Adult, licensed gambling, forex, high-risk e-commerce. Where mainstream banks say no, tobebanked places dedicated corporate IBAN accounts through EMI and banking partners who underwrite your sector. Multi-currency holdings, SEPA, SEPA Instant, and SWIFT coverage for everything beyond Europe. One application, the right partner, an account that stays open.
Our Services
Dedicated corporate IBAN accounts placed through vetted EMI and banking partners. Multi-currency holdings, SEPA, SEPA Instant, SWIFT, and bank-to-bank rails. We handle the matching, the KYB pack, and the onboarding, and we stay on the file once your account is live.
Corporate IBANs issued in your company name through regulated EMI and banking partners.
One KYB pack, matched to the partner most likely to approve your industry.
Hold and move EUR, GBP, USD, and major global currencies from one account.
Send and receive across SEPA, SEPA Instant, and SWIFT rails worldwide.
Don’t let payment barriers hold you back. Get a personalized IBAN setup tailored to your high-risk business.
FEATURES
Join thousands of users who have simplified their global finances. Get started for free today!
About Us
Applying directly to EMIs and banks as a high-risk business rarely ends well. You get declined, your footprint grows, and the next application is harder than the last. We sit between you and the market, match your company to partners who underwrite your sector, and stay with the file until the account is live.
We don't push every client to the same partner. Your industry, jurisdiction, volume profile, and corporate structure decide which EMI or bank sees your application, so you go to the provider most likely to say yes.
You send us one KYB pack. We format it, submit it, and manage the back-and-forth with the partner's compliance team. No repeat applications, no fragmented footprint across five providers.
If no partner in our network will underwrite your business, we tell you on day one. You don't pay to find out a month later that the answer was always going to be no.
Once your IBAN is live, we stay on as your point of contact. If the partner changes terms, freezes a transaction, or asks for additional documentation, we handle the conversation with you.
Testimonials
We trade across the EU, UK, and US. tobebanked set us up with multi-currency holdings and SWIFT access in one structure. Treasury finally makes sense.
CityVape
Four banks declined us before we found tobebanked. They matched us with the right partner and had our IBAN live in less than three weeks.
E&M Entertainment
First call, they told us which partner would approve and which wouldn’t. No wasted time, no trail of declines, just good service and happy smiles.
The Hemp CO
When our bank flagged a batch of payments, tobebanked cleared it with compliance the same day. You don’t get that applying direct.
TSD Media
Our Blog
Choosing the right multi currency business bank account in 2026 feels a bit like picking a goalkeeper for a penalty shootout. You only notice the
Choosing the right multi currency business bank account in 2026 feels a bit like picking a goalkeeper for a penalty shootout. You only notice the wrong choice when things get messy ⚽️ This guide compares ToBeBanked vs Wise vs Revolut vs Airwallex head-to-head, covering fees, supported currencies, onboarding times and risk appetite. Let’s find your perfect match. Quick Answer: The best multi-currency business bank account in 2026 For most UK and EU SMEs, the best multi currency business bank account depends entirely on your risk profile. If you’re in a high-risk industry, ToBeBanked plus its EMI partners is your best bet. For low-risk businesses, Wise, Revolut and Airwallex remain solid options. Here’s the quick breakdown: ToBeBanked specialises in high-risk sectors like adult, licensed gambling, forex, CBD and high-risk e-commerce, where traditional banks often say “computer says no.” Wise suits low to medium risk online businesses needing 40+ currencies with transparent pricing. Revolut fits startups wanting cards, expense management and up to 30 currencies. Airwallex targets scaling SMEs with treasury features and negotiated FX rates. This article compares all four providers side by side in 2026, focusing on monthly fees, FX margins, local account details and onboarding speed. Information is accurate as of Q1 2026, though pricing and features can change. Always confirm details on each provider’s united kingdom website. What is a multi-currency business bank account in 2026? A multi currency business bank account lets your company hold, receive and send funds in multiple currencies like GBP, EUR, USD and AUD within a single platform. No automatic conversions eating into your margins with hidden conversion fees. Unlike a traditional UK bank account where each foreign currency often requires a separate sub-account with high FX spreads (averaging 2-4% above mid market rate), modern multi currency accounts provide dedicated local bank details for each currency. Think IBANs for EUR SEPA, sort codes for GBP Faster Payments and ACH routing for us dollars. Concrete 2026 example: A UK-based Shopify store selling fitness gear to the US, Germany and Australia collects USD via local US account details, holds EUR for Berlin warehouse suppliers via SEPA Instant, and pays UK staff in GBP. No cross-border wire fees. According to a 2025 BIS working paper on SME cross-border costs, average FX leakage sits at 2.8% for small firms using traditional banks. Multi currency solutions can cut that by 60-70%. For high-risk sectors, a multi currency business
Running a business across borders in 2026 means dealing with multiple currencies, payment rails and bank relationships. This guide breaks down everything you need to know about multi currency business accounts, from basic definitions to choosing the right partner for your international operations. What is a multi-currency business account? A multi currency business account is a single financial platform that lets your company hold, receive, send and manage money in multiple currencies without opening separate bank accounts for each one. Think of it as having several local wallets inside one big digital briefcase 💼. Instead of juggling five or more separate bank accounts across different countries, a multicurrency account consolidates everything into one business currency account. You can hold EUR, GBP, USD, SGD and other currencies simultaneously, converting only when rates favour you. The difference between a basic foreign currency account at a traditional bank and a modern multi currency business bank account is significant. Traditional banks often auto-convert at poor rates with 2-4% spreads and lack local rails like SEPA or ACH. Modern fintech providers offer dedicated local IBANs, UK sort codes for GBP, US routing numbers for USD, better FX transparency and API integrations for automation. ToBeBanked provides multi-currency corporate IBANs via European EMI and banking partners, specifically tailored for high-risk industries. This is not a generic retail solution but rather a structured approach for businesses that traditional banks often refuse. After 2022-2025 supply chain shocks and FX volatility, global firms increasingly rely on multi currency accounts for business to control fees and manage risk. The BIS reports cross-border payments grew 7% annually to reach $150 trillion in 2022, while the IMF noted a 20% rise in non-USD currency usage due to volatility concerns. Who actually needs a multi-currency business account? Not every corner shop needs a global currency account, but any firm earning or paying in more than one currency should seriously consider it. If cross-border revenue exceeds £250,000 annually or more than 20% of your expenses are in foreign currencies, the maths starts making sense. Typical use cases include: High-risk sectors that struggle with traditional banks: Each of these sectors needs a multi currency business account because they deal with chargebacks in different currencies, affiliates in many countries, card schemes settling in US dollars and ad platforms billing in various local currencies. Still with us? Great, moving on. Even low-risk exporters and remote-first agencies benefit from
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