Payments
for SMEs.
Growing businesses outgrow their bank long before they’re ready to change it. Xoala is one account for getting paid, paying out, and moving money across borders.
One account,
every flow of funds.
Get paid, pay out and move money across borders — one ledger across cards, banking and crypto.
Talk to salesAccounts in your company’s name
Hold, receive, and send in multiple currencies from accounts in your own company's name, without opening a local entity in each market.
Card payments, clearly priced
Card processing for online and recurring payments, with strong acceptance rates and clear, predictable pricing.
Spend in local currency
Cards for teams, suppliers, and expenses, spending in local currency without conversion charges on every purchase.
Crypto, when your customers expect it
Accept crypto payments and convert to fiat, for businesses whose customers or suppliers expect it.
Everything you need to move money across borders.
Five products, one stack. Plug in only what you need — or all of it.
-
Accounts
Global accounts
Dedicated IBANs in 28+ currencies. Hold, send and receive on local rails — named accounts per customer, real-time reconciliation, no commingled funds.
-
Cards
Multi-currency cards
Virtual and physical cards in 28+ currencies.
-
Payments
Acquiring
Cards, wallets and 40+ local methods — one integration.
-
Crypto
Crypto services
Stablecoin treasury and regulated on- and off-ramps.
-
Treasury
Treasury Yields
Money-market yields on idle multi-currency balances.
Why SMEs choose Xoala.
An authorised EMI
An authorised Electronic Money Institution, with client funds safeguarded in segregated accounts.
Transparent FX
Transparent FX at rates that don’t quietly fund the bank.
Built to scale with you
Built to scale with you, so the account still fits when you’re ten times the size.
One ledger, one afternoon
One ledger for collections, payouts, cards, and FX — so reconciliation and accounting take an afternoon, not a week.
A named contact, not a queue
Onboarding measured in days, with a named contact who understands your business rather than a ticket queue.
An account that grows with you.
From your first cross-border sale to your tenth market — talk to our team about getting paid, paying out and moving money worldwide.