Banking Circle® provides a faster and more cost-effective way for businesses to make and receive cross border B2B payments. By becoming a Member of Banking Circle – which is open to any financial institution (card acquirer, payment gateway, P2P lending business) or other tech related enterprise, and banks a business can provide bank transfer capabilities in its own name, competing directly with traditional players in terms of offering the ability for merchants to pay suppliers and partners around the globe at low cost.

Members of the Banking Circle can extend their value chain to also include the ability to handle cross border bank transfers for their customers. This not only enhances their value proposition but delivers significant cost savings to their customers.

Merchants can also benefit by joining the Banking Circle. Merchant Members can reduce the cost of international bank transfers significantly, sending and receiving transfers instantly and without incurring a landing fee to a recipient within the Banking Circle – no matter where they are in the world.

Payments made to non-members of the Banking Circle can be made at low cost typically enabling the non-member to receive payment in one day – irrespective of location.


  • Cross border transfers happen instantly
  • Fees are negligible
  • FX rates are low
  • Instant opening of IBAN accounts in 25+ currencies using the SWIFT network
  • Access payment methods including SEPA, Faster Payments and SWIFT
  • Underpinned by a state-of-the-art banking platform


  • A global banking platform providing the facility to enable merchants to make international B2B payments and settle suppliers and partners in seconds, regardless of location
  • Enhance your value proposition to attract more merchants
  • Support growth targets by expanding the capability to handle greater volume and value of transactions
  • Full control of funds through a segregated IBAN account from which payments can be made and received


  • Enable rapid business growth by giving access to new markets without the need for multiple banking relationships
  • Pay or receive funds in seconds and free of charge within the Banking Circle
  • Pay or receive funds from non-members as next day payments at a low rate
  • Low FX rates
  • Automatically convert incoming payments into any currency requested
  • Easy reconciliation
  • Add value to supplier and partner relationships by encouraging them to join the Banking Circle to pay invoices or receive money in seconds rather than days

How it works

Unlike conventional business to business cross border payments that incur high bank charges and can take days to arrive, Members of the Banking Circle can enjoy cost and time savings when making or receiving international payments.

Other Solutions

Banking Circle Lending

Financial Tech businesses can add real value to customer relationships with Banking Circle Lending. Going to the heart of one of the perennial business challenges – that of managing cash flow – Banking Circle Lending enables FinTechs to offer their merchants fast access to cash, without any credit exposure to the FinTech’s business.

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Virtual IBAN

Banking Circle Virtual IBAN allows businesses to issue multi-currency IBAN accounts for customers in their own name.

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Real-time FX trading platform

Trade foreign exchange more efficiently and make international payments on behalf of your clients with the Banking Circle Real-time FX trading platform.

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Get in touch

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