Work in progress · copy MLRO-cleared 2026-08-13 · design and product notes still open · programme report
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FCA-authorised EMI FRN 901043

GBP, EUR, USD and AED accounts, built for business payments.

Make domestic and international payments across supported currencies and destinations.

Our accounts, your business routes

Each currency has its own account and its own details, so payments reach you the way your counterparties already send them.

GBP account

A UK sort code and account number in your business name, so sterling arrives and leaves on the domestic rails your counterparties already use.

Faster PaymentsBACSCHAPS
Apply for a GBP account →

EUR account

A euro v-IBAN (virtual IBAN) for receiving and sending across the single euro payments area.

SEPA Credit TransferSEPA Instantv-IBAN
Apply for a EUR account →

USD account

A US dollar v-IBAN, for international payments sent over SWIFT.

SWIFTv-IBANInternational payments
Apply for a USD account →
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AED account

A UAE dirham v-IBAN, for holding and converting AED balances alongside your other currencies.

v-IBANUAE dirhamHold and convert
Apply for an AED account →

Rails differ by currency: FPS, BACS and CHAPS for GBP, SEPA and SEPA Instant for EUR, and SWIFT for international payments. AED is held and converted rather than paid out.

Collect, convert and pay out.

Receive money into the currency account that matches it, convert when you choose, and send it on a supported payment rail.

Availability depends on your plan, currency, destination and eligibility: see the fee schedule.

Receive into the right account

Share your details and money arrives straight into the account for that currency, with no conversion you did not ask for.

A balance per currency

Each currency sits in its own account, with its own balance and its own transaction records.

Balances together in one profile

View your GBP, EUR, USD and AED balances together in one DigiDoe profile.

Hold 4, convert across 38

Hold balances in GBP, EUR, USD and AED, and convert to or from 38 supported currencies for eligible payments.

The rate before you confirm

DigiDoe shows the exchange rate before a conversion is confirmed, along with applicable fees. Rates are live and held for a short window.

FX pricing set by your plan

FX pricing is based on your selected plan. The fee schedule gives the reference rate, the margin applied and the conditions.

Domestic and international

Send GBP through FPS, BACS and CHAPS, EUR through SEPA and SEPA Instant, and USD through SWIFT, depending on currency, destination and eligibility.

Many payments, one instruction

Send a list of beneficiaries in a single instruction rather than one at a time, where your plan supports it.

Transfers included in your plan

Eligible outbound transfers are included up to your plan’s monthly allowance. See the fee schedule for limits and charges.

Control and process payments at scale.

Roles and permissions

Set who can create, view and approve payments, and at which approval level, to match your internal controls.

Multilevel signature

Multilevel signature separates initiation from approval, the way your internal controls already require. Dynamic and Premium.

Batch payments

Create batch payments for payroll and supplier runs, where available on your plan.

Scheduled payments

Set a future date for a payment, subject to your plan.

Records and statements

Access available account and transaction records through the DigiDoe platform.

Illustrated key inserted into a glowing keyhole, symbolising free trial access

Apply online, with your structure assessed as it stands.

Tell us how the business is set up and what it needs to do. We assess legitimate complex structures, subject to risk appetite and approval.

Our controls assess documented ownership structures and transaction context through a risk-based review. DigiDoe may delay, restrict or decline activity where required. Most applications complete in under a week once we have your documents. Complex structures can take longer.

Start an application

FCA-authorised, ISO-certified, relevant funds safeguarded.

Stated once, here, with the limits included.

Electronic Money Institution, FRN 901043

Authorised by the Financial Conduct Authority. DigiDoe is not a bank. Check the Register, or read the guidance on using payment service providers.

ISO 27001 and ISO 22301 certified

Certified for information security and for business continuity by British Assessment Bureau, a UKAS-accredited certification body.

Safeguarded, not FSCS-protected

Relevant funds are safeguarded in accordance with applicable regulatory requirements and are not protected by the FSCS.

How relevant funds are safeguarded

Payments are screened against sanctions and financial-crime controls, and transactions are monitored. These controls reduce risk; they do not remove it.

What your business can do with DigiDoe.

Use the right payment routes

Sterling, euro and dollar payments on the rails those currencies actually use, with FX across 38 supported currencies.

Keep payments under control

Configure multilevel signatures, approval levels and user permissions to reflect your business’s payment policy.

Process repetitive payments efficiently

Run staff and supplier payments in bulk, with your approval controls still applied.

What it costs.

Core · £7/mo

£72 billed annually, equivalent to £6 per month.

The four currency accounts, the supported payment rails, and FX priced at your plan rate.

Compare all features →

Dynamic · £100/mo

£960 billed annually, equivalent to £80 per month.

Everything in Core, plus 25 eligible outbound transfers included each month and a lower FX plan rate.

Compare all features →

Premium · from £250/mo

Arranged with our team. 100 eligible outbound transfers included each month, the lowest FX plan rate, and a named account manager on eligible plans.

Compare all features →

Fees, limits, allowances and FX methodology are set out in the fee schedule and the customer terms.

Start with a conversation.

Tell us how your business plans to use DigiDoe. Our team can explain account and payment compatibility, fees, eligibility and the information required for your application, and then guide you through the process.

Speak to our team

DigiDoe team member reviewing a client document at a laptop in a warm office

What clients say.

Customer quotation withheld. Nothing is published here until the original statement, the customer’s written consent, and evidence that the experience is representative have all been retained.

Take DigiDoe with you

Approve payments and convert currency in the DigiDoe mobile app. Available on the App Store and Google Play.

Download on the App Store Get it on Google Play

Common questions

Is DigiDoe a bank?

No. DigiDoe is an Electronic Money Institution. A DigiDoe balance is not a bank deposit and is not protected by the FSCS. The authorisation and safeguarding position is set out in full above.

Who can apply?

Eligibility is assessed case by case and is subject to onboarding, KYC and KYB checks, jurisdiction limits and our risk appetite.

How long does onboarding take?

Most applications complete in under a week once we have your documents. Complex structures take longer.

Introduce, advise, or build.

Not opening an account for your own business? Partner with DigiDoe instead.

Introduce clients

Invite businesses and people you know, and earn a share of their transaction and account fees for 12 months. For introducers →

Advise through your practice

Route clients from your law or accountancy practice, with a named contact on our side. For professional firms →

Build on our infrastructure

Launch payment services through DigiDoe’s regulated infrastructure and API. For EMD partners →

Visit the partners hub →