EU Business Account for E-commerce Sellers

Netherlands IBAN, free SEPA, up to 1.5% FX. Any registered company. Worldwide.

FCA Regulated
KYC ~4 Min
Verified in 1 Business Day
190+ Countries
38+ Currencies
Safeguarded Funds
Open a Business AccountSee Pricing

Physical cards available for businesses based in Europe and the UK only.

Why Ecommerce Businesses Struggle with EU Payments

Blocked by Marketplace Payouts

Amazon and Shopify require a SEPA-eligible IBAN to disburse EUR. Without one, your store payouts are blocked.

Expensive FX on Every Transfer

Traditional banks charge 3–5% to convert marketplace payouts. That margin loss compounds across every payout cycle.

EU Accounts Require Residency

Most EU banks reject non-resident companies. You need a local European address before your application is even reviewed.

Slow SWIFT Delays Kill Cash Flow

International wires take 3–5 days to arrive. Inventory funding and supplier payments cannot wait a week to settle.

What is NOWE

NOWE Money is a multi-currency fintech platform operated by NOWE Money B.V., registered in Amsterdam, Netherlands (KvK 98048260). It offers personal and business accounts with EU IBANs, SEPA payments, international FX across 190+ countries, and 38+ currencies. Payment services are provided by Equals Money PLC (FCA #900190). KYC takes ~4 minutes; accounts verified within 1 business day.

Receive EUR Payments — Without EU Residency

Netherlands IBAN

A real EU IBAN starting with NL. Connect it to Amazon Seller Central, Shopify Payments, or Stripe immediately after activation.

Up to 1.5% FX Conversion

Convert marketplace payouts across 38+ currencies at up to 1.5% FX conversion rate — lower than any default marketplace rate.

Team Tools & Sub-Accounts

Add team members, assign spending roles, and manage sub-accounts. Available on Platinum and Black plans.

Free SEPA Transfers

Receive SEPA transfer ecommerce payouts from EU marketplaces and customers at zero cost. SEPA Instant supported.

SWIFT Receive

Accept international wires from global buyers. SWIFT receive fees from €0 on Platinum and Black tiers.

190+ Countries

Send and receive payments across 190+ countries from one multi-currency wallet business account. No local entity required.

How to Open Your NOWE Business Account

01
Account Type
Personal
Business
Create Account

Create Account

Enter your business details at nowemoney.com. No branch visit required.

02
Application documentsAssociated people documents

Upload Company Documents

Submit your business license and associated people docs.

03

One last step

Verify your identity to complete your account setup. Usually takes 5–10 minutes.

Contact support

Complete KYC

Fill in the online form. Takes ~5-10 minutes.

04
Congratulations!
Your account is now verified and ready to use
Access My Account
Opens external platform in new tab

Get Verified

Review usually completes in 1 business day.

05
For Businesses
Your business a Netherlands IBAN no borders.
Free SEPA. Up to 1.5% FX. Verified in 1 business day.
Open a Business Account

Start Transacting

Your EU IBAN is issued and ready immediately upon approval.

How UAE e-commerce brands unlock EU payouts with NOWE

E-commerce sellers across the UAE use NOWE to receive EUR payouts from Amazon.de and Shopify EU without needing an EU company setup.

Got a Netherlands IBAN in one business day — and unblocked Amazon.de payouts without opening an EU entity.

We were stuck for months on Amazon.de payouts. NOWE gave us a Netherlands IBAN in one day — and our EUR payouts have been running smoothly ever since.

Amira K.

Amira K.

E-commerce Director

🇦🇪 UAE

NOWE Money vs Traditional Banking for E-commerce

EU IBAN for non-residents
Nowe MoneyNetherlands NL IBAN
Traditional BanksEU residency required
SEPA receive
Nowe MoneyFree
Traditional Banks€0.50–€2 per transfer
FX conversion rate
Nowe MoneyUp to 1.5%
Traditional Banks3–5% typical
Online onboarding
Nowe Money~4 min KYC + doc upload
Traditional BanksWeeks, often in-person
Verification time
Nowe MoneyUsually 1 business day
Traditional Banks2–6 weeks typical
Multi-currency account
Nowe Money38+ currencies
Traditional BanksTypically 3–5 currencies
Team access
Nowe MoneyPlatinum & Black tiers
Traditional BanksLimited or extra cost

Useful Tools for E-Commerce Sellers

Multi-Currency IBAN

Hold, send, and receive in 38+ currencies from one Netherlands IBAN account.

SEPA Payments

Send free SEPA transfers to any of 36 European countries — instant or standard.

International FX

Convert earnings at up to 1.5% across 190+ countries and 38+ currencies.

Regulated and Safeguarded

FCA #900190

FCA Authorised

Payment Services via Equals Money PLC, Authorised And Regulated By The UK Financial Conduct Authority.

PSD2

Safeguarded Funds

PSD2-Compliant. Client Funds Held In Safeguarded Accounts — Never Used For Credit Or Speculation.

KvK 98048260

NOWE Money B.V.

KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Netherlands
Private limited liability company registered in the Netherlands.

Compliance full details →
Legal disclaimer

NOWE Money B.V. is a private limited liability company registered in the Netherlands, listed with the Dutch Chamber of Commerce (KvK) under number 98048260, with registered office at John M. Keynesplein 4, 1066 EP Amsterdam. Payment services are provided by Equals Money PLC, authorised and regulated by the Financial Conduct Authority (FCA) under registration number 900190. Funds are held in safeguarded accounts and are not covered by the Financial Services Compensation Scheme (FSCS).

Frequently Asked Questions

Yes. Amazon Europe requires a SEPA-eligible IBAN to disburse EUR marketplace payouts. NOWE Money B.V. issues a Netherlands NL IBAN to registered businesses worldwide. Connect it to Amazon Seller Central immediately after account verification — which takes usually 1 business day.

For Businesses

Open Your EU E-Commerce Business Account

NL IBAN, Free SEPA, 38+ Currencies. Start In ~4 Minutes.

Open A Business AccountSee Pricing