A euro account for working with European clients: receive EUR payments, pay suppliers, and manage euro balances without a conversion in the middle.
European counterparties ask for euro details and pay by SEPA. Without them, every invoice becomes a negotiation about how the money will actually arrive.
Euros converted on arrival and converted back to pay a euro invoice cost two spreads on money that never needed to change currency.
One account collecting every currency makes reconciliation harder than it needs to be, because attribution is deferred to the end of the month.
Money that arrives on your EUR IBAN lands on a euro balance and stays there. Nothing is converted on the way in, so a euro invoice is settled out of euros you already hold.
When euros do have to become another currency, the rate and the cost sit beside each other before you confirm. No margin folded into a rate you cannot check afterwards.
The euro balance sits inside a multi-currency account, beside the other currencies your company earns and pays in. One profile, no separate provider per currency.
EUR IBAN accounts give you details of your own to publish on an invoice, so third parties can pay you directly. See IBAN accounts for the receiving side.
Every payment carries a status, and periods export with the detail and the references intact — so reconciliation is reading a file, not rebuilding one.
Balances, payments, beneficiaries and approvals live in one place, with more than one person able to work in it. Apply online through KYB review; documents are sent remotely.
Topped up from your own company accounts. Payments to suppliers and staff go out from here.
The details clients and platforms pay into, kept apart from the balance.
Two layers sit behind a euro account, and the difference between them decides what you can do with it. The euro balance holds the funds and is what payments are made from; it is topped up from accounts belonging to your own company. The EUR IBAN account carries the details third parties use to pay in, so receiving from a client or a platform always runs through the IBAN side.
The euro balance sits inside a multi-currency account rather than standing alone, so euros are one of the currencies the company holds beside the others it earns and pays in. Moving between them is a conversion whose cost you see before confirming, not something applied at the edge of the system.
Payments travel SEPA inside the SEPA area, SEPA Instant as a scheme within it where available, SWIFT from further afield, and internally between Fenryx accounts. Every payment carries a status on the platform and reaches an export that keeps its reference. The account opens online through KYB review, and the currencies available on it are agreed for your account rather than published as a fixed list.
Clients pay by SEPA into EUR IBAN details, and the euros stay euros until the company decides otherwise.
Contractors invoice in euros and are paid from the euro balance, so the payment does not open with a conversion.
Platform settlements land in euros on details of the seller's own rather than arriving converted.
Euro flows kept on their own account for cleaner reconciliation. See international business accounts.
Tell us who pays you in EUR and who you pay, and we will confirm what is available for your account before any paperwork starts.
Open a EUR business accountWorking in dollars or at home too? See the USD business account and the CAD business account.
Tell us about the company and its euro flows.
The company and its owners are verified.
Euro balance, EUR IBAN details and users configured.
Publish your details, or send your first euro payment.
Figures are quoted per account at onboarding — see how pricing works.
| Account fee | Quoted per account |
| Transaction fee | Quoted per rail |
| Conversion | Rate and cost shown side by side |
| Limits | Set at onboarding |
Registered legal entities only; we do not open personal accounts. A company does not need to be registered in the EU to hold euros; the balance is about the currency, not the jurisdiction.
What it does depend on is business type, jurisdiction and the outcome of KYB review, and screening continues for the life of the account. No account or currency is guaranteed beforehand.
A summary. See our AML Policy.
A business account holding a balance denominated in euros, with EUR IBAN details clients can pay into. Euros received stay as euros and euro invoices are paid from them.
The application is online and documents are sent remotely. Every account opens through KYB review, so it goes live once that review is complete rather than on a timetable we could promise in advance.
Yes. EUR IBAN accounts are how third parties pay you: the details are yours to publish, and funds land on the euro balance behind them. See IBAN accounts.
Yes, on an IBAN account. SEPA carries euro payments inside the SEPA area; SEPA Instant is a scheme within it and applies where available; SWIFT covers payments arriving from further afield. Which rails apply to your account is confirmed at onboarding.
The account fee, per-transaction fees by rail, how conversion cost is shown relative to the rate, and whether payment details of your own are included. Figures are quoted per account, because they follow the currencies and volumes a business works with. For dollar flows, see the USD business account.