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FINCI

FINCI: industries it takes by its own published rules: AI and SaaS; iGaming, with conditions; Forex and CFD, with conditions; Marketplace, with conditions. Depends on the activity: Crypto. Last verified October 26, 2026.

Licensee
Finci, UAB (FINCI) · EMI licensed by the Bank of Lithuania (licence No. 60, authorisation LB001933, valid from 2019-12-05)
Regulator
Bank of Lithuania ·

Where it takes companies from

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

Products it publishes

International payments and FXSays it offers this

Open a multi-currency business account in GBP, EUR, PLN and USD. You'll save time and hassle when sending and receiving international payments. Plus, you can manage FX volatility.

FINCI · International payments and FX · Offers it · · Source
Company cardsSays it offers this

Get a Mastercard-powered digital debit card, when you open any FINCI account.

FINCI · Company cards · Offers it · · Source
Bulk payoutsSays it offers this

With a Client Funds Account you can also make bulk payments to customers and suppliers with our API connection.

FINCI · Bulk payouts · Offers it · · Source

Every provider that says it offers this

Virtual accounts for your customersSays it offers this

The same infrastructure can support banks, EMIs, payment institutions and eligible businesses with different payment collection and reconciliation needs. vIBANs can be assigned to customers, contracts or invoices, allowing incoming payments to be attributed automatically.

FINCI · Virtual accounts for your customers · Offers it · · SourceConditions: sold through FINCI's sales team ('Talk to our team about vIBANs for your bank, EMI or payment business')

Every provider that says it offers this

Crypto on- and off-rampSays it offers this

Crypto payment rails for on-ramp and off-ramp flows

FINCI · Crypto on- and off-ramp · Offers it · · SourceConditions: described as payment rails beside the account; the page does not say who converts the crypto

Every provider that says it offers this

Safeguarding accountSays it offers this

With a Client Funds Account you can easily keep customer and company funds separate.

FINCI · Safeguarding account · Offers it · · Source

Every provider that says it offers this

EscrowSays it offers this

It's easy to open a temporary escrow account online to securely and efficiently complete one-off large value transactions.

FINCI · Escrow · Offers it · · SourceConditions: only FINCI customers can apply; for one-off high-value deals

Every provider that says it offers this

Does not say it offers: Accepting card payments, Client money account

As its own pages say it, each quote with the date we read it. A product it does not mention is never shown as one it does not offer.

Currencies it holds

Holds EURa balance; account details of its own on the local payment system

Send and receive funds in multiple currencies - including GBP, PLN, USD and EUR - all from one dashboard.

FINCI · EUR · · SourceThis quote speaks to: a balance

Send and receive euros across 36 European countries

FINCI · EUR · · SourceThis quote speaks to: account details
Holds GBPa balance

Send and receive funds in multiple currencies - including GBP, PLN, USD and EUR - all from one dashboard.

FINCI · GBP · · SourceThis quote speaks to: a balance

Now you can easily trade GBP, PLN, USD and EUR.

FINCI · GBP · · SourceThis quote speaks to: a balance
Holds USDa balance

Send and receive funds in multiple currencies - including GBP, PLN, USD and EUR - all from one dashboard.

FINCI · USD · · SourceThis quote speaks to: a balance

Receive and manage EUR and USD

FINCI · USD · · SourceThis quote speaks to: a balance

Does not say it holds: CAD, SGD, HKD, AUD

Only currencies its own pages name, each quote with the date we read it. A currency it does not mention is never shown as one it does not hold.

Policy by industry

FINCI: published policy by industry
IndustryStatusChecked
AI and SaaSYes
iGamingWith conditions
Forex and CFDWith conditions
MarketplaceWith conditions
CryptoDepends on the activity
AdultNo
Unlicensed financial servicesNo

Has this rule changed? Tell us

Alternatives to FINCI

Fees

FINCI: published fees
PlanAccount openingMonthlyChecked
Standard€50 "Verification of Client's documents" (not returned if FINCI refuses the account) + €15 account opening€20 a month · Source
Enterprise€100 "Verification of Client's documents" (not returned if FINCI refuses the account) + €50 account opening€45 a month · Source
Premium€1000 "Verification of Client's documents" (not returned if FINCI refuses the account) + €120 account opening€120 a month · Source

Fees of every provider

Closing an account

15.2.2. FINCI has the right to unilaterally and out-of-court terminate the Service agreement without specifying the reasons by notifying the Client thereof 60 (sixty) calendar days (if the Client is not the Consumer - 30 (thirty) calendar days) in advance

Notice before closing · · Source

21. If the Applicant is not satisfied with the decision made by the Company, the Applicant shall have the right: a. to refer the matter to the competent court of the Republic of Lithuania according to the registration address of the Company;

Complaints and where to go next · · Source

Account closed or frozen? What FINCI’s terms say

Rules about countries

Kindly note that although your company can be registered outside the EEA, it is crucial that your main business activities are connected to the EEA. This connection is necessary for us to assess and consider your business account application.

FINCI · Takes companies registered in · · Source
All countries named (67)

Argentina, Armenia, Australia, Austria, Azerbaijan, Bahrain, Belgium, Bosnia & Herzegovina, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Israel, Italy, Japan, Kazakhstan, Kosovo, Kuwait, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Mexico, Moldova, Montenegro, Morocco, Netherlands, New Zealand, Nigeria, North Macedonia, Norway, Poland, Portugal, Qatar, Romania, Saudi Arabia, Serbia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Türkiye, Turkmenistan, Ukraine, United Arab Emirates, United Kingdom, United States, Uzbekistan

What we read

Acceptable use and prohibited activities
Read · finci.com/files/7/ENG_General_Terms_and…
Terms on closing accounts
Read · finci.com/files/7/ENG_General_Terms_and…