Business accounts and global paymentsOne business account for every payment you make
Hold, convert, and pay worldwide from one account.
- Hold and issue cards in seven currencies
- Pay in 115+ currencies from 0.3% FX
- Move money between accounts from 0.3% FX
Six reasons finance teams switch
Send cross-border payments on local rails and SWIFT, and pay suppliers and teams in 115+ currencies across 150 countries.
Catch fraud before it happens, not after, with four-eyes approval and five layers of protection.
Hold EUR, GBP, USD, CHF, DKK, RON, and PLN in your account and pay suppliers in their own currency, with no exchange, no delays, and no risk.
Issue debit and credit cards in EUR, GBP, USD, CHF, PLN, RON, and DKK, with 0% FX in 30 countries and 1.99% everywhere else.
Move and convert funds between currency accounts without routing through a third party or leaving the platform.
See every movement the moment it happens, with fees and FX split cleanly for your ERP.
Finance AI agents built into every payment
Three AI agents handle the admin across your finance stack. Your team handles the strategy.
Resolves card and payment issues and answers questions before they reach finance, inside your controls and auditable in your ERP.
Turns purchase requests, including international supplier purchases, into compliant workflows and routes approvals automatically.
Takes on wider finance work, completing expense records and checking policy before you close the books.
Everything your business needs to elevate finance impact
Open accounts in EUR, USD, GBP, CHF, PLN, DKK, with full local details.
Send instantly in the UK, EU, and US, plus 115+ currencies across 150 countries
Issue in EUR, GBP, USD, PLN, DKK, RON, CHF with 0% FX in 26 countries.
Pay many suppliers or employees in one run.
Sync every payment and reimbursement with your ERP.
Set rules, limits, and policies to control spend at scale.
Convert between your accounts with no third party.
Manage all subsidiaries and currencies from one dashboard.
Safeguard funds with J.P. Morgan, backed by internal controls and EMI regulation.
What our clients say
"Transaction fees are generally lower, and the foreign exchange rates used are often more favorable for us."
"One standout feature that resonated with us was Payhawk's exceptional foreign exchange (FX) rates, which are crucial for our team as we frequently travel worldwide. The low FX rates mean we can save significantly on currency conversion costs, ultimately maximising our travel budget."
"It's amazing that we can do expenses in seconds. No one has to wait until payroll or the end of the month. It's so easy and flexible that we don't have to rely on the bank."
"The international aspect of Payhawk is super important to us. Particularly the ability to flick through the different dashboards and the different entities to just find out exactly when and where a transaction happened."
"With many other tools, we find that as the volume of cards and transactions increases, the prices of the tool skyrockets. We carry out practically 10,000 transactions a month and move between 4–5 million. With Payhawk, this isn't an issue. Thanks to cashback, the price stays very attractive."
One platform. Every spend workflow.
Connect business accounts, global payments, and cards with expenses, procurement, and AP. Enterprise power without the enterprise complexity.
Fully digitised employee spend tracking, expense reports with custom approvals, and direct reimbursement to employee bank accounts.
Custom multi-level approvals, flawless matching and global invoice payments make accounts payable effortless end to end.
Efficient and easy to follow purchasing your teams will understand. Clear purchase requests, tailored workflows, POs, 3-way matching, and payments.
Reimagine business travel with intelligent in-policy booking, embedded payments, and a guided process from trip request to trip report.
Market-leading integrations with your ERP, accounting software, HRIS, and security tools, plus a robust RESTful API and real-time webhooks.
Corporate Visa debit and credit cards with proactive spend controls, automated receipt collection, and real-time spend reports.
Transform how your business pays. Take finance forward with Payhawk
FAQ
Payhawk offers business accounts with dedicated IBANs in seven currencies. We also have a full range of payment options, physical and virtual Visa cards, local and cross-border transfers, AP payments, bulk payments, and employee reimbursements. Everything runs on J.P. Morgan infrastructure, with approvals and controls built into every payment flow, so finance teams have full visibility from one platform.
Payhawk issues physical and virtual Visa cards in both debit and credit options. Debit cards are available in seven currencies (EUR, GBP, USD, CHF, PLN, DKK, RON). Credit cards are available in USD, GBP, and EUR, subject to assessment, giving finance teams flexibility depending on control or cash-flow needs. Cards can be added to Apple Pay and Google Pay.
Yes. Employees submit receipts in 60+ languages and can be reimbursed in 115+ currencies. Submission, approval, and payout are handled in one flow.
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.
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.
You can send payments in 115+ currencies worldwide, list is included below. On the top 10 currencies (EUR, GBP, USD, AUD, CAD, CHF, JPY, NOK, NZD, SEK), Payhawk offers market-leading FX rates with just a 0.3% markup. In addition, you can send USD, GBP, DKK, CHF, PLN and EUR globally through SWIFT directly from your currency account, with no conversion needed.
AED, ALL, AMD, ANG, AOA, ARS, AUD, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BWP, BZD, CAD, CHF, CLP, CNY, COP, CRC, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, GYD, HKD, HNL, HUF, IDR, ILS, INR, IQD, ISK, JMD, JOD, JPY, KES, KGS, KHR, KRW, KWD, KYD, KZT, LKR, LSL, MAD, MGA, MNT, MOP, MUR, MVR, MXN, MYR, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SEK, SGD, SRD, STD, SZL, THB, TND, TOP, TRY, TTD, TWD, TZS, UGX, USD, VND, VUV, WST, XCD, XPF, ZAR, ZMW
You can pay suppliers and make bank transfers directly from Payhawk, no need to log into a separate bank account. Submit invoices via the Payhawk inbox or forward them by email. AI extracts the bank details automatically, then triggers payments with approval workflows and segregation of duties already built in.
EUR and GBP transfers are free, via SEPA and Faster Payments respectively. EUR, GBP, and USD all support SWIFT. CHF and DKK support domestic payment schemes for both supplier payments and reimbursements. PLN supports domestic payment schemes for reimbursements currently. SWIFT support for CHF, DKK, and PLN is coming shortly.
Every payment is logged, matched, and ready to sync with your ERP.
Payhawk connects payment execution directly to your approval workflow. You can set rules by amount, department, cost centre, or entity. Approvers are notified via email, mobile app, or Slack. Once approved, payments are triggered from within the platform and synced automatically to NetSuite, Microsoft Dynamics 365 Business Central, or Xero. You can set segregation of duties, define multi-level approval chains, and configure auto-approve rules for recurring or low-value payments. No manual data entry, no chasing between systems, and no need for payment reconciliation software. The result is a fully automated reconciliation that keeps your ERP clean without the admin.
