Business bank accounts
Everyday banking, payroll, tax and trade finance with established banks.
Business banking, brought together.
Every account your business needs.
Opened together.
We find the banks and platforms that fit your business, then apply to all of them from one profile.
Nothing upfront. Starting from USD 600 per account, when it opens.
One profile. Every application.
See how your business gets banked.
Illustrative example
One profile, every account
There isn’t one right provider. There’s a right set.
Hundreds of banks and financial platforms each say they are right for you. Every business really needs a few accounts, each good at one job, and we help you get banked with that set.
Multi-currency accounts
Local account details in 40+ currencies, and suppliers paid locally.
Digital business accounts
Accounts that open online, often within days.
Online payments
Cards, wallets, checkout and marketplace payouts.
Exchanges and brokers
Corporate accounts to trade, hold and invest.
Payroll and payouts
A team and freelancers paid in their own currencies.
All applied for together, from one profile. You pay only when an account opens.
See all our servicesA setup that fits your business.
Bank accounts, payments, exchanges and brokers. Choose a business below to see how the right accounts work together.
What your business does
What it needs
Illustrative. Logos are examples of banks and platforms our clients use, not a full list. Each one decides on its own approval.
Some of the banks and platforms our clients use
Names and logos belong to their owners and are shown as examples. Showing them doesn’t mean a partnership or endorsement. Which ones accept your company depends on its details, and each one decides on its own approval.
Every payment has a cheapest route.
No single account is cheapest for everything. With the right set, each payment leaves from the account where it costs least.
For an example month of cross-border trading payments
USD 6,250a month through one bank
USD 384a month with the right set
How these numbers add up
| A month of payments | Through one bank | With the right set |
|---|---|---|
| 6 invoices paid by buyers in the US, USD 150,000 | USD 2,340 | USD 0 |
| 5 payments from buyers in Europe, EUR 75,000 | USD 1,550 | USD 0 |
| 8 invoices from factories in China, CNY 640,000 | USD 2,360 | USD 384 |
| Total | USD 6,250 | USD 384 |
Each line uses the costs shown above for one payment of that kind. Costs are typical published prices, rounded; yours depend on your providers.
See it for one payment
Through one bank
Illustrative example. Real costs depend on your providers, amounts and currencies.
Local account details, in 40+ currencies.
Each account comes with details that work like a local one, so customers pay you locally and you pay suppliers locally.
Illustrative details. Which currencies you get depends on the providers that accept your company.
Questions, answered.
Where is your company based?
Pick one to start the five-minute assessment. You see an indicative setup at the end.
Our services
One profile.
A complete setup.
Every account your business needs. Send your documents once; we find the right banks and platforms and apply to them together.
How it works
You bring the business. We bring it together.
-
You send your documents
Your certificate of incorporation, the owners’ passports, bank statements, a few invoices and a proof of address. Only once.
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We understand your business
We read what your company does, where its money comes from and where it goes, and work out exactly which accounts and platforms it needs.
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We apply, all at once
We apply to the banks and platforms that fit, all at the same time and from the same profile: one joined-up setup. You pay only when an account is open.
Illustrative profile and applications.
Everything we set up
Pick what you need, or let the assessment work it out for you.
Logos are examples of banks and platforms our clients use, not a full list. Each one decides on its own approval. Names and logos belong to their owners; showing them doesn’t mean a partnership or endorsement.
Who it’s for
Companies that buy, sell or invest across borders.
Find out what your business needs.
The assessment takes about five minutes and needs no documents. We check your company against the banks and platforms that could fit and show you an indicative set.
Zypa Flow
We prepare.
You approve.
Zypa Flow is treasury, done for you. Every week we plan the cash across all your accounts and prepare the conversions and payment runs. You approve each payment in your bank’s own app.
Opening your accounts is free.With Zypa Flow there is no setup fee. Then a flat monthly fee.
We never hold your money or approve a payment. Zypa Finance is based in Hong Kong and is not a bank.
Every week
Treasury, done for you.
Treasury means planning your company’s cash: where it sits, when it moves and what is due. Every week we do five jobs, across all your accounts.
A cash plan
What comes in and goes out over the next weeks, across all your accounts.
Conversions
Money converted when a payment needs it, from the account where it costs least.
Payment runs
Batches of payments to suppliers, payroll and platforms, prepared on schedule.
A reserve
Money kept apart in a second account, so one bank’s review doesn’t stop the business.
A weekly report
Your cash across all your accounts, and what is planned next.
A week with Zypa Flow
Prepared by us. Approved by you.
01We plan
The cash, across all your accounts.
What is due, and which account should pay it.
02We prepare
Conversions and payment runs.
Each payment set up in your bank, ready for you.
03You approve
Each payment, in your bank’s app.
Nothing is paid until you approve it.
04We report
The week, and what comes next.
Your cash across all your accounts.
Illustrative: one week of a trading company in Hong Kong.
Who does what
We do the work.
You keep the final say.
Zypa
- Plans the cash across all your accounts
- Prepares the conversions and payment runs
- Confirms a new payee’s bank details before the first payment
- Sends you the weekly report
You
- Approve every payment, in your bank’s own app
- Keep the accounts and the money, in your company’s name
- Keep your logins, security tokens and codes
- Decide what happens next, with the report in hand
Zypa is added to your accounts as a user who can prepare payments but not approve them. We never hold your money, never approve a payment and never ask for your logins. We don’t invest your money or give investment advice.
