Bilder

Pricing

• •Business onlyOn the business fee schedule valid from 1 July 2026, incoming transfers are free. Sending euro inside the EEA is priced in steps: 0.35 EUR up to 50,000, 25 EUR above 50,000 and 100 EUR above 300,000. The personal fee schedule is different.
• •Outgoing sterling is priced in steps too: 2.00 up to 5,000, 3.00 from 5,001 to 100,000 and 8.00 from 100,001 to 250,000, while CHAPS costs 25.00 and SWIFT 75.00.

Limits

• •Sterling goes out over Faster Payments up to 250,000 per payment, and anything larger is routed over CHAPS instead. Incoming transfers are free.

Payments & transfers

• •Payments involving countries the bank classes as high-risk are subject to mandatory enhanced due diligence checks.

Cards

• •Cards do not operate in Russia, Nigeria, or countries the bank bans entirely, and card operations in Belarus are limited.
• •living in INCards are not issued to residents of India.

Crypto

• •Privacy coins (Monero, Zcash, Dash) are prohibited.
• •Crypto & Blockchain (Regulated)This plan accepts crypto-asset service providers only if they are licensed or registered with a supervisory authority in the UK, an EU member state, Switzerland, the USA, Hong Kong, or Canada.

Business activity

• •Payment Services (PSP / EMI) / Financial Services (advisory, factoring) / Lending & Credit / Forex Trading (Licensed) / CrowdfundingThis plan accepts financial institutions (banks, EMIs, PSPs, forex firms, investment managers, crowdfunding/lending platforms, and VASPs) only if they are licensed or registered with a supervisory authority in the UK, an EU member state, Switzerland, the USA, Hong Kong, or Canada.
• •Gambling & Gaming (Licensed) / iGamingThis plan accepts gambling and betting operators only if they hold a valid gambling licence in the United Kingdom, the United States, an EU member state, Australia, Curacao, or Canada.

Opening an account

• •This tier asks for everything to line up in a single country: the company registered and operating in one UK or EEA country, and the beneficial owner a citizen of that same country.

Countries & residency

• •Being a citizen of a country Bilder bans does not always close the door. A natural person who is a beneficial owner, director or authorised representative of a company that is already a Bilder customer can open an account in their own name, provided they hold and keep valid a residence permit for the country they declare and do not actually live in a banned country. And for a company registered outside the banned list, a beneficial owner who is a citizen of a banned country but legally lives abroad with a valid permit does not prevent the account from being opened.

Company ownership

• •The wider group includes a separate US entity (Bilderlings US, Inc., an NMLS-registered money services business serving the US region) and a Poland-registered virtual asset service provider (Whitecentre) handling crypto payments.

Licence & regulation

• •EU/UK customers are served by Bilderlings Pay Limited (FCA reference 900637), headquartered in London and licensed as an EMI since 2016.