We match your international business with a bank, EMI or payment provider that fits your profile and the way your money moves, across Asia, the EU and beyond. Your profile is cleared with the bank before we apply, and we stay with you until the account is live.
Find the right set-up
What payments do you handle?
Our fee for the full process. Timelines run from submission; fintech and EMI timelines are in working days.
Your profile is cleared with the bank first
Discuss my caseThree services that cover the whole path of your money, from customer to supplier. Our support through to launch is included in the price.
How money moves through your business
Corporate accounts
For paying suppliers and your team and getting paid by customers. Banks in Hong Kong, China and the EU, plus EMIs and fintech platforms.
Timeline: from 2 working days
Payment acceptance
For websites, apps and marketplaces. Cards, wallets and local payment methods in the markets you sell to.
Timeline: from 14 days
Crypto payments
Accept USDT, BTC and ETH from customers, converted and paid out to your corporate account.
Timeline: from 10 days
We also open accounts for companies incorporated elsewhere.
Please note: we cannot promise an account will be opened or a service connected. The bank, EMI or provider decides after reviewing the company and its owners. If they decline, we apply elsewhere at no extra cost.
Timelines, branch visits and best uses for the four options we work with most. It makes it easier to see where to start and whether you need a second account.
| Option | Opening time | Branch visit | Best for | Keep in mind |
|---|---|---|---|---|
| Fintech or EMIQuick start, multi-currency account | 2-7 daysworking days | Not neededfully online | Paying suppliers, receiving customer transfers, working in several currencies | Not a bank: no deposit protection, and transaction limits may apply |
| Bank in Hong KongMain account for trade with Asia | 3-6 weeks | Not neededopened remotely | Trade with China and Asia, larger payments, HKD, USD and CNY settlement | Detailed review of your business and counterparties; contracts or invoices needed |
| Bank in ChinaPaying factories directly | 2-4 weeks | Depends on the banksome banks open remotely | Paying factories and suppliers in yuan without intermediaries | The bank may ask for documents on suppliers and goods flows |
| Bank in the EUHoldings and European clients | 2-6 weeks | Depends on the bank | SEPA payments with EU counterparties, holding structures, higher volumes | Closer scrutiny of ownership structure and source of funds |
We open a fintech account straight away and apply to a bank in parallel, so the business is never without an account while the bank reviews your documents.
Information as of October 2026. Timelines run from submission of a complete document pack and depend on the bank and the owners’ profile.
A rejection is almost always about the profile, not the company itself. The bank looks at who owns it, what it does and how money moves. We check all of this before applying and deal with compliance questions in advance.
Find a bank for my profileWhat the bank checks
Profile cleared with the bank before submission
We share your profile with the bank first and only apply once it is ready to consider you.
Business description, payment flows and KYC documents, in the format the bank expects.
If the bank declines, we apply to another one. That is already included in the price.
In most cases everything is done remotely. To get started, tell us about your business and send the documents. We take care of the rest.
We look at how your payments work and who the owners are, then suggest 2-3 banks or EMIs. The scope and price are fixed in the contract.
We share your profile with the bank before applying and only submit where it is ready to be considered.
We prepare the business description, payment flows and KYC pack in the format the bank expects.
We submit the application, answer compliance questions and stay with you until the account is live. From 2 working days with a fintech, from 2 weeks with a bank.
What we need from you
The exact list depends on the bank. We confirm it at the consultation
It happens to well-run businesses too. Here are three messages clients usually come to us with, and what we do next.
“Unfortunately, we are unable to open an account for your company.”
Application declinedWe work out what the issue was: the owner’s profile, payment countries or the pack itself. We fix it and apply to a bank that takes this kind of profile, at no extra cost.
“Please provide the contract and invoice for the incoming payment of USD 18,400.”
Payment queryWe tell you which documents to attach and how to describe the deal in a few lines, so the payment goes through and the same question does not come back.
“Transactions on your account are temporarily restricted pending review.”
Account restrictedWhile the bank reviews, we move your payments to a fintech or another bank so suppliers keep getting paid. The second account then stays on as a back-up.
Had a message like this? Forward it to us and we will tell you what to do next.
For more than six years we have been opening accounts for companies from many countries and watching bank requirements change. That experience is what saves our clients time.
Bank requirements shift. We see it in live applications, so we don’t waste your time on a bank that is bound to say no.
From the first call to account activation, with no passing you between departments.
Scope and price are agreed before we start. A re-application after a decline is already included.
We tell you up front where a bank may decline and what your fallback will be.
65+
banks, EMIs and payment providers we work with
We don’t publish the list of banks. It changes, and it is more honest to name them on a call, based on your profile.
Three clients, three very different situations. Timelines run from application to a working account.
The company bought from factories in China and sold to distributors in South East Asia. Money went through partners’ accounts, payments got mixed up, and twice they had to explain to a bank where the funds came from.
We opened an account with a Chinese bank to pay factories in yuan, and a multi-currency account in Hong Kong for incoming payments from the region. We prepared the KYC pack and a description of the goods flows.
I expected to fly out for a meeting at the bank, but a video call and a courier were enough. For the Chinese account we had to pull together extra paperwork on suppliers, which added a week.
Facing something similar? Tell us about it and we will reply within 30 minutes.
Discuss my caseThe questions clients ask us most often on the first call.
A fintech or EMI account opens faster, usually in 2-7 working days, and works well for paying suppliers and handling several currencies. A bank takes longer, from 2 weeks, but suits a main account and higher volumes better.
It often makes sense to open a fintech account straight away and apply to a bank in parallel. See the comparison of options above.
With a fintech or EMI, usually 2-7 working days. With a bank in China, 2-4 weeks; in Hong Kong, 3-6 weeks; in the EU, 2-6 weeks. Timelines run from submission of a complete document pack, and we confirm the timeline for your profile at the consultation.
Yes, in most cases. The fintechs, EMIs and Hong Kong banks we work with open accounts remotely. In China, some banks also work remotely while others ask the director to visit. If you would rather not travel, we choose an option that doesn’t require it.
Yes. We need the company documents, details of the owners and a short business overview; we prepare the rest. If you don’t have a company yet, we can set it up and open the account as one project. See company registration.
Passports and proof of address for owners and directors, company documents (certificate of incorporation, articles, register of shareholders), a business overview and examples of contracts or invoices with clients and suppliers. The exact list depends on the bank, and we confirm it before we start.
No, and no honest provider can: the bank decides after reviewing the company and its owners. What we do is reduce the risk of a decline. We share your profile with the bank in advance, apply only where it is ready to consider you, and prepare the compliance pack ourselves.
If the bank still declines, we apply to another one at no extra cost. More in the section on bank checks.
Send us the rejection and the documents you applied with. We will work out the reason, which is usually the owner’s profile, payment countries or the pack itself, fix it and apply to a bank that takes this kind of profile. You can see similar situations in the section on rejections.
Account opening from US$ 900, card acquiring from US$ 1,200 and crypto processing from US$ 1,500. The price includes our support through to launch and a re-application if you are declined. The fee is fixed in the contract before we start. The bank’s or provider’s own fees are paid separately at their rates.
Through crypto processing: customers pay in USDT, BTC or ETH, and the funds are converted and paid out to your corporate account. The provider reviews your business and payment flows, and we prepare the write-up for that review. Set-up takes from 10 days.
Tell us what payments you need to make and where your clients and suppliers are. A manager will get back to you within 30 minutes during business hours with 2-3 banks or EMIs, prices and timelines.
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