What kind of accounts and payment options does Payhawk offer?

Payhawk is a single platform for company spend: you can open business accounts with dedicated IBANs, issue physical and virtual Visa cards, make local and cross-border payments, and manage reimbursements and approvals — all with full control and visibility. Global bank transfers run on J.P. Morgan infrastructure for reliability and reach.

Which currencies and countries can I open accounts in?

You can open accounts for entities in 33 countries and in seven currencies, each with its own dedicated IBAN/account number. Funding is instant via linked bank accounts.

How do Payhawk cards work (debit vs. credit, FX, and mobile wallets)?

You can issue virtual or physical Visa cards to employees anywhere and add them to Apple Pay and Google Pay. Use debit (seven currencies) or credit (USD, GBP, EUR) depending on control or cash-flow needs, subject to assessment. You can avoid FX fees in seven base currencies, with competitive FX elsewhere.

Can employees be reimbursed in their local currency?

Yes. Employees submit receipts in 60+ languages and can be reimbursed in 115+ currencies — submission, approval, and payout are handled in one flow.

Is Payhawk regulated and are funds and data protected?

Payhawk is an Electronic Money Institution (EMI) in the UK and EEA and a Visa Principal Member, enabling direct card issuance and safeguarded client funds. Security includes PCI DSS Level 1, SOC 1 & SOC 2 Type 2, ISO 27001, 3-D Secure, and real-time fraud/risk controls.

Can I manage multiple entities and currencies from one place?

Yes - Payhawk is built for multi-entity, multi-currency operations. You can open accounts across 33 countries, hold balances in seven currencies, set card and payment controls at user or team level, and manage everything from a single platform.

BUSINESS ACCOUNTS & GLOBAL PAYMENTS
Business accounts that do more. Payments that go further.

Simplify your global finance stack with dedicated IBANs, smart payment flows, and integrated card infrastructure. Scale easily across entities and currencies, with real-time ERP sync.

Get a demo

Global

Regulated

Secure

Cyber Essentials, AICPA SOC, AICPA SOC 2, ISO 27001 and J.P. Morgan icons

Business moves fast. Your accounts should too.

Ditch slow, siloed banking. Payhawk gives you connected accounts and payments that scale with your business.

A visualisation of global business payments and currencies

Open accounts with global oversight

Open business accounts with dedicated IBANs in 33 countries and seven currencies. Fund instantly through linked bank accounts, manage balances centrally, and rely on safeguarding that meets the highest regulatory standards.

Countries

Currencies

Issue corporate cards that work everywhere your teams do

Instantly issue debit or credit cards with global acceptance through Visa. Enjoy 0% FX in 26 countries and 1.99% FX everywhere else. Control spend limits, approval flows, and funding sources from one dashboard.

Learn more

FX in 26 countries

1.99%

FX everywhere else

An image of a dropdown showing the options for Funding source

An image showing an example of company suppliers

Pay suppliers with speed, trust, and transparency

Payhawk’s global payments run on infrastructure trusted by the world’s biggest enterprises, now available to your finance team. Schedule, or pay instantly with fully authorised and auditable bill payments.

115

Currencies

150+

Countries

Handle global reimbursements with local precision

Reimburse employees in 115+ currencies, with receipt capture in 60+ languages. Approvals, payments, and reconciliation — all in one platform.

A visualisation of a reimbursement request in Payhawk

Photo of a finance professional working with the Payhawk Payments Agent

AI PAYMENTS AGENT

Now, your payments come with built-in problem-solving

From explaining failed transactions to answering employee questions on payments and approvals, the AI Payments Agent keeps spend moving and finance focused on what matters most.

Embedded in your controls, trained on your policies

The Payments Agent follows your spend policies and approval rules at every step. That means employees only see compliant options, and every action stays within company guardrails — no workarounds, no governance gaps.

Built for resolution, not conversation

The Agent doesn’t just explain problems — it fixes them. From failed transactions to card limits and fund requests, employees get instant, actionable solutions that keep spend moving without finance bottlenecks.

Always auditable, always in sync

Every action the Agent takes is tracked, synced with your ERP, and fully auditable. Finance teams get real-time oversight and confidence in compliance — while employees keep their workflows flowing.

"The international aspect of Payhawk is super important to us, particularly the ability to flick through the different dashboards to find out exactly when and where a transaction happened. Plus, we pay per platform rather than per transaction, which is vital to us as a hospitality business."

David Watson, Group Financial ControllerRead the case study

Payments are just the beginning

Payhawk accounts and payments are just one part of your intelligent finance transformation. Orchestrate your entire finance function — no more platform hopping or process breaks.