What it costs
No setup fee when you choose Zypa Flow.
With Zypa Flow there is no success fee for opening your accounts. There is one flat monthly fee instead.
| The usual way | Success fee, when each account opens | From USD 600 per account |
|---|---|---|
| With Zypa Flow | Opening your accounts | No setup fee |
| Zypa Flow | The weekly planning, preparing and report | A flat monthly fee |
|---|
The monthly fee is flat: it is not a share of the money you move. Ask us for the amount.
Questions about Zypa Flow
Do you hold our money?
No. Your money stays in accounts in your company’s name, with the licensed banks and platforms you chose.
Can Zypa approve or send a payment?
No. You add Zypa as a user who can prepare payments, not approve them. Every payment waits for your approval in your bank’s own app.
Do you need our logins, security token or codes?
No. You add Zypa as a user in each account, and we never ask for your logins, security token or codes.
What happens when we pay someone new?
We confirm a new payee’s bank details before the first payment. Then the payment is prepared, and you approve it in your bank’s own app.
What does Zypa Flow cost?
Opening your accounts has no setup fee with Zypa Flow, instead of the success fee from USD 600 per account. Then there is a flat monthly fee. It is not a share of the money you move.
Which accounts work with Zypa Flow?
Accounts that let you add a user who prepares payments while you approve them.
Can we keep the bank we have?
Yes. The cash plan covers all your accounts, the ones you have and the new ones.
What do we do each week?
Approve the payment runs in your bank’s own app, and read the weekly report.
Do you invest our cash? Will it earn interest?
No. Zypa Flow plans your cash and prepares your payments. We don’t invest your money or give investment advice.
Open your accounts with no setup fee.
Choose Zypa Flow and we open the accounts you need, then do the treasury work with you every week.
No setup fee, then a flat monthly fee. You approve every payment. Your money stays in your company’s accounts.
Pricing
We’re paid when you’re banked.
One success fee for each account, paid when the account is open and the money in it is yours to use. Nothing upfront. If an application is declined, you pay nothing.
Prices are in US dollars.
One account
For a company that needs one account to start: a business account at a digital bank, or a multi‑currency account.
Starting from USD 600
per account, when it is open
- Assessment and your reviewed setup
- Application prepared from your documents
- Follow-up with the bank until the account is open
Your full setup
Two to four accounts that work together, for example an everyday bank, a global account and a checkout.
Starting from USD 600
per account, paid as each one opens. If only some open, you pay only for those.
- Everything in One account
- All applications sent at the same time
- The cheapest route planned for each kind of payment
Complex and platforms
Holding and offshore structures, crypto and Web3, exchanges, prediction markets and brokers.
Starting from USD 600
per account. Exact fee confirmed after the assessment, paid when it opens.
- Specialist banks and platforms, for example Sygnum, Binance, Polymarket, Kalshi, Interactive Brokers
- Several entities, or owners and directors abroad
- Platform applications prepared from the same profile
Zypa Flow
No setup fee when you choose Zypa Flow.
Treasury, done for you: every week we plan the cash and prepare the conversions and payment runs, and you approve each payment. Instead of the success fee, there is one flat monthly fee.
Get your free setup How Zypa Flow worksYour quote
What goes into your quote
Accounts
How many accounts
Each account has its own success fee, starting from USD 600. You pay only for the accounts that open.
Banks
Which banks
Digital-first banks need less preparation. Large banks have interviews and stricter reviews.
Structure
Your structure
Holding companies, offshore parents, several owners or directors abroad take more preparation.
Industry
Your industry
Crypto, trading, gaming and money services need specialist banks and platforms.
You see an indicative setup at the end, and the exact fee before anything is sent. Names are examples of providers our clients use; which ones fit depends on your company.
Start assessmentPartners
Partner with Zypa.
We help your clients get banked too. Refer them to us, or offer our service under your own brand. Like everything we do, it is success-based: we are paid when the client’s account is open.
Talk to usTwo ways to work with us
Refer your clients, or offer it as your own.
Refer your clients
Introduce the client and we take it from there: the assessment, the applications and the follow-up until the accounts are open.
- Nothing more to do after the introduction
- We sign the client, collect the documents and invoice the fee
- Your share is paid when each account opens
- Progress updates for you and your client
White label
Offer bank account opening as your own service. Your client deals with you; we do the matching, the applications and the follow-up behind your brand.
- Your brand on the assessment and the setup
- You keep the client relationship and invoice your client
- We invoice you at partner pricing, when each account opens
- Our team behind yours, from the first question to the open account
Who we work with
Firms whose clients need to get banked.
Corporate service providers
Bank accounts for the companies you set up and administer.
Company formation agents
The accounts a new company needs, right after incorporation.
Accountants and tax advisers
Clients who pay too much to move money, or struggle to get banked.
Law firms
Holding, offshore and regulated structures that need specialist banks.
Fintechs and platforms
Business accounts for your users, behind your product.
Family offices
Accounts and brokers for holding and investment companies.
Let’s work together.
Zypa Finance is based in Hong Kong and works with companies worldwide. Email us and we’ll arrange a 15-minute call about your clients, the model that suits you and rates.