Providers · Business & Personal accounts
Finductive
3 plans in our database · licensed as Financial Institution
Data last verified: 21 August 2026
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Plans & fees
| Plan | Type | Monthly fee | Setup | FX fee | SWIFT out |
|---|---|---|---|---|---|
| PULSE Standard Personal Account | personal | €5/mo | Free | 1.5%* | 0.15% |
| MOMENTUM Advanced Personal Account | personal | €25/mo | Free | 1.2%* | 0.12% |
| Corporate Payment Account | business | Bespoke | - | n/a | n/a |
* 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 10 currencies · local account details in EUR.
Regulation
Regulated or registered in Malta.
Regulators: Malta Financial Services Authority
In the fine print
Conditions from Finductive's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.
Pricing
- A SWIFT fee applies on the euro account on top of the tiered SEPA fees, both incoming and outgoing: 0.15% on the first personal tier and 0.12% on the second, with a floor of €25 and a ceiling of €5,000.
Limits
- Payments on this account are capped at €100,000 a month in total, five times the entry account.
- Payments on this account are capped at €20,000 a month in total.
Payments & transfers
- Outgoing international (SWIFT) transfers are blocked when the beneficiary account is in a jurisdiction the bank treats as low-reputation, or belongs to a person or entity barred by international sanctions or other reputational concerns; no specific country list is published.
- Reputational and sanctions screening works in both directions: an incoming payment can be refused when the sending payment provider or the payer sits in a jurisdiction Finductive does not consider reputable, or is flagged for another reason.
Company ownership
- Client funds are kept in segregated accounts, separate from Finductive's own money - held with credit institutions or invested in secure, low-risk liquid assets - and clients retain legal ownership of them.
- Finductive is not a credit institution, so deposit guarantee schemes do not apply; in the event of its insolvency, clients can claim their funds directly from the segregated accounts and are not subject to the claims of Finductive's creditors.
Will Finductive 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 Finductive's published rules on all of them, and shows you the alternatives too.
Check in 2 minutes →