Receive funds from clients, pay suppliers and manage currencies from one infrastructure, with the account, the details and the record of every payment kept together.
A separate account per country, each on its own login, so nobody can say what the group holds at a given moment or what is available to move.
Cross-border transfers land after several intermediaries have handled them, and the delay is only visible once the payment is already late on the other side.
Statements arrive in different formats and lose the reference each payment carried, so matching against invoices is a manual job at the close of every period.
Conversion cost is folded into the rate rather than shown beside it, so the real payment cost only appears after the fact.
Opening the same account in a traditional institution turns into weeks of forms for a company whose business is entirely digital and largely non-domestic.
An international business account is a business payment account built for companies whose money moves in more than one currency and across more than one border. Underneath, it is a combination of three things: details other parties can pay into, balances the company itself holds, and the rails those balances are paid out over.
One distinction is worth keeping straight from the start: a currency account holds funds and is what payments are paid out of; an IBAN account carries the details third parties use to pay in. Receiving a payment from a client uses the IBAN side; sending one to a supplier uses the currency side. Most companies working across borders run both.
Details of your own, so clients and platforms send funds in. See IBAN account.
Balances the company owns and pays from. See multi-currency account.
Fenryx is a digital finance platform and payment account provider. The international business account is the whole stack in one place: a business account opened online through KYB, IBAN details so third parties can pay in, multi-currency balances in the major currencies, transfers over SEPA and SWIFT, approval workflows so more than one person can authorise a payment, and statements that hold on to the detail an accounting system needs. Where the outgoing side is the heavier half, the same account sits behind global payouts and the cross-border payments platform.
What the account is not: a substitute for the bank behind everyday domestic operations. It sits beside that bank and takes the fragmented, multi-currency, cross-border side off it, so the domestic side can stay simple.
Apply online, send documents remotely. Every account opens through KYB, and screening applies throughout the life of the account.
Details of your own, so third parties can pay in and funds arrive on the platform where the payments out are also managed.
Hold and convert between the major currencies the business actually earns and pays in, so payments do not start with an unplanned conversion.
Payments leave over the rail that fits the destination, with beneficiaries kept between runs and references preserved.
Users get the rights they need. One prepares payments, another releases them, and nothing goes out without the release being recorded.
Every payment holds its own detail, comments and references, and periods are exported for the accounting side without losing that context.
A team billing customers outside the country the company is registered in, with the invoice paid into an IBAN account in the currency the customer already works in.
Freelancers and studios paid in the currencies they invoice in, from balances the agency already holds — see foreign currency account — rather than a conversion applied at the moment of payment.
Marketplace and processor settlements land, and payments to overseas suppliers leave the same balances, so the flow of goods and the flow of money share one record. Larger supplier lists move to mass payouts.
A finance function running several group companies, with accounts centralised on one platform so consolidation and approvals do not have to be reinvented per entity.
Tell us where the company earns, where it pays and in which currencies, and we will say plainly what the platform covers before any paperwork starts.
Talk to us about your setupTell us about the company, the currencies it works in, and where it pays and receives from.
The company, its owners and its activity profile are verified. Follow-up questions arrive by email rather than in a separate portal.
Balances, IBAN details, users, roles and access are configured for the way the business already operates.
Publish IBAN details to receive, or fund the balance and send a payment out over the rail that matches the destination.
Payments, statuses, approvals and statements all live on the same platform, so operating the account is one place rather than several.
| Account fee | Quoted per account at onboarding |
| Transaction fee | Shown before you confirm a payment |
| Currency conversion | Rate and cost shown side by side |
| Limits | Set at onboarding, reviewed against real activity |
The best account is the one whose answers to those questions match how your business already moves money.
Registered legal entities only. We do not open personal accounts, and payments run from a company to its counterparties rather than between individuals.
Eligibility depends on business type and jurisdiction, on where the company earns and pays, and on the outcome of KYB review. Businesses in regulated and dynamic industries are welcome; screening applies throughout the life of the account, not only at onboarding.
A summary. See our AML Policy.
A business payment account built for companies whose money moves in more than one currency and across more than one border. Underneath, it combines details to receive payments, balances the company holds, and rails those balances are paid out over.
Companies whose clients or suppliers sit outside the country the business is registered in, or whose income and costs are in different currencies. Software teams billing overseas clients, agencies paying contractors abroad, e-commerce brands with foreign suppliers, and finance teams running several group companies from one seat. If the outgoing side dominates, start from international payouts; smaller teams often begin with accounts for small business.
Yes, through an IBAN account. The IBAN side carries account details of its own, so third parties can pay in. The company's own currency balances then hold the funds until they are paid out or converted. Both sides live on the same platform.
Yes. The account holds balances in the major currencies the business earns and pays in, and conversion between balances happens on the platform. Which currencies are held is agreed per account at onboarding rather than promised as a fixed list. See multi-currency account and foreign currency account for how balances behave.
Which rails the provider actually runs, which currencies the account can hold, whether third-party payment details are provided, whether conversion cost is shown beside the rate, and whether more than one user can approve a payment. The best account is the one whose answers match how the business already moves money.
No. Fenryx is a payment account provider and money services business; the international business account sits beside a company's bank rather than replacing it, and takes the cross-border, multi-currency operations off that bank.
Tell us where your business earns, where it pays, and in which currencies.
Fenryx is operated by Globally United Tech Corporation, a money services business registered with FINTRAC in Canada, Vancouver, BC. Account availability, currencies and limits depend on business type, jurisdiction and KYB review. Settlement timing depends on the rail and the receiving institution.