Business
Personal
UK

BANking-as-a-service

Financial infrastructure, built for your customers

Build your own financial solutions by leveraging our APIs, global banking rails, and compliance expertise.
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API Docs
Card issuing

Create, distribute, and manage multi-currency payment cards with flexible options to suit your business needs, including virtual cards, digital wallet compatibility, and BIN sponsorship. Visa and Mastercard options available.

Payments
Make fast business payments around the globe with connections to SWIFT, SEPA Instant, UK Faster Payments and more.
API implementation support
Launch your solution (via API, white label, or a hybrid setup) with the full support from our dedicated account and implementation managers. We’ll guide you through every step of the technical integration, ensuring the experience is as smooth as possible.
Open Banking
With access to Open Banking via Roqqett, offer instant settlements and allow customers to pay with their preferred banking applications.
Multi-currency accounts

Create named accounts, equipped with multi-currency IBANs, to receive and manage funds in local currencies.

Spend management
Utilise in-platform spend limits, fund approvals, and flexible permissions to control business expenditure.
Global operations
Expand into international markets, with availability in the UK and EU.
BUILD

Build in a way that suits your business

Create your solution seamlessly via our API integrations, our custom-branded white label offering, or a combination of both to suit your business requirements.
API
White label
Financial infrastructure breakdown

UK

EU

Payments

Multi-currency IBAN
38 currencies
23 currencies
Payment rails
UK FPS, CHAPS, SEPA CT, SEPA Instant, SWIFT
SEPA CT, SEPA Instant, SWIFT
Confirmation of Payee (CoP)
Verification of Payee (VoP) - in EU
From October 2025
Open Banking capabilties

Cards

BIN sponsorship
Card schemes
Visa, Mastercard
Visa, Mastercard
Card types
Physical, virtual, tokenised
Physical, virtual, tokenised
Mobile wallet(s)
Apple Pay, Google Pay, Samsung Pay
+ more
Apple Pay, Google Pay, Samsung Pay
+ more

Tech

White label mobile app
White label web app
API

Customer & servicing

Agents model
Full-service model
White label model
Customer servicing
Know Your Customer (KYC)

Start building with our financial infrastructure today.

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App store buttonGoogle Play button
Products
International paymentsExpense cardsPrepaid business cardsSpend management softwareMulti-currency business account
Use Cases
Expense managementProcurementEcommerce
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Equals Money Plc (No. 05539698) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ, and is authorised by the Financial Conduct Authority (FCA No. 488396) to provide payment services. Equals Money UK Limited (No. 06268340) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 504547) to provide payment services. Equals Money International Ltd (No. 07131480) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ, and is authorised by the Financial Conduct Authority (FCA No. 900493) under the Electronic Money Regulations 2011 to conduct electronic money activities. Cards are issued by Equals Money under licence from Mastercard International Incorporated. Equals Money Europe SA (No. 0849.185.510) is incorporated under Belgian law with registered office at Floor 4, Avenue Louise 54, Brussels 1050, Belgium and is authorised and supervised by the National Bank of Belgium as a regulated payment institution. PayrNet Limited (No. 09883437) is registered in England & Wales with registered office at 3rd Floor, Vintners’ Place, 68 Upper Thames Street, London EC4V 3BJ and is authorised by the Financial Conduct Authority (FCA No. 900594) under the Electronic Money Regulations 2011 to issue electronic money and provide payment services. It is a wholly owned subsidiary of Embedded Finance Ltd and operates under the trading name "Railsr". Cards are issued by PayrNet under licence from Mastercard International Incorporated and Visa Europe. Funds are held in safeguarded accounts in accordance with regulatory requirements and are not protected by the Financial Services Compensation Scheme (FSCS). Money received in exchange for e-money is not treated as a deposit. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Visa is a registered trademark of Visa International Service Association. This communication is for general information only and does not constitute legal, financial, or investment advice. No liability is accepted for any loss arising from reliance on the information provided. All rights reserved.