Equals Money Business Plus
A plan byEquals Money
Equals Money offers a dedicated account manager available every day of the year, unlimited virtual cards and payouts in 61 currencies, with a 4.6/5 Trustpilot score. Its main limitation is the lack of FSCS protection: funds are safeguarded but not covered by the scheme.
Business Plus
- Price
- €41
- Issuance fee
- €10
- FX markup
- 1.5%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM limit
- £1.50 per prelievo ATM (UK e estero)
What's included
- Multi-currency account (35+)
- Corporate cards (≤50 physical, ≤100 virtual)
- Expense management
Data & conditions
| Account fee | €29 |
|---|---|
| IBAN | dedicato · GB |
| Multi-currency | Yes · 35 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| ATM withdrawal | not declared |
| Free ATM limit | £1.50 per prelievo ATM (UK e estero) |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK · 150+ countries |
| Regulator | FCA |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | EMI FCA (UK) |
Strengths
- Account manager 7/7/365; unlimited virtual cards; 61 currencies payout; Trustpilot 4,6/5.
- No notable sovereignty advantage documented.
Weaknesses
- No FSCS (only safeguarding).
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (FCA (UK)): reporting to authorities and freezes on order.
Verdict
An FCA licence, an account manager available every day of the year and a strong Trustpilot score (4.6/5) explain the high rating. The clear limit on protection is the absence of FSCS coverage: funds are only safeguarded. It is also not available in Italy.
For a crypto-native profile Equals Money offers little: full KYC, a custodial account and average privacy. Its strength is operational, with unlimited virtual cards and payouts in 61 currencies, but that's payment efficiency, not control of funds or censorship resistance.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Equals Money a real bank?
Equals Money operates under a EMI licence (GB). It is regulated by FCA. Fund protection: Safeguarding — no deposit guarantee.
Can I send transfers to third-party IBANs with Equals Money?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Equals Money support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Equals Money support?
The number of supported fiat currencies is not documented. Multi-currency accounts: supported.
Can I withdraw crypto on-chain from Equals Money?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · Monthly fee Data verified on Jul 16, 2026
- blog.equalsmoney.com Deposit guarantee Data verified on Jun 15, 2026
- investing.com Investors Data verified on Jun 15, 2026
- lse.co.uk IPO date · Valutazione · Latest funding round Data verified on Jun 15, 2026
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- moneytransfers.com IBAN countries · On-chain crypto withdrawals · OAM Italy registry Data verified on Jun 15, 2026
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