Insights
Named Virtual IBAN: Why the Name Behind It Decides
A named virtual IBAN returns your company name to Confirmation of Payee and Verification of Payee checks. How the check works, and how to test yours.
8 min read
Read article FCA Regulated·
GBP · EUR · USD · 13 more·
SWIFT & SEPA·
Segregated funds·
Instant payments·
No monthly fee
FCA RegulatedFRN 804853
256-bit EncryptionBank-grade security
The Problem
Your business
is global.
Your bank is not.
If your company operates across borders — managing contracts, paying international suppliers, running distributed teams — you already know the problem.
These are not inevitable features of international business.
EXFI was built to replace them.
01
Three-day wire transfers that arrive after your deadline.
02
Currency conversion fees that erode every cross-border payment.
03
Correspondent bank compliance holds that delay your operations.
04
Multiple accounts in multiple countries with no unified view.
The infrastructure
Built for the way modern business actually moves.
Your EXFI account
Active£
GBP
British Pound
€
EUR
Euro
$
USD
US Dollar
CA$
CAD
Canadian Dollar
Fr
CHF
Swiss Franc
S$
SGD
Singapore Dollar
kr
DKK
Danish Krone
kr
NOK
Norwegian Krone
+ PLN, HKD, ZAR, CNY and more
The Solution
One account.
Every currency.
Instant movement.
EXFI gives your business a dedicated multi-currency account with IBANs in your primary operating currencies — GBP, EUR, USD, CAD, CHF, SGD and more — accessible via a clean, professional web portal from anywhere in the world.
Send and receive payments across all major global rails. Convert between currencies at competitive rates. See every account, every balance, every transaction in one place.
Built for businesses that cannot afford to slow down.
Features
Everything to move
money globally.
One account. Every tool. Built for businesses that cannot afford to slow down.
Multi-currency accounts
Dedicated IBANs in GBP, EUR, USD, CAD, CHF, DKK, NOK, SEK, PLN, HKD, SGD, ZAR, CNY and more.
Global payment rails
SWIFT, SEPA, FPS, BACS, CHAPS. Transfers in minutes, not days.
Competitive FX
0.70% on major pairs. 0.90% on minors. No hidden charges.
Xero integration
Auto-reconcile. No manual exports.
Intercompany payments
Move funds between entities instantly. Auto-generate compliant invoices. Zero SWIFT fees internally.
Escrow services
Secure funds for high-value transactions until conditions are met.
Corporate cards
Branded Visa cards for your team — UK and Eurozone. Manage limits in real time.
Coming soon
Stablecoin accounts
USDC & EURC alongside fiat. Earn yield on reserves. MiCA compliant.
Who We Serve
Built for businesses
like yours.
EXFI is designed for businesses that operate across jurisdictions, currencies, and time zones.
R&D and deep tech companies
Managing government grants, international research partnerships, and cross-border supplier payments across multiple EU jurisdictions.
European SMEs with international operations
Companies with entities in multiple countries, teams in multiple time zones, and suppliers in multiple currencies.
Clean technology ventures
Multi-currency payment requirements across European and Southeast Asian markets. Funding cycles, government contracts, grant structures.
Internationally relocating professionals
Moving your business to a new jurisdiction. Accounts that work across your old and new home simultaneously.
Family offices and holding structures
Multi-entity structures with complex intercompany payment requirements. Payment infrastructure you can rely on.
How It Works
Open in four steps.
01
Apply online
Complete our application. Provide company registration documents and director ID. Our compliance team typically reviews within 24–48 hours.
02
Verify your identity
Full KYC online. No branch visits. Secure document upload via your EXFI portal. Compliant with UK AML and FCA requirements.
03
Fund your account
Transfer from your existing bank or receive an inbound payment. Your EXFI account is active immediately upon first funding.
04
Start moving money
Send payments globally. Receive to dedicated IBANs. Issue cards. Connect Xero. Ready from day one.
Pricing
Transparent pricing.
No surprises.
Business account
UK-incorporated entities
£0
per month
- No monthly fee for UK-incorporated entities
- No account opening fee
- No minimum balance
Transaction fees
Incoming SEPA£0.99
Outgoing SEPA£0.99
Incoming UK (FPS)£0.99
Outgoing UK (FPS)£0.99
International SWIFT (incoming)£26.40
International SWIFT (outgoing)£26.40
Internal transferFree
FX — major currencies0.70%
FX — minor currencies0.90%
Corporate cards: Plastic £0 (UK) / £15 (EU) · Virtual: Free · Monthly: £2.00 incl. SMS alerts · FX mark-up: 0%
Full fee schedule at exfi.co/fees · All fees in GBP · Subject to change with 30 days notice.
About
Built on two decades of
international operations
EXFI is the financial services division of EX Venture Inc. — a global operator in clean technology, deep tech, and entrepreneurial development with over twenty years of international experience across Europe, the Middle East, and Southeast Asia.
We have raised and consolidated over $150 million in capital across clean technology ventures. We manage four international research clusters for the German Ministry of Economics. We have incorporated and managed over sixteen companies across multiple jurisdictions.
We built EXFI because we experienced the friction of international banking from the inside — and we knew the solution existed. We built it for the businesses we work with every day.
"We built EXFI for the businesses we work with every day."
Julien Uhlig
Founder and CEO, EX Venture Inc.
Ernst and Young Entrepreneur of the Year finalist · Four-time Inc. 5000 CEO · Featured in CNN, Forbes, Bloomberg, and Business Insider · Based in Europe, building across Germany, Spain and Bali.
EX Venture Inc. · 20+ years international operations
£150M+
Capital raised
16+
Companies managed
4
Government research clusters
20+
Years international ops
Trusted by
Internationally operating businesses across Europe
Southeast Asia-based ventures
Government-contracted R&D teams
20+ visa applications monthly
Client logos to be added on launch.
The ladder is gone. The orchestrators are here.
The Instruction
For eighty years the instruction was the same: pick a lane, go deep, climb. Hold one narrow specialism and you were safe, because knowing something rare was the asset. That instruction has been repriced, and the people it was written for are finding out first.
What Replaces It
Orchestration. Operating across borders is no longer a specialist job for a corporate treasury team — it is the default condition of anyone who earns in one currency and lives in another. The infrastructure has to carry that without asking the operator to become a banker. That is the room EX FI builds in.
The Spine
One argument runs through everything the group runs: the book, EX Epic Academy (25,000 applications, 25 seats per cohort, 210 alumni across 19 countries), the EX-AI Summit 2026 on 18-20 November (Online, Las Palmas, Bali), and the ventures that have to prove it every quarter.
Available for advisory, board seats and media appearances. EX Epic Academy crosses every company in the group, including the ones that sit outside this venture.
News & Insights
Latest from
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Read moreFAQ
Frequently asked questions
Account limits, security and safeguarding, and onboarding for new business clients.
Global account limits
Security & safeguarding
Onboarding for new business clients
Ready to move money
without borders?
Open your EXFI account today. No minimum balance. No setup fee. FCA-regulated from day one.
Get in touch
- General enquirieshello@exfi.co
- Compliance & onboardingcompliance@exfi.co
Questions about eligibility, compliance, or your specific use case?
Our team typically responds within one business day.
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