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FinXP vs Moneybase Business: what each publishes

As of October 26, 2026, FinXP takes these industries by its own published rules: Crypto, with conditions; iGaming, with conditions; Forex and CFD, with conditions; Marketplace, with conditions. We hold no such rule from Moneybase Business.

FinXPMalta Financial Services AuthorityMoneybase BusinessMalta Financial Services Authority

Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.

Where it takes companies from

FinXP

  • United Kingdom
  • EU / EEA (western & northern, plus Spain, Italy, Portugal)
  • EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
  • Switzerland / Liechtenstein

The regions its own documents name, read on October 21, 2026

Moneybase Business

Its own list of countries, quoted below with its source and date

Policy by industry

FinXP and Moneybase Business: published policy by industry
IndustryFinXPMoneybase Business
CryptoWith conditionsNo
iGamingWith conditionsNo
Forex and CFDWith conditionsNo published rule
MarketplaceWith conditionsNo published rule
AdultNo published ruleNo
Unlicensed financial servicesNo published ruleNo
AI and SaaSNo published ruleNo published rule

Where owners must live

FinXP

No published rule

Moneybase Business

No published rule

Rules about countries

FinXP

No published rule

Moneybase Business

Individuals and businesses living in supported countries are eligible to apply for an account, as long as they meet the other specified criteria.

Moneybase Business · Takes companies registered in · · Source
All countries named (36)

Andorra, Australia, Austria, Belgium, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, New Zealand, Norway, Poland, Portugal, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom

Fees

FinXP

FinXP: published fees
PlanAccount openingMonthlyChecked
IBAN4U accountEUR 1,500, non-refundable, unless otherwise agreed ('The present standard opening account fee € 1.500 00 unless otherwise agreed')Not published (Tariff of Charges sent once the account is opened) · Source

Moneybase Business

Moneybase Business: published fees
PlanAccount openingMonthlyChecked
Small BusinessFree ('Account Opening Fee')EUR 9.99 a month, or EUR 107.89 a year paid annually · Source
GrowthFree ('Account Opening Fee')EUR 25 a month, or EUR 270.00 a year paid annually · Source
EnterpriseFree ('Account Opening Fee')EUR 85 a month, or EUR 918.00 a year paid annually · Source

Closing an account

FinXP

However, we may terminate this agreement or cancel or suspend the use of the services at any time by giving you one (1) month notice in writing or such other shorter notice period as may be allowed by law, except where the Channels or the Account have been or are likely to be misused or in the event of any other serious reason including breach or possible breach by you of these Terms and Conditions, in which case, termination, cancellation or suspension will be immediate.

Notice before closing · · Source

Account closed or frozen? What FinXP’s terms say

Moneybase Business

Unless otherwise provided in these Terms, Moneybase is entitled to terminate the Client relationship by giving the Client 15 days' notice.

Notice before closing · · Source

Account closed or frozen? What Moneybase Business’s terms say

Licence

LicenseeFinXPMoneybase Business
LicenseeFinXP Limited (IBAN4U) · electronic money institution licensed by the Malta Financial Services Authority under the Financial Institutions Act (company number C65783)Moneybase Ltd · financial institution licensed by the Malta Financial Services Authority to issue electronic money and provide payment services (company number C87193) · part of Calamatta Cuschieri Moneybase plc
RegulatorMalta Financial Services Authority · Malta Financial Services Authority ·