Index of business account providers

E-money

Wise Payments Limited · United Kingdom

Licence: Authorised electronic money institution under the Electronic Money Regulations 2011, FCA
Money: Safeguarded, explicitly not covered by the FSCS
How: Cash at banks, government bonds and a comparable guarantee, held apart from company money

Source: Wise help centre · checked 1 Sep 2026

Bank

Revolut Bank UK Ltd · United Kingdom

Licence: Full UK banking licence, PRA and FCA. Restrictions lifted 11 March 2026 after mobilisation
Money: FSCS on eligible deposits, up to 120,000 pounds
Catch: New customers signing up from 11 March 2026 may still land on an e-money account with Revolut Ltd until migration reaches them

Source: Revolut, 11 Mar 2026 · checked 1 Sep 2026

Bank

Revolut Bank UAB · Lithuania

Licence: Lithuanian credit institution, supervised in the euro area framework
Money: Lithuanian deposit insurance, up to 100,000 euro per depositor
Note: Same app as the UK entity, different legal person and a different payout scheme

Bank

Monzo Bank Limited · United Kingdom

Licence: UK bank, firm reference number 730427, authorised in August 2016
Money: FSCS on eligible deposits, up to 120,000 pounds
Note: Reference number taken from the FCA final notice, not from the marketing page

Source: FCA final notice · checked 1 Sep 2026

Bank

Starling Bank Limited · United Kingdom

Licence: UK bank, deposits taken on its own balance sheet
Money: FSCS, 120,000 pounds per depositor per institution
Catch: Eligible deposits in business accounts are treated as made by a single depositor, so several accounts share one limit

Bank

N26 Bank AG · Germany

Licence: German banking licence, supervised by BaFin, register number 145827
Money: German banks compensation scheme, 100,000 euro per depositor
Note: Covers balances shown as liabilities towards customers, including demand and term deposits

Payment institution

QONTO SA, formerly Olinda SAS · France

Licence: French payment institution, ACPR licence 16958, issued 21 June 2018
Money: Segregated at partner banks, no deposit guarantee on Qonto itself
Catch: The 100,000 euro French guarantee applies if a partner bank fails, not if Qonto fails. Partners named publicly include Crédit Mutuel Arkéa, Natixis and Société Générale

Source: Qonto help centre · checked 1 Sep 2026

Bank

bunq B.V. · Netherlands

Licence: Dutch banking licence, listed in the DNB bank register, trade register number 54992060
Money: Dutch deposit guarantee scheme, 100,000 euro per account holder
Catch: Cover applies to verified accounts. Temporary high balances from named events are covered up to 500,000 euro for three months

Source: bunq business terms · checked 1 Sep 2026

Eight legal entities behind seven brands.