Business banking, reimagined

Move money beyond borders.

Instant SEPA payments. SWIFT, worldwide. Multi-currency IBANs.

One account to hold, send and exchange money in 12+ currencies, with dedicated IBANs, low-cost transfers and smart Visa Business cards. Open in minutes, built for how modern companies operate.

  • Dedicated Maltese & EU IBANs
  • SEPA from 0.1%
  • Virtual & physical cards
  • MFSA regulated
Open your account See pricing
Trusted by businesses across the EU/EEA · Visa Business · MFSA regulated
Settled Visa Business cards Settled app home screen
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Settled multi-currency accounts
Accounts

Hold 12+ currencies in one place.

Open dedicated IBANs in your company name and manage every currency from a single dashboard. Fiat and crypto rails sit side by side, so you stop juggling banks.

  • Dedicated IBANs

    Your own Maltese & EU IBANs for clean, named settlement.

  • Instant internal transfers

    Move money between Settled accounts for free, in real time.

  • Real multi-currency

    Hold, receive and convert EUR, USD, GBP and more on demand.

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Settled Visa Business cards
Cards

Smart Visa Business cards.

Issue virtual cards in seconds and order physical cards for your team. Set limits, freeze instantly and spend in any currency, accepted everywhere Visa is.

  • Virtual & physical

    Spin up cards for projects, vendors or staff on demand.

  • Spend controls

    Per-card limits, freeze/unfreeze and live transaction alerts.

  • Worldwide acceptance

    Tap to pay across the EU/EEA and beyond, in local currency.

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Everything you need

A complete finance stack

From dedicated IBANs to global cards, Settled replaces the patchwork of banks and tools modern businesses outgrow.

Multi-currency accounts

Dedicated IBANs and balances across major currencies, all in one dashboard.

SEPA & SWIFT

Send and receive locally and globally. SEPA from 0.1%, SWIFT worldwide.

Competitive FX

Convert between currencies at transparent rates, when you need to.

Visa Business cards

Virtual and physical cards with controls your finance team will love.

Bank-grade security

Strong customer authentication, encryption and continuous monitoring.

Built to integrate

Clean exports and APIs (on request) to fit your existing finance ops.

Confirm a payment in the Settled app
Payments

Pay anyone, anywhere.

Beneficiaries, templates and batch-ready flows take the work out of payouts. You review, confirm and send, with full visibility on every transfer.

  • SEPA & SEPA Instant

    Euro payments across the SEPA zone, often within seconds.

  • SWIFT worldwide

    Reach 190+ countries with transparent, tracked transfers.

  • Saved templates

    Reuse beneficiaries and pay recurring partners in a tap.

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Get the app

Your business finance, in your pocket.

Open accounts, move money, manage cards and approve payments on iOS and Android.

Download on theApp Store Get it onGoogle Play
Pricing

Simple plans that scale

Transparent monthly subscriptions. Internal Settled-to-Settled transfers are always free.

Basic

€50/mo

For founders and small teams getting started.

  • 1 multi-currency account
  • 1 free virtual card
  • SEPA 0.1% · SWIFT 0.15%
  • FX from 1%
Get started
Most popular

Plus

€75/mo

For growing businesses that move more money.

  • 1 multi-currency account
  • 3 virtual + 1 physical card
  • SEPA 0.1% · SWIFT 0.15%
  • FX from 1%
Get started

Premium

€150/mo

For scale-ups with cross-border volume.

  • 2 multi-currency accounts
  • 5 virtual + 2 physical cards
  • VIP exchange fees
  • FX from 0.75%
Get started

Onboarding from €250 · See the full schedule of fees.

Loved by operators

Businesses move faster with Settled

★★★★★

"We replaced two banks and a card provider with Settled. Multi-currency IBANs and instant SEPA changed how fast we can pay partners."

WS
Wojtek S.CEO, Bugsy Empire
★★★★★

"Onboarding took minutes, not weeks. The cards and spend controls are exactly what our finance team needed."

LD
Laila D.Founder, AIA Curls
★★★★★

"Transparent FX and SWIFT to 190+ countries means we finally have one account that keeps up with where we operate."

MR
Marco R.COO, Northwind Trading
FAQ

Questions, answered

Settled is built for businesses, from founders and SMEs to scale-ups operating across the EU/EEA. During onboarding we verify your company and its directors in line with our regulatory obligations.

Most applications are completed in minutes. Depending on your industry and profile we may request additional documents, but our team works to get you live as quickly as possible.

Hold 12+ currencies with dedicated IBANs, send and receive via SEPA / SEPA Instant and SWIFT, and convert with transparent FX. Internal Settled-to-Settled transfers are free.

Yes. Settled Ltd is authorised and regulated by the MFSA as a financial institution under the Financial Institutions Act (Cap. 376 of the Laws of Malta) and is passported across the EU/EEA.

Plans start at €50/month. SEPA from 0.1%, SWIFT from 0.15% and FX from 1%. See the full schedule of fees for details.

All FAQs

Ready to move money beyond borders?

Open your Settled account today and give your business one place to hold, send and spend across the globe.

Open your account Talk to us