Products · Business Accounts
Open accounts direct - or embed them in your platform.
Accounts in multiple currencies for businesses managing their own operations, and for platforms building money movement into their product. Collect with dedicated virtual accounts or VIBANs, hold by currency, convert at live rates, and pay globally.
GBP · EUR · USD
+ SEK, DKK, AED & AUD - 7 currencies
Virtual account or VIBAN
per currency, entity or team
FCA & Bank of Lithuania
Regulated EMI
Instant
same-currency transfers between entities
Accounts for businesses and platforms.
For your business - open direct
Manage supplier payments, payroll, contractor payouts and multi-entity treasury from one regulated platform. Open accounts in multiple currencies, collect with dedicated virtual accounts or VIBANs, and pay globally - without juggling multiple banks.
For your platform
Embed accounts, virtual accounts or VIBANs, FX, collections, payouts and reconciliation into your product via API. B4B Payments provides the regulated infrastructure; you own the customer experience.
Collect, hold, convert, pay and reconcile.
Receive
Collect funds via dedicated virtual accounts or VIBANs. Each account has its own unique virtual account number for automated routing and reconciliation - share it on invoices or feed it directly into your platform.
Hold
Maintain separate balances per currency and entity. Real-time visibility across your entire account structure, with instant same-currency transfers between entity accounts.
Convert
FX conversion at live spot rates across 7 held currencies and 21 via SWIFT. Convert and pay in a single flow - or move and convert between your own entity accounts.
Pay
SEPA, SEPA Instant, Faster Payments, SWIFT, ACH, and local rails. Initiate single payments via the web app or API; submit bulk batches via CSV upload through the web app.
Reconcile
Webhooks, unique virtual account references, transaction files, and automated data exports close the loop automatically. Every debit and credit recorded against the account - always auditable.
Built for how businesses move money.
Supplier payments & accounts payable
Pay domestic and international suppliers across multiple rails. Manage a verified beneficiary directory, configure approval workflows, and maintain a full audit trail on every payment.
Payroll, contractors & workforce
Distribute payroll and contractor payments across currencies and entities. ACH for US, Faster Payments for UK, SEPA for EUR - single payments via API or bulk batches via CSV upload.
Multi-entity treasury
Hold and move funds across entities and currencies from one platform. Instant same-currency transfers between entity accounts; FX conversion for cross-currency moves.
Collections & reconciliation
Issue unique virtual accounts or VIBANs per customer, project or entity. Inbound payments route and reconcile automatically - no manual matching.
Built for embedded money movement.
Proptech
Assign virtual accounts or VIBANs per property or landlord for automated rent reconciliation and payouts to owners.
Marketplaces & platforms
Segregate and distribute seller or partner funds via entity accounts and API-driven payouts.
Fintechs & lenders
Embed account infrastructure into your product. Virtual accounts or VIBANs per customer or loan for automated reconciliation - without building the banking and compliance stack from scratch.
Payroll & HCM platforms
Connect via API to distribute payroll across local and international rails. Single payment instructions via API; bulk payroll files via CSV upload.
A structure that scales with your organisation.
Master account
Your top-level account. Consolidated visibility across all entity accounts, with full control over fund movements between them.
Entity accounts
Each business unit, entity, or currency gets its own dedicated account - with its own balance, virtual account number or VIBAN, and ledger. Fully independent, centrally visible.
Instant internal transfers
Move funds instantly between entity accounts in the same currency - no external payment rail, no beneficiary required. Cross-currency moves between entities use the FX conversion flow.
A regulated platform for accounts and money movement.
FCA authorised and Bank of Lithuania licensed
Authorised by the FCA (UK) and licensed by the Bank of Lithuania (EU). Client funds are safeguarded under e-money regulation.
Banking Circle Group
Part of one of Europe's leading financial infrastructure groups - with the payment rails, FX, and balance sheet that brings.
Full-stack platform
Accounts, payments, cards, and FX in a single platform. No patching together multiple providers.
Global payment rails
SEPA, SEPA Instant, Faster Payments, SWIFT, ACH, and local rails - built on Banking Circle infrastructure.
UK, EU & US coverage
Operations and support across three regions, with local regulatory coverage in each.
Named expert support
A named account manager with deep sector knowledge.
Next step
Ready to open a B4B Payments business account?
Talk to our team to find the right account structure for your business - or explore the API to start building.