Equals Money

Equals Money is a UK-based fintech company that has been operating since 2005, providing comprehensive financial infrastructure and payment solutions for businesses, including specialized services for digital asset firms and crypto-related companies. Part of Equals Group Limited, the company is FCA-authorised and serves over 50,000 businesses worldwide.

Core Products/Services

Equals Money offers a comprehensive suite of B2B financial products:

Banking-as-a-Service (BaaS)

Financial infrastructure that enables businesses to build their own branded financial solutions via API integration or white-label platforms. Includes card issuing (Visa and Mastercard), multi-currency accounts with IBANs, payments infrastructure (SWIFT, SEPA, FPS), and spend management capabilities across UK and EU markets.

Multi-Currency Business Accounts

Named business accounts with multi-currency IBANs supporting 38 currencies, enabling businesses to send, receive, and manage funds without conversion. Includes direct connections to payment networks (UK FPS, CHAPS, SEPA, SWIFT) and safeguarded account protection.

International Payments & FX

Global payment solutions with access to 140+ currencies, same-day international transfers via SWIFT and SEPA connections, forward contracts for hedging, and in-house currency expertise. Includes bulk payment capabilities (up to 10,000 payments per batch).

Corporate Card Solutions

Prepaid business cards, debit cards, virtual cards, and purchasing cards with real-time spending controls, budget management, digital wallet integration (Apple Pay, Google Pay), and automatic reconciliation via Xero and SAP Concur integrations.

Spend Management Platform

Comprehensive spend visibility and control platform with custom spending limits, multi-tier approval workflows, receipt capture, real-time transaction monitoring, and integration capabilities with existing financial systems.

Digital Asset Services

Specialized solutions for digital asset firms including:

• USDC off-ramp payments (rapid stablecoin-to-USD conversion)
• Multi-currency accounts for crypto on/off ramping
• Tier 1 banking relationships for digital asset companies
• API integration for automated fiat flows
• Custom acceptance criteria for crypto-related businesses

API & Developer Tools

RESTful APIs for payments, account management, card issuance, and FX operations. Full developer portal with documentation, sandbox environment, and technical support for integration teams.

Key Strengths

Regulated Financial Institution: FCA-authorised for payment services (FCA No. 488396) and electronic money activities (FCA No. 900493, 504547, 900594), providing institutional-grade compliance and security.

Crypto Industry Commitment: Lead Tier member of CryptoUK, demonstrating commitment to the digital asset sector with specialized products for crypto exchanges, CFD brokers, digital asset managers, and blockchain companies.

Global Payment Infrastructure: Direct connections to major payment networks (SWIFT, SEPA Instant, UK Faster Payments, CHAPS) with multi-currency support and competitive FX rates.

Flexible Deployment Models: Offers API-first integration, white-label solutions, and hybrid approaches, allowing businesses to embed financial services with their own branding.

Enterprise-Grade Support: 365-day UK-based support team, dedicated account managers, and currency experts with 100+ years combined experience.

Notable Clients/Industries Served

Equals Money serves diverse sectors including:

• Digital asset firms and crypto exchanges
• CFD brokers and trading platforms
• iGaming and online gaming platforms
• Film & TV production companies
• Travel operators and hospitality
• E-commerce businesses
• Manufacturing and wholesale
• Accountancy firms

With 50,000+ business customers and 14K+ LinkedIn followers, Equals Money has established itself as a trusted partner for businesses requiring sophisticated multi-currency payment infrastructure.

Why Choose Equals Money

For Digital Asset Companies: Equals Money uniquely understands the challenges faced by crypto businesses in accessing traditional banking rails. Their USDC payment solutions, custom risk-based acceptance criteria, and CryptoUK membership demonstrate genuine commitment to serving the Web3 sector.

For Global Businesses: With 38 currencies in multi-currency accounts and 140+ currencies for payments, businesses can operate globally without maintaining multiple banking relationships or dealing with complex currency conversions.

For Fintechs & Platforms: The Banking-as-a-Service offering provides full financial infrastructure via API or white-label, enabling rapid deployment of embedded finance products without the complexity of obtaining regulatory licenses.

For Enterprise Finance Teams: Comprehensive spend management, automated reconciliation with major accounting platforms, and granular permission controls provide CFOs and finance teams with real-time visibility and control over company spending.

Equals Money combines 20 years of payments expertise with modern API-first infrastructure, positioning itself as a bridge between traditional banking and the emerging digital asset economy.