A EUR business account, with the books attached.
A dedicated IBAN in your company's name, open within 48 hours. Cards for the team, SEPA Instant out of the box, and every transaction already categorised.
- IBAN within 48 hours
- Cards with a limit per person
- Your other banks alongside, read-only
Several IBANs, one balance
Keep operations, tax and reserves apart. See every balance, and your other banks, as one number.
- Up to 3 accounts on Business
- Connected banks alongside, read-only
- Move money between them in seconds
Cards for the team
Virtual and physical cards on the account, with a limit per person and every charge matched to a receipt.
- Limits per card, per month
- Receipts requested in Slack or WhatsApp
- Frozen in one click
Payments that land before the call ends
SEPA Instant and Credit Transfer out of the box, with approval rules above any amount you set.
- 10 seconds for SEPA Instant
- Payroll in one batch
- Every payment logged, who and when
- 48 hours
- from signup to IBAN
- 10 seconds
- for SEPA Instant to land
- 3 IBANs
- on Business, one login
Also on Paygoro
Questions about business accounts
Still something unanswered? Write in from the dashboard. A real human on the team replies.
Who can open a Paygoro business account?
Companies legally registered in the European Economic Area, with at least one beneficial owner who can complete identity verification. We support most common legal forms: BV, GmbH, Sàrl, Oy, S.L., and others. What you get is a dedicated EUR IBAN in your business name, so it works like any other business account: invoices, direct debits, payroll.
How fast can I actually start?
Signing up and connecting your first bank takes a few minutes, and your transactions are there as soon as the first sync finishes. A Paygoro account takes longer because it is a real bank account: verification takes one to two business days for most companies, and the IBAN is live the same day we approve it.
Where does my money sit, and who regulates Paygoro?
Money in a Paygoro account sits with our licensed European banking partner, in safeguarded accounts, separated from operating funds and protected under EU regulation. That partner issues your IBAN and is supervised by its home-state regulator. Paygoro builds the product on top of those rails.
What can Paygoro see and do in my linked banks?
Linked banks connect read-only under PSD2. We read balances and transactions to build your overview, we never move money in them, and you can revoke a connection from the dashboard whenever you like. Payments only ever leave a Paygoro account.
Less admin.
More runway.
Bills, books and banking handled in one place. Start free with the bank you already have.
