Empower Your Business with Direct, Scalable Access to Payments, FX, Accounts and Attractive Interest Rates

Through our partnership with Microsoft, you gain access to Banking Circle’s next-gen financial ecosystem - covering payments, accounts, FX, attractive interest rates, and more.

Banking Circle’s mission is to increase efficiency and reduce costs around cross-border transactions. We are next generation bank, powered by the latest technology.

We offer a comprehensive and flexible suite of services across accounts, payments, FX and attractive interest rates, tailored to meet the needs of companies with ambitious payment goals.

Trusted by 650+ Institutions Worldwide

Today, more than 650 banks, financial institutions, and marketplaces rely on Banking Circle to power their payment flows, processing over €1 trillion annually.

Banking Circle & Microsoft: Empowering Your Financial Future

Our strategic partnership with Microsoft gives you direct access to Banking Circle’s regulated financial infrastructure through a single API, enabling you to:

• Payments & Collections: Execute your cross-border payments cost-efficient and real-time by partnering with a fully licensed bank offering you direct access to 11 local clearing schemes and cross-border payments in 24 currencies

• Banking-as-a-Service: Gain access to IBANs, multi-currency and unlimited virtual accounts, plus advanced account management tools.

• FX & Currency Exchange: Benefit from competitive, automated FX rates for seamless global transactions

• Fiduciary Arrangement: Secure your excess liquidity overnight in a bankruptcy-remote structure while earning attractive interest, with full next-day fund availability.

• Data-Enriched Payments: Customize payment and account data enrichment with instant webhook notifications tailored to your operational needs.

• Compliance & Risk Management: Ensure regulatory compliance with our built-in AML and KYC processes.

• Liquidity Management: Optimize global cash flow with advanced FX and treasury solutions.

• Single API Integration: Connect easily via a developer-friendly, fully documented API – directly to us or through Microsoft

Our joint offering is designed to support a wide range of clients, including banks, non-bank financial institutions such as acquirers, PSPs, FX providers, investment funds, Web3-native businesses and Corporates.

Discover how Banking Circle can power your global financial operations.