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Banking Marketplace

EMI Accounts

Compare leading Electronic Money Institution (EMI) account providers offering modern payment solutions for international businesses. Find flexible alternatives to traditional banking through the Coutts Consultants global marketplace.

Compare EMI Providers Speak to a Banking Adviser
Digital banking on a mobile device
The Basics

What is an EMI Account?

An Electronic Money Institution (EMI) provides payment accounts and electronic money services — often supporting international payments, multiple currencies and online banking.

Depending on the provider, services may include local account details, international transfers, virtual IBANs and payment collection solutions.

The services available differ from provider to provider and should be assessed according to each business's requirements.

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Providers shown are illustrative sample archetypes with demonstration figures only — not specific named institutions or their actual terms. EMIs are regulated payment providers, not banks. Live options and eligibility are confirmed by an adviser, and account opening is subject to due diligence and never guaranteed.

Global Fintech EMI

United Kingdom
Resident & Non-Resident No Monthly Fee
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: £0 / month
Apply

Lithuanian EMI Platform

Lithuania
Resident & Non-Resident No Monthly Fee
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: £0 / month
Apply

UK Business EMI

United Kingdom
Resident
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: from £10 / month
Apply

European Payments EMI

European Union
Resident & Non-Resident
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: from £5 / month
Apply

Estonian Digital EMI

Estonia
Non-Resident Friendly No Monthly Fee
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: £0 / month
Apply

Non-Resident Business EMI

Lithuania
Non-Resident Friendly
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: sample
Apply

Multi-Currency EMI Wallet

United Kingdom
Resident & Non-Resident No Monthly Fee
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: £0 / month
Apply

Gulf Fintech EMI

United Arab Emirates
Resident & Non-Resident
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: sample
Apply

Asia Digital Payments

Singapore
Resident & Non-Resident
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: sample
Apply

Ireland EMI Account

Ireland
Resident & Non-Resident
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: from £8 / month
Apply

E-commerce Collections EMI

European Union
Resident & Non-Resident No Monthly Fee
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: £0 / month
Apply

Global Trade EMI

Hong Kong
Resident & Non-Resident
Multi-Currency Virtual IBAN SEPA SWIFT Online Banking API
Monthly fee: sample
Apply

No sample providers match those filters. Our advisers can source suitable options — request banking advice.

The Benefits

Why Choose an EMI Account?

Fast International Payments

Send and receive payments worldwide.

Multi-Currency Support

Hold and manage multiple currencies.

Modern Online Banking

Powerful digital banking platforms.

Business Friendly

Solutions for international companies.

API Integration

Connect directly with accounting and payment platforms.

Flexible Banking Alternative

Suitable where traditional banking may not be appropriate.

Who It Suits

Browse by Business Type

International Trading

E-commerce

Technology Companies

Professional Services

Import & Export

Holding Companies

Digital Businesses

Marketplace Sellers
The Process

How It Works

1Complete Banking Questionnaire
2Compare EMI Providers
3Speak to Adviser
4Application
5Compliance Review
6Account Activated
Common Questions

Frequently Asked Questions

An Electronic Money Institution (EMI) is a regulated provider authorised to issue electronic money and offer payment accounts. EMIs typically provide multi-currency accounts, international payments and online banking, often as an alternative to a traditional bank account.
No. EMIs are regulated to issue electronic money and provide payment services, but they are not banks and do not offer the full range of banking services or the same deposit protections. Client funds are usually held in safeguarded accounts rather than covered by deposit guarantee schemes. We can explain the differences for your situation.
Often yes. Many EMIs work with non-resident businesses and owners, which is one reason they are popular with international companies. Eligibility still depends on the provider, your business activity and due diligence.
Most EMIs support international transfers and, depending on the provider, SEPA and SWIFT payments, multiple currencies and virtual IBANs for receiving funds.
Multi-currency support is a core feature of most EMI accounts. The exact currencies available vary by provider and are confirmed by them.
Some EMIs offer API access or integrations with accounting and payment platforms. Availability varies, and we can highlight providers that support this.
Typically business registration details, identification for owners and directors, proof of address and information about your business activity and expected transactions. Requirements vary by provider and jurisdiction.
Timeframes vary by provider, business type and how quickly documentation is provided. Some digital EMIs are relatively fast, but we cannot guarantee a specific timeframe and opening is subject to compliance checks.
Tailored Recommendations

Compare Leading EMI Providers

Answer a few simple questions and discover which EMI providers best suit your business.

Compare EMI Accounts
Digital Finance

Find the Right EMI Solution

Compare leading electronic money institutions through the Coutts Consultants marketplace and receive independent advice tailored to your international business.

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Related Pages

Corporate Bank Accounts → Merchant Accounts → Multi-Currency Accounts → Offshore Banking → Compare Banking Options → Banking FAQs →
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Coutts Consultants Ltd and its affiliates do not provide tax, legal or accounting advice. Material on this page has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.