YOU BUILD THE BUSINESS.
Banking infrastructure for companies that move money across borders. FX, cross-border payments, and virtual IBANs — built for importers, exporters, and financial institutions.
Fully Licensed
Payment Institution
NBB Supervised
National Bank of Belgium
European HQ · EEA
Operating across the EEA
Multi-Currency
Settlement Infrastructure
ONE PARTNER.
THREE CORE CAPABILITIES.
BUILT FOR GLOBAL COMMERCE.
Stop letting payments slow your business down.
We handle the licensing, the rails, the infrastructure. You get competitive FX, fast cross-border settlements, and virtual IBANs — from a single relationship.
FX & Currency Conversion
Currency conversion without the bank markup.
Your bank picks a spread. You pay for it.
We don’t do that. Competitive FX across major and emerging-market currencies — your invoices, payroll, and supplier contracts settle at rates that actually work for you.
- Spot conversion in major and emerging-market currencies
- Transparent pricing — you see the rate before you commit
- Settlement aligned with your operational calendar
- Support from a dedicated account team
Live Indicative Rate
1.0842
EUR/USD
GBP / USD
1.2714
+0.12%
USD / BRL
5.1230
−0.08%
EUR / GBP
0.8521
+0.04%
Recent Transactions
Supplier · Berlin
EUR · SEPA Instant
€24,500
Settled
Collection · São Paulo
BRL → EUR
R$ 180,000
Settled
Payroll · Warsaw
PLN · Bulk · 38 entries
zł 210,000
Processing…
Cross-Border Payments
Send and receive payments globally, settle locally.
Pay suppliers, collect from customers, and move funds between entities without the delays, intermediary fees, and reconciliation headaches of traditional correspondent banking.
Our infrastructure routes payments through local networks wherever possible, giving you faster settlement and clearer cost visibility on every transaction.
- Outbound payments to global destinations
- Inbound collections in multiple currencies
- Bulk payment processing for high-volume operations
- Real-time tracking and status updates
Dedicated account numbers.
Centralised reconciliation.
Issue virtual IBANs in your name or assign them to your customers, suppliers, or end-users. Every payment is automatically attributed to the right counterparty — reconciliation stops being a manual job. Ideal for marketplaces, fintechs, treasury teams, and any business handling payments at scale.
Dedicated IBANs issued under your structure
Automatic payment attribution
Reconciliation built into the data feed
Scalable from a handful of accounts to thousands
3,200+
IBANs issued
12
Currencies
100%
Auto-matched
Your Virtual IBANs
+ Issue new
AC
Acme Corp
GB29 NWBK 6016 1331 9268 19
€124,500
Active
S4
Supplier #42
DE89 3704 0044 0532 0130 00
€38,200
Active
U1
User #1,847
FR76 3000 6000 0112 3456 7890 189
€9,750
Pending
MP
Marketplace Pool
ES91 2100 0418 4502 0005 1332
€512,000
Active
Every inbound payment is matched automatically — no manual reconciliation required.
Cross-Border Payments
Two Ways to Partner With Us
Importers & Exporters
Trade globally without losing margin to your bank.
International trade lives or dies on margins. Every percentage point lost on FX or every day of delayed settlement is profit you don't keep. We work with import and export businesses to put the right banking infrastructure behind their trade flows — converting currencies competitively, paying suppliers on time, and collecting from customers in the currencies they prefer to use.
Financial Institutions
Scale your offering without building from scratch.
Banks, neobanks, payment service providers, and fintechs use our infrastructure to expand what they offer their clients without the years and capital required to build — or licence — it themselves. White-label or API-integrated, our FX, payments, and VIBAN capabilities plug into your stack and operate under your brand.
A licensed European partner,
not a re-seller.
We’re a regulated payment institution authorised under PSD2 and supervised by the National Bank of Belgium — not a broker layering a UX over someone else’s licence. That distinction matters when your business depends on compliance certainty, settlement reliability, and a partner that can be held accountable by a tier-one regulator.
Regulatory clarity.
PSD2 licence, NBB supervision, and full EEA passporting rights.
Operational depth.
Multi-currency infrastructure designed for cross-border flows from day one.
A real team behind the platform.
Onboarding, account management, and operations staffed by people who answer your calls.
Three steps from first call to live operation.
01
Discovery
We map your flows.
Where money comes in, where it goes out, in which currencies, at what frequency. No template — your setup drives the conversation.
02
Onboarding
KYC, KYB, and account provisioning.
Our compliance team handles the regulatory side; your operations team gets clear documentation and a single point of contact.
03
Go-live
Accounts active. Payments flowing.
FX desk available, VIBANs issued, payments flowing. You operate; we run the rails underneath.
Ready to put your cross-border operations on better infrastructure?
Tell us what your business does and where money needs to move. We’ll show you what a Belmoney setup would look like in practice — no slide-deck pitch, just a working scope.
Got Questions?
Find answers to the most frequently asked questions right here.
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