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Moneybase Business vs Xace: what each publishes

As of October 26, 2026, Xace takes these industries by its own published rules: AI and SaaS; iGaming, with conditions. We hold no such rule from Moneybase Business.

Moneybase BusinessMalta Financial Services AuthorityXaceFCA / DNB / MFSA

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

Moneybase Business

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

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

Moneybase Business and Xace: published policy by industry
IndustryMoneybase BusinessXace
AI and SaaSNo published ruleYes
iGamingNoWith conditions
CryptoNoNo published rule
AdultNoNo published rule
Unlicensed financial servicesNoNo published rule
Forex and CFDNo published ruleNo published rule
MarketplaceNo published ruleNo published rule

Where owners must live

Moneybase Business

No published rule

Xace

No published rule

Rules about countries

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

Xace

No published rule

Fees

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

Xace

Xace: published fees
PlanAccount openingMonthlyChecked
Gaming Payment AccountPrice on application ('£POA joining fee')GBP 250 a month per account · Source
Business Payment AccountPrice on application ('£POA joining fee')GBP 250 a month per account · Source

Closing an account

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

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.

Notice before closing · · Source

Account closed or frozen? What Xace’s terms say

Licence

LicenseeMoneybase BusinessXace
LicenseeMoneybase 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 plcXace 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)
RegulatorMalta Financial Services Authority · FCA / DNB / MFSA ·