Business accounts
Accounts and IBANs issued by FCA-authorised institutions
Dedicated multi-currency business accounts in your company’s name — with safeguarding explained, not buried.
What you get
Dedicated business IBANs
Accounts in your business’s name — not a pooled reference number — for clean receipt, holding and payment of funds.
Multi-currency wallets
Hold and manage 40+ currencies in one place, and convert when it suits you through the group’s FX line.
Safeguarding, explained
Client funds at an EMI are safeguarded under FCA rules. We explain exactly where your money sits and how it is protected — in plain English.
Built for complex businesses
Sectors that mainstream banks decline are assessed on their merits, subject to each institution’s own onboarding and compliance.
Explore the line: virtual IBANs · international payments · currency exchange · treasury & payouts · expense cards · safeguarding, explained
VIP360 is the platform, not the counterparty: regulated services are provided by the licensed institution you are matched with, under its own licence and terms.
Frequently asked questions
Who issues the account?
Accounts and e-money are issued by FCA-authorised e-money institutions — in the group, Remittance360 Ltd (EMI, FRN 901072) — or a partner institution, depending on your requirements and jurisdiction. The issuing entity is always named before you commit.
Is this a bank account?
It is an e-money account, not a bank account. Instead of deposit protection (FSCS), e-money institutions must safeguard client funds under FCA rules — held separate from the institution’s own money. Our safeguarding page explains the difference honestly.
Can we open an account if a bank has declined us?
Often, yes. EMIs in the group assess complex and specialist businesses on their merits — sector, flows and compliance posture — rather than applying a blanket sector exclusion.
What does it cost?
Pricing depends on your currencies, volumes and corridors, and is quoted by the matched institution with every cost explained before you commit.
Check if we can help
Tell us what you need. You deal with one team, and the group’s licensed institutions sit behind it.