have warm relationships.
We don't list bank names publicly — they'd politely ask us to stop. But we can tell you which regions we cover, what shape of client each takes, and whether your deal has a real chance on day one.
The first-call questions.
Can you guarantee an account will be opened?
No — anyone who does is lying. What we can tell you is the probability, and for typical licensed operators with clean UBO it sits at 90%+. If we look at your file and it's below 60%, we'll say so before you pay anything.
Why not just use Revolut / Wise / a neobank?
Because consumer-grade EMIs close high-risk accounts faster than they open them, and they don't do safeguarding. They're fine as a tertiary rail. They are not a banking strategy.
What's the cost of a banking engagement?
€4k–€12k for a single operating account opening. €8k–€20k for a primary + secondary stack with PSP onboarding. We bill a success-linked component on merchant account onboarding (fixed cap, disclosed up-front).
What happens if the bank closes us six months later?
We put you onto the pre-warmed secondary the same day, and start the replacement primary search that week. Part of why "stack" matters more than "cheapest first account".
Can you open accounts without me flying in?
Some yes, some no — jurisdiction-dependent. UAE, Switzerland and Liechtenstein typically require a short in-person visit; LT/LV/CY/EE we can often do remotely. We'll tell you the travel requirement on the first call.
Banking is a stack, not a single account. Let's build yours.
30-minute call. We'll map your flow, your jurisdictions and which banks actually fit.