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Finance & Banking

Send, spend and operate globally.

Digital financial tools that help individuals, businesses and remote workers send money internationally, manage multiple currencies, receive payments, spend abroad and operate globally.

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The fastest route to a decision in Finance & Banking.

9.2*
Free account, per-transfer fees

Wise

Real mid-market exchange rates, transparent fees and local account details in 10+ currencies — the default modern option for cross-border money.

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9.2*
Per-transaction pricing, varies by market

Stripe

The developer-first payments platform: card acquiring, subscriptions, invoicing and marketplace payouts behind one API.

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8.9*
Free personal current account; paid business add-ons

Starling Bank

A fully licensed UK bank with app-first design — deposit protection included, not bolted on.

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8.9*
Interchange-plus, quoted per merchant

Adyen

Single-platform payments for scale: direct acquiring, local payment methods and unified online plus in-store commerce.

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8.9*
Free tier plus paid finance-operations tiers

Mercury

Startup banking for US-incorporated companies: sub-accounts, granular permissions, cards and an API finance teams can automate against.

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8.8*
Tiered monthly plans, vary by market

Revolut Business

A multi-currency business account with staff cards, spend controls and in-app FX for companies earning and paying in several currencies.

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8.7*
Rates vary by channel and market; hardware sold separately

Square

Commerce infrastructure that starts at the counter: till software, first-party hardware and one catalogue across channels.

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8.6*
Plan and transaction pricing varies by entity

Airwallex

A global business finance platform built for companies that collect, hold and pay in several currencies at once.

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8.6*
Free tier plus a paid business tier

Monzo Business

A UK business current account from a licensed bank, with Pots that make tax and VAT provisioning automatic.

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8.5*
Fees vary by corridor

Remitly

The best remittance app for sending money to family abroad — cash pickup and mobile-money reach that Wise simply doesn't have.

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8.4*
Per-transaction merchant fees, vary by market

PayPal

A payments network with a consumer wallet in front of it — chosen for buyer recognition rather than developer experience.

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8.3*
Free core plan; paid tier for faster payments

Relay

US business banking designed around cash-flow discipline — multiple accounts, multiple cards, clear ownership.

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8.3*
Free tier plus paid tiers with cashback and insurance

N26 Business

A euro business account from a German-licensed bank, built for freelancers and the self-employed rather than teams.

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8.2*
Fees vary by transaction type and currency

Payoneer

Cross-border receiving accounts for freelancers, sellers and contractors paid by overseas clients.

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8.0*
From 2.59% + $0.49 per transaction (US)

Braintree

PayPal's developer-focused payments platform. Best when you specifically need the PayPal wallet at checkout.

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8.0*
Per course

The TEFL Institute

Accredited online TEFL courses for aspiring English teachers, remote workers, travellers and career changers.

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7.8*
Vendor-published pricing

Business Anywhere

Launch and manage a US business remotely, with company formation and essential business administration tools in one platform.

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7.8*
Tiered subscription plans (see vendor pricing)

Online Check Writer

A B2B payables platform that keeps paper cheques, ACH and eChecks in one place — useful precisely because US vendors still ask for cheques.

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The concepts that come up most often when evaluating Finance & Banking.

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