Payment Accounts for Institutional Businesses

Regulated payment accounts for managing high-volume payments in major currencies, treasury operations and cross-border business flows, with access to major payment rails.

Speak to our team

^{Not available for personal banking. Institutional and regulated businesses only.}

Regulation-first payments infrastructure

We are authorised in the UK and France and we are a member of a recognised self-regulatory organisation in Switzerland. Built for governance, auditability and operational resilience.

Payment accounts for major fiat currencies

Cross-border payments via established UK and European payment rails

Virtual IBANs to support reconciliation and control

Compliance-led onboarding designed for institutions

Regulated, reliable and robust

Trusted partners

Selected institutional clients and partners.

Built for real-world payment operations

When payments are operationally critical, you need reliability, clear audit trails and infrastructure that supports scale. BCB payment accounts are designed for institutional teams running complex payment flows.

Payment accounts for operational flows

Manage business payments, treasury movements and day-to-day operational outgoings with clear reporting and controls.

Access to major payment rails

Support domestic and cross-border payments using established payment rails where available, helping teams reduce operational friction.

Virtual IBANs for reconciliation

Create clearer inbound and outbound tracking to simplify reconciliation across entities, clients or internal departments.

Common use cases

Treasury operations

Manage balances and payments across business entities and jurisdictions.

Finance operations and reconciliation

Reduce manual matching and improve reporting with virtual IBAN structures.

Cross-border business payments

Support multi-region flows in major fiat currencies using established payment rails.

Institutional payment services

For firms that need governance, auditability and compliance-led onboarding.

Who this is for

If you are unsure, submit an enquiry and we will confirm eligibility.

Ideal fit

Institutional businesses with high-volume fiat payment needs
Treasury and finance operations teams
Regulated or compliance-led organisations
Firms requiring strong audit trails and controls

Not a fit

Individuals or personal banking
Sole traders, freelancers, small businesses
Low-volume casual payment use cases

Trusted by institutional teams

Clients choose BCB for governance, resilience, onboarding quality and operational efficiency.

“We’re focused on deep collaborations where governance, regulation and resilience are foundational. Transparency and auditability matter.”

Audris Siow
Head of Institutional Partnerships, Bitvavo

“Using multi-currency payment accounts and virtual IBANs improved operational efficiency and helped streamline payment flows.”

Nick Hammer
CEO, BlockFills

“Customer service and onboarding were decisive. The compliance and due diligence process was swift and aligned with our expectations.”

Amar Takodra
Head of Growth, Levl

Compliance-led onboarding, designed for institutions

Timelines depend on jurisdiction and completeness of submitted information.

Requirements review

We confirm your business model, jurisdictions and payment requirements.

Due diligence and onboarding

A structured process aligned to institutional onboarding standards.

Account setup

Account access and operational readiness based on your requirements.

Ready to discuss payment account requirements?

Speak to our team