FinXP
FinXP: industries it takes by its own published rules: Crypto, with conditions; iGaming, with conditions; Forex and CFD, with conditions; Marketplace, with conditions. Last verified October 26, 2026.
- FinXP Limited (IBAN4U) · electronic money institution licensed by the Malta Financial Services Authority under the Financial Institutions Act (company number C65783)
- Malta Financial Services Authority ·
Where it takes companies from
- 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
Products it publishes
International payments and FXSays it offers this
Move funds beyond SEPA through payout corridors covering 130+ countries and 60+ currencies.
Company cardsSays it offers this
Yes. FinXP is a Principal Member of Mastercard, which means we can issue card programmes directly rather than through an intermediary.
Accepting card paymentsSays it offers this
Accept card and alternative payment methods where the model and product fit are approved.
Bulk payoutsSays it offers this
Built for batch payments, collections and wider payout operations
Does not say it offers: Virtual accounts for your customers, Crypto on- and off-ramp, Safeguarding account, Client money account, Escrow
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
IBAN4U gives your business a Euro account in your own name, built for control, responsiveness and European reach.
Hold Euro balances in an account where eligible client funds are safeguarded, kept separate from FinXP's own money and never lent out or used to fund our business activities.
Send and receive Euro payments across all 41 European countries through direct European infrastructure.
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
| Industry | Status | Checked |
|---|---|---|
| Crypto | With conditions | |
| iGaming | With conditions | |
| Forex and CFD | With conditions | |
| Marketplace | With conditions |
No published rule (read in full on October 21, 2026): Adult, Unlicensed financial services, AI and SaaS
Has this rule changed? Tell us
Fees
| 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 |
Closing an account
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.
If you are still not satisfied with the FXPs reply or no agreement has been reached with FXP, the complaint may be directed to the Consumer Complaints Manager at the Office of the Arbiter for Financial Services
Account closed or frozen? What FinXP’s terms say
What we read
- Acceptable use and prohibited activities
- Searched, none published · finxp.com/terms-conditions · finxp.com/trust-and-compliance · finxp.com/payment-service-provider-guid…
- Help pages on particular industries
- Read · finxp.com/industries · finxp.com/industries/digital-assets-web3 · finxp.com/industries/affiliates · finxp.com/industries/platforms-marketpl… · finxp.com/about-us
- Countries it takes
- Read · finxp.com/about-us · finxp.com/industries
- Countries it refuses
- Searched, none published · finxp.com/terms-conditions · finxp.com/open-account
- Rules on owners and directors
- Searched, none published · finxp.com/terms-conditions · finxp.com/help · finxp.com/trust-and-compliance
- Prices
- Read · finxp.com/terms-conditions
- Terms on closing accounts
- Read · finxp.com/terms-conditions
- Complaints
- Read · finxp.com/terms-conditions
- Licence register
- Read · euclid.eba.europa.eu/register/pir/view/…