FinXP vs Xace: 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. Xace: AI and SaaS; iGaming, with conditions.
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
Xace
- 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
Policy by industry
| Industry | FinXP | Xace |
|---|---|---|
| AI and SaaS | No published rule | Yes |
| Crypto | With conditions | No published rule |
| iGaming | With conditions | With conditions |
| Forex and CFD | With conditions | No published rule |
| Marketplace | With conditions | No published rule |
| Adult | No published rule | No published rule |
| Unlicensed financial services | No published rule | No published rule |
Where owners must live
FinXP
No published rule
Xace
No published rule
Rules about countries
FinXP
No published rule
Xace
No published rule
Fees
FinXP
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| IBAN4U account | EUR 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 |
Xace
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Gaming Payment Account | Price on application ('£POA joining fee') | GBP 250 a month per account | · Source |
| Business Payment Account | Price on application ('£POA joining fee') | GBP 250 a month per account | · 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.
Xace
11.2 We may close a Payment Account by notifying You by e-mail or through the Portal on at least three months' notice or immediately if We suspect that there has been a breach of these Terms and Conditions.
Licence
| Licensee | FinXP | Xace |
|---|---|---|
| Licensee | FinXP Limited (IBAN4U) · electronic money institution licensed by the Malta Financial Services Authority under the Financial Institutions Act (company number C65783) | Xace Limited · authorised payment institution, FCA (FRN 948213), and EMD agent of Modulr FS Limited (agent reference 902828) · accounts and cards provided by Modulr FS Limited · electronic money institution authorised by the FCA (FRN 900573), or by Modulr Finance B.V. · electronic money institution authorised by De Nederlandsche Bank (R182870) · Xace Malta Ltd · payment institution licensed by the Malta Financial Services Authority (C 102626) |
| Regulator | Malta Financial Services Authority · | FCA / DNB / MFSA · |