Business Account for Importers and Exporters
Pay international suppliers via SWIFT. Receive from EU clients via SEPA. One Netherlands NL IBAN. Up to 1.5% FX.
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Pay Overseas SupplierSWIFTPhysical cards available for businesses based in Europe and the UK only. IBAN, SEPA, SWIFT, and FX features are available globally.
The Three Payments Problems Import/Export Companies Face
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High FX Costs on Supplier Payments
Banks charge 3–5% on currency conversion. Each USD payment to an Asian supplier quietly costs more than the invoice shows.
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Slow SWIFT Via Legacy Banks
Traditional bank SWIFT transfers take 2–5 days. Suppliers delay shipments waiting for funds. Your supply chain suffers.
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No EU IBAN to Receive from European Clients
Without a European IBAN, EU partners can’t pay you via SEPA. They face high cross-border fees — and so do you.
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Forced Currency Conversion at the Wrong Time
Your bank converts at their rate, when they decide. You can’t hold USD received today until EUR rates improve tomorrow.
One Account. Every Trade Payment Solved.
Netherlands NL IBAN — Receive from EU Clients
European IBAN for import export company — issued from the Netherlands. EU and UK clients pay you via free SEPA, as if you were a local business. No cross-border surcharges.
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Free SEPA Receive EUR
All incoming SEPA transfers arrive at zero cost on all tiers. Receive EUR from Europe personal IBAN partners and business clients — SEPA Instant supported.
SWIFT to 190+ Countries — Pay Any Supplier
SWIFT payments for international trade to 190+ countries. Pay suppliers in USD, GBP, SAR, and 35+ more from the same account. SWIFT send fees from €0 (Black) to €5 (Classic) — see /comparison/.
Up to 1.5% FX — Hold Your Currencies
Multi currency account for trade business. Hold USD received today, convert to EUR when rates suit you. FX conversion at up to 1.5% — no forced conversion, no hidden spread.
Non-EU Company Eligible
Business account non-resident import export — registered companies worldwide qualify. No EU office, no local director required. KYC ~4 minutes online.
How to Make SEPA Payments for Your Business
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Create Your Account
Create Your Account
Register your company at nowemoney.com. Takes ~4 minutes. Non-EU company account registration is fully online — no branch required.
Complete KYC
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Complete KYC
Verify company directors and beneficial owners. KYC takes ~4 minutes; usually completes in 1 business day.
Upload Company Documents
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Upload Company Documents
Submit registration certificate, articles of association, and director IDs.
Get Your NL IBAN — Start Trading
Get Your NL IBAN — Start Trading
Receive your Netherlands NL IBAN and start paying suppliers via SWIFT and receiving from EU clients via SEPA.
NOWE Business Accounts are for registered companies only. If you are a sole trader or individual freelancer, explore the NOWE Personal Account at /open-account.
NOWE vs Competitors vs Your Bank
NOWE does not offer forward contracts, FX hedging, letters of credit, or documentary collections. NOWE is built for SMEs that need transparent, self-serve FX + SEPA + SWIFT from an EU IBAN. If your business requires FX risk management tools, iBanFirst or Ebury may be more appropriate.
More NOWE Tools for Your Trade Business
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Trusted by Importers and Exporters Across Borders
Real stories from trade businesses paying suppliers and receiving from EU clients with NOWE.
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Sent payments at clear FX rates instead of inflated bank pricing applied without visibility or control.
Our bank controlled the rate and timing. With NOWE, we pay suppliers with full transparency.
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Amira K.
CEO · Export Business
🇦🇪 UAE
Frequently Asked Questions
NOWE Money B.V. offers importers and exporters a Netherlands NL IBAN with free SEPA receive, SWIFT to 190+ countries, and up to 1.5% FX across 38+ currencies — from one online account. Non-EU registered companies worldwide qualify. KYC takes ~4 minutes; verification usually in 1 business day. No account manager required. No minimum FX volume.
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Start Trading Without Banking Complexity
Embedded FX at up to 1.5%. NL IBAN, non-EU welcome. Start in ~4 minutes.
Physical cards available for customers based in Europe and the UK only. FX conversion and international transfers available globally — compare all plans /comparison