GBP e-money 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 →
FCA-authorised EMI
FRN 901043
GBP, EUR, USD and AED e-money accounts, built for business payments.
Make domestic and international payments across supported currencies and destinations. Conversion is available across 38 supported currencies.
DigiDoe is an Electronic Money Institution, not a bank. E-money is not protected by the FSCS.
Accounts connected to the payment routes your business uses.
Each currency has its own e-money account and its own details, so payments reach you the way your counterparties already send them.
EUR e-money 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 e-money 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 e-money 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 →
Supported payment rails include SWIFT, SEPA, FPS, BACS and CHAPS, depending on currency, destination and eligibility. AED rails are not yet confirmed.
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.
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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.
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A balance per currency
Each currency sits in its own e-money account, with its own balance and its own transaction records.
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Balances together in one profile
View your supported currency balances together in one DigiDoe profile.
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Hold 4, convert across 38
Hold balances in GBP, EUR, USD and AED, and convert to or from 38 supported currencies for eligible payments.
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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.
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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.
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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.
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Many payments, one instruction
Send a list of beneficiaries in a single instruction rather than one at a time, where your plan supports it.
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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.
Approval levels
Configure authorised users, approval levels and permissions to support your internal payment controls.
Roles and permissions
Configure user roles and permissions according to your team’s responsibilities. Set who can create, view and approve payments.
Multilevel signature
Many organisations separate payment initiation from approval as part of their internal controls. DigiDoe supports multilevel signature where your plan allows.
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 e-money account and transaction records through the DigiDoe platform.
Apply online, with your structure assessed as it stands.
Tell us how the business is set up and what it needs to do. Experienced in assessing legitimate complex structures, subject to risk appetite and onboarding requirements.
Our controls are designed to assess documented ownership structures and transaction context through a risk-based review. DigiDoe may delay, restrict or decline activity where required. Many applications can be completed within a few days once all required information has been received, although complex cases may take longer.
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.
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.
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
Manage supported approvals and currency conversions through the DigiDoe mobile app. Available on the App Store and Google Play.
Common questions
Is DigiDoe a bank?
No. DigiDoe is an Electronic Money Institution. E-money 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?
Application, verification, approval and activation are separate stages, and the ability to transact begins at activation. Timing depends on the documents provided and the checks required. Indicative timescales are given above.
Introduce, advise, or build.
Not opening an e-money account for your own business? Partner with DigiDoe instead.
Introduce clients
Invite businesses and people you know, and be compensated when they become active users. 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 →