Providers · Business accounts
Nexpay
3 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 |
|---|---|---|---|---|---|
| Basic+ | business | from €200/mo ⚠ | €1000 | 0.5%* | 0.4% |
| Premium | business | from €1250/mo ⚠ | €1000 | 0.5%* | 0.4% |
| Enterprise | business | Bespoke | €1000 | 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
Regulation
Regulated or registered in Lithuania.
Regulators: Bank of Lithuania
In the fine print
Conditions from Nexpay's own terms, pricing pages and acceptable-use policy that don't fit in a table. Read in full and checked by hand.
Pricing
- The Enterprise plan requires a monthly payment volume of at least 5 million EUR.
- Incoming SEPA payments are free up to €750,000 of turnover a month, and the same free allowance applies to outgoing SEPA turnover. Above that, transactions are priced at the Basic+ level.
- This plan is not open to everyone: it takes a monthly payment volume of at least 5 million EUR to qualify, and the pricing is then negotiated individually.
Payments & transfers
- Outgoing SWIFT payments can only be sent to payment service providers located in foreign countries that Nexpay considers acceptable; there is no published list of permitted destination countries or currencies.
- The account comes with a dedicated euro IBAN on SEPA and SEPA Instant.
Cards
- No payment cards are offered; Nexpay is an account-only service (a EUR IBAN with SEPA, SEPA Instant, and SWIFT).
Business activity
- A wide range of higher-risk sectors are not banned outright but are reviewed individually before onboarding rather than accepted automatically: financial services (banking, investment, securities, insurance, currency exchange, money lending), regulated forex, STOs and ICOs, crypto activities (ATMs, exchange, custody, trading, mixers), commodities and futures, licensed gambling, tickets and events, tourism and travel, dating, online games, professional services (legal, tax, accounting, audit), transport, vehicle trade, real estate, metal industry, jewellery and precious metals, waste management, healthcare, luxury goods, art dealing, marketing, and IT.
- Nexpay also prohibits a number of specific activities: illegal products, wildlife and CITES-listed species, radioactive materials, unmanaged-forest logging, drift-net fishing, hazardous chemicals, gifts intended as bribes, insider trading, animal fur, ivory and protected species, cultural objects and antiques, illegal drugs and synthetic-drug precursor chemicals, circumvention devices, human body parts and pathogens, auctions, religious organizations, multi-level marketing (MLM), and Ponzi, pyramid or matrix schemes.
- Within financial services, debt collection, debt restructuring, credit repair, and debt settlement are prohibited, even though general financial advisory work is otherwise accepted.
Licence & regulation
- Regulated in Lithuania as an authorized Electronic Money Institution (EMI) by the Bank of Lithuania (license No. 18).
Will Nexpay 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 Nexpay's published rules on all of them, and shows you the alternatives too.
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