Intergiro is an electronic money institution focused on providing Multi-currency business account, Banking as a Service and Payment processing solutions. It offers business accounts with 8 different IBANs and corporate payment cards to business entities.

Business Account product description:

Intergiro is a business-shaped banking and designed