Providers · Business & Personal accounts
Emerald24
5 plans in our database · licensed as EMI
Data last verified: 21 August 2026
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Plans & fees
| Plan | Type | Monthly fee | Setup | FX fee | SWIFT out |
|---|---|---|---|---|---|
| Personal - Group 1 | personal | €5/mo | €10 | 1%* | €40 |
| Business - Group 1 | business | €25/mo | €200 | 1%* | €40 |
| Personal - Group 2 | personal | €25/mo | €100 | 1%* | €50 |
| Business - Group 2 | business | €50/mo | €500 | 1%* | €40 |
| Business - Group 3 | business | €100/mo | €1000 | 1%* | €50 |
* 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
Hold up to 21 currencies · local account details in EUR, GBP.
Regulation
Regulated or registered in United Kingdom.
Regulators: Financial Conduct Authority
In the fine print
Conditions from Emerald24's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.
Pricing
- This pricing tier applies to UK, EEA, or Swiss companies whose UBOs, authorised representatives, and trading partners are also based in the UK, EEA, or Switzerland.
- This pricing tier applies to individuals resident in the UK, EEA, or Switzerland.
- This pricing tier applies to UK, EEA, or Swiss companies that have international UBOs, authorised representatives, or trading partners.
- This pricing tier applies to companies incorporated outside the UK, EEA, or Switzerland, or to UK/EEA/Swiss companies with a complex ownership structure.
- This pricing tier applies to individuals residing outside the UK, EEA, or Switzerland.
- Alongside the multi-currency account, a GBP-only local UK account is offered with no onboarding fee (5 GBP/month for business, free for personal customers resident in the UK, EEA, or Switzerland). It is not available to companies incorporated outside the UK, EEA, or Switzerland.
Payments & transfers
- Outgoing payments in currencies such as USD, CNY, CHF, or AED are possible on a case-by-case basis, subject to Emerald24's approval.
Business activity
- Beyond its listed denied sectors, Emerald24 also does not serve nuclear/atomic power and radioactive materials, multi-level marketing and pyramid or ponzi schemes, embassies and consulates, shell banks, and unlicensed providers operating in fields that require a licence.
Licence & regulation
- A separate EU entity (Emerald24 Financial (EU) Limited, Malta) has an e-money institution licence application in progress and is not yet operational; the service currently runs through the UK entity.
Will Emerald24 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 Emerald24's published rules on all of them, and shows you the alternatives too.
Check in 2 minutes →