Services

One account, every payment your business makes.

Settled brings payments, IBANs, currencies and cards under a single login. Move money locally and worldwide, hold the currencies you trade in, and put smart Visa Business cards in your team's hands, all regulated in Malta and passported across the EU/EEA.

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Currencies in one account
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Countries reachable by SWIFT
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SEPA in/out, min €2
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Average onboarding
Confirming a SEPA payment in the Settled app
SWIFT & SEPA payments

Pay anyone, locally and worldwide.

Send and receive euro payments across the SEPA zone, often within seconds via SEPA Instant, and reach 190+ countries on SWIFT. Save beneficiaries, reuse templates and confirm with strong customer authentication. Review, approve, done.

  • SEPA & SEPA Instant

    Euro transfers across the single payments area, in and out from 0.1% (minimum €2).

  • SWIFT worldwide

    Cross-border payments to 190+ countries, tracked and transparent, from 0.15% (minimum €15).

  • Beneficiaries & templates

    Pay recurring partners and run payouts in a tap, with full audit trail on every transfer.

  • Secure by default

    Strong customer authentication and live alerts on every payment you send or receive.

Open your account
Opening a dedicated IBAN in the Settled app
Dedicated IBANs

Your own Maltese & EU IBANs.

Every Settled account comes with dedicated IBANs in your company name, not a shared, pooled number. You get clean, named settlement your clients and partners recognise, and efficient transactions right across the Eurozone.

  • Named, dedicated IBANs

    Maltese and EU IBANs issued to your business for clear, traceable settlement.

  • Eurozone-ready

    Receive and send across the SEPA zone with details your counterparties trust.

  • Full control online

    Monitor, reconcile and manage every flow from one dashboard, on web and mobile.

  • MFSA regulated

    Issued by Settled Ltd, authorised and regulated by the MFSA and passported across the EU/EEA.

For your business
Settled multi-currency account balances
Multi-currency accounts

Hold 12+ currencies, all in one place.

A Settled account goes well beyond a traditional euro-only account. Hold, receive and convert EUR, USD, GBP and more, side by side, then exchange on demand at transparent rates, your tool for global flexibility, without juggling separate banks.

  • Real multi-currency

    EUR, USD, GBP, JPY, CHF, AUD, CAD and more, held and managed from a single view.

  • Transparent FX

    Convert when you need to, major pairs from 1%, and from 0.75% on Premium.

  • Free internal transfers

    Move money between Settled accounts instantly, at no cost, in any currency.

  • Built to integrate

    Clean statements and exports, plus APIs on request, to fit your finance ops.

See the schedule of fees
Settled Visa Business cards, front and back
Card solutions

Smart Visa Business cards for your team.

Issue virtual cards in seconds and order physical cards for the people who spend. Set per-card limits, freeze and unfreeze instantly, and track every transaction in real time, accepted everywhere Visa is. We can issue cards to businesses across the EU and EEA.

  • Virtual & physical

    Spin up cards for projects, vendors or staff, virtual from €3, physical from €15 to issue.

  • Spend controls

    Per-card limits, instant freeze/unfreeze and live alerts your finance team will love.

  • Worldwide acceptance

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

  • Issued across the EU/EEA

    Cards available to eligible businesses in EU and EEA countries, linked to your account.

Order your cards
One stack

Four services, one regulated account

Payments, IBANs, currencies and cards work together inside Settled, so you can stop stitching banks and tools together and run finance from a single place.

SWIFT & SEPA

Local and global payments, in and out, with tracked transfers and saved beneficiaries.

Dedicated IBANs

Named Maltese and EU IBANs for clean settlement across the Eurozone.

Multi-currency

Hold and convert 12+ currencies on demand at transparent FX rates.

Visa Business cards

Virtual and physical cards with controls, limits and instant freeze.

Bank-grade security

Strong customer authentication, encryption and continuous monitoring.

Free internal transfers

Settled-to-Settled moves are instant and always free, in any currency.

Ready when you are

Put every payment in one account.

Open your Settled account today and run payments, IBANs, currencies and cards from a single, regulated home, built for how modern businesses operate.

Open your account Talk to us