Providers · Business & Personal accounts

Sends

Sends

2 plans in our database · licensed as EMI · pricing in GBP

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 Sends'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
BusinessbusinessFree£19.990.3%*£18 + 0.5%
PersonalpersonalFree£4.990.3%*£18 + 0.2%

* 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

Virtual cardsMulti-currency

Hold up to 3 currencies · local account details in EUR, GBP.

Regulation

Regulated or registered in United Kingdom.

Regulators: FCA

In the fine print

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

Payments & transfers

  • Local GBP payments settle over UK Faster Payments/CHAPS and typically arrive within about 2 hours.
  • EUR is received and sent over SEPA using a UK-issued (GB) IBAN rather than a Eurozone IBAN.

Business activity

  • Business onlyBeyond the sectors flagged separately, Sends also prohibits multi-level marketing, pawnbrokers, political organisations, drug paraphernalia, carbon credits, and Ponzi or pyramid schemes.
  • Business onlyFor card acquiring specifically, extra categories are barred: covert surveillance equipment, remote sale of medicines or tobacco without a licence, food supplements, and government documents or identity cards.
  • Business onlySends does not open accounts for shell banks or for financial institutions making payments on behalf of other financial institutions (nested / layering relationships).

Opening an account

  • Business onlyCard acquiring (payment processing for merchants) is available to UK-registered companies only.

Licence & regulation

  • The service runs on Ganga Pay Ltd's platform under a software licence; the regulated e-money institution behind the accounts is Smartflow Payments Limited, trading as SENDS.

Will Sends 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 Sends's published rules on all of them, and shows you the alternatives too.

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