Providers · Business & Personal accounts

Bilder

Bilder

8 plans in our database · licensed as EMI, MSB, MTL

Data last verified: 21 August 2026

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If you open an account through these links we may earn a commission. It costs you nothing extra, and it never changes the ranking. How we make money

Independent data. Every figure below comes from Bilder's published pricing, checked by hand - never from a sales deal. Missing fees show as “n/a” and are never counted as free. Methodology · Spotted an error? Tell us

Plans & fees

PlanTypeMonthly feeSetupFX feeSWIFT out
BasicpersonalFreeFree0.5%*€75
Domesticbusiness€20/moFree0.5%*€75
Pluspersonal€20/moFree0.5%*€75
Corebusiness€30/mo€2000.5%*€75
Internationalbusiness€100/mo€10000.5%*€75
UK&EU licensed CASPbusiness€350/mo€10500.5%*€75
Gamingbusiness€350/mo€10500.5%*€75
Financial institutionsbusiness€500/mo€10000.5%*€75

* Some FX rates are “from” or “up to”. ⚠ “from” = starting price (variable pricing) - the final fee depends on your profile. “Bespoke” = custom pricing on request. Compare across providers on the fee tables.

What you get

SWIFTCardsVirtual cardsMulti-currencyCrypto-friendly

Hold up to 17 currencies · local account details in EUR, GBP.

Getting in, and what you get

Pays interest on balances - the provider doesn't publish the rate.

Regulation

Regulated or registered in United Kingdom, United States.

Regulators: Financial Conduct Authority · Office of the State Bank Commissioner of Delaware · Financial Crimes Enforcement Network

In the fine print

Conditions from Bilder's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.

Pricing

  • Euro arrives over SEPA on a UK IBAN starting with GB, since Bilderlings is a UK organisation. Incoming transfers are free.
  • Sending euro inside the EEA is priced in steps, not as one fee: 0.35 up to 50,000, then 25.00 above that and 100.00 above 300,000. The international and personal schedules differ from this one.
  • 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.

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.

Will Bilder actually accept you?

Acceptance depends on where your company is registered, where its owners live, where your money flows - and your sector. The wizard checks Bilder's published rules on all of them, and shows you the alternatives too.

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