GBP account
A UK sort code and account number in your 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 accounts for private clients and family offices.
Hold, convert and pay from one profile, with domestic and international payments across supported currencies and destinations.
DigiDoe provides accounts and payment services as an Electronic Money Institution, not bank accounts, deposit products or investment services. Relevant funds are safeguarded but are not protected by the FSCS.
Accounts connected to the payment routes you use.
Each currency has its own account and its own details, so payments reach you the way your counterparties already send them.
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.
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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 account, with its own balance and its own transaction records.
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Balances together in one profile
View your GBP, EUR, USD and AED 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 between them 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.
Day-to-day tools, with controls you configure.
Day-to-day money-management tools, with the controls you need to oversee complex arrangements. Configure authorised users and payment-approval workflows to support your preferred controls.
Invite the people you trust, and set what each of them can see and do.
A named contact, not a call queue.
Named account manager on any paid plan. Professional handling of your information, within our legal and regulatory obligations. Most applications complete in under a week once we have your documents. Complex structures can 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.
Safeguarded, not FSCS-protected
Relevant funds are safeguarded in accordance with applicable regulatory requirements and are not protected by the FSCS.
ISO 27001 and ISO 22301 certified
Certified for information security and for business continuity by British Assessment Bureau, a UKAS-accredited certification body.
Payments are screened against sanctions and financial-crime controls, and transactions are monitored. These controls reduce risk; they do not remove it.
No phone to hand? No problem.
Manage your account through the DigiDoe web platform, on a laptop or tablet.
Take DigiDoe with you
Approve payments and convert currency in the DigiDoe mobile app. Available on the App Store and Google Play.
What it costs.
Fees, limits, allowances and FX methodology are set out in the fee schedule and the customer terms.