European business accounts · SEPA IBANs
Refused by your bank?
We get your company placed.
We match your company to the right European bank or EMI, prepare a clean application, and guide it through onboarding — so the answer comes back yes.
No upfront fee for the assessment. You pay only when you decide to proceed.
Why this keeps happening
Good companies are being de-risked out of the banking system.
It is rarely about anything you did. Compliance costs pushed banks to drop entire categories — non-residents, holdings, fintech, crypto, anything that takes a second look. The account doesn't get reviewed. It gets closed.
1 in 3
higher-risk businesses hit a banking disruption in 2024–2026.
140k+
UK small companies de-banked in a single year — often without notice.
~11 days
average warning before an account is closed. Many get none.
Figures from recent industry and parliamentary reporting on de-risking, 2025–2026. Directional, not a guarantee of any individual outcome.
Who we place
Built for the companies banks find inconvenient.
If a high-street bank already said no, or you know they will, you're exactly who this is for. We work with the profile, not against it.
NON-RESIDENT
Foreign-owned EU companies
UK, Baltic or offshore-owned entities that traditional banks won't touch without a local director or in-person visit.
HOLDING / SPV
Holding & multi-layer structures
Holdings, SPVs and groups where the ownership chain is the reason the application keeps stalling.
FINTECH / CRYPTO
Fintech & digital-asset firms
VASP, payment and crypto-adjacent businesses that need a provider comfortable with the activity — within the rules.
DEBANKED
Already closed or refused
You've had an account shut or an application rejected and need a clean route back into the system, fast.
E-COMMERCE
Cross-border & high-volume
Marketplaces and trading companies needing multi-currency IBANs and real cross-border throughput.
NEW COMPANY
Just incorporated
Brand-new entity with no history yet — we position it so the first application isn't the one that gets declined.
How it works
Four steps. No guesswork, no scattershot applications.
Most refusals happen because the right provider was never approached the right way. We fix the approach.
Profile & eligibility
You tell us about the company, ownership and what it actually does. We give you an honest read on where it can realistically be placed — before you spend anything.
Match to the right provider
From a vetted network of EU banks and licensed EMIs, we shortlist the ones whose risk appetite fits your profile — not a generic list, the ones likely to say yes.
Prepare the application
We build the KYC/KYB dossier the way compliance teams want to receive it: clear ownership, source of funds, business rationale. This is where most applications are won or lost.
Introduce & guide to approval
We introduce you to the provider and stay with you through onboarding and follow-up questions until the account is live.
Why applications succeed with us
We can't guarantee a bank's decision. We can make it the easy one.
Honesty first: approval always rests with the institution. Our entire job is to remove every reason for them to hesitate.
Compliance-led, not sales-led
We run real KYB before we ever approach a provider. A clean, defensible file is what turns a "maybe" into a "yes" — and keeps the account open afterwards.
The right door, first time
Every refused application makes the next one harder. We aim you at the provider that fits, so you're not burning your record on long-shot attempts.
One file, many providers
If the first answer is no, your dossier is already built. We move to the next match without you starting from zero.
It doesn't end at the IBAN
Need the company structured, AML in order, licensing or residency sorted? The same team handles what comes after the account.
ACCOUNTS
SEPA IBAN, multi-currency, cards
PROVIDERS
EU banks & licensed EMIs
FOCUS
Baltics, Lithuania, wider EU/EEA
PROFILES
Resident & non-resident companies
Pricing
Start free. Pay when you decide to proceed.
The assessment costs nothing — it's how we both find out if this is worth doing. Figures below are indicative; your quote depends on the profile.
Eligibility check
Free
Find out where your company can realistically be placed — before any commitment.
Honest yes / no on your profile
Shortlist of realistic providers
Indicative timeline & cost
MOST CHOSEN
Guided placement
from €99 + success fee
We prepare the application, introduce you, and stay on it until the account is open.
Full KYC/KYB dossier prepared
Direct introduction to the provider
Support through every follow-up
Second match if the first declines
Concierge
Custom
Complex, multi-jurisdiction or sensitive profiles — handled end to end.
Multiple accounts & jurisdictions
Company structuring & AML setup
Dedicated point of contact
Straight answers
The questions everyone asks first.
Can you guarantee the account will open?
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No — and be careful with anyone who does. The final decision always belongs to the bank or EMI. What we guarantee is the work: the right match, a clean application, and that we stay with it. If the first provider declines, we move to the next without restarting.
How long does it usually take?
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The free eligibility check comes back within about a day. From there, a straightforward profile is often live in roughly 5–15 business days; complex ownership or higher-risk activity takes longer. We tell you the realistic range up front, not a flattering one.
Do you work with non-resident and foreign-owned companies?
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Yes — that's the core of what we do. UK, Baltic and other foreign-owned EU entities are exactly the profiles that struggle with high-street banks and that our partner network is set up to handle.
What about crypto, fintech or other higher-risk activity?
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Often workable, with the right provider and a properly built file. We don't take on anything unlawful, and we won't waste your time if the activity genuinely can't be placed — we'll tell you in the assessment.
Are you a bank?
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No. We don't hold your money or issue the account. We're an introduction and application-support service — we get you to the institution that does, and make sure you arrive ready.
What documents will I need?
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Typically incorporation documents, IDs and proof of address for owners and directors, and a short description of the business and expected flows. After the eligibility check we send a precise checklist for your specific match.
Free eligibility check
Tell us about your company. We'll tell you the truth.
One short form. Within a business day you'll know whether we can place you, where, and what it would take. No charge, no obligation.
An honest assessment — even if the answer is "not yet".
Handled by people who do this every week, not a chatbot.
Your details stay confidential and are used only to assess your case.
Start your free check
Takes about two minutes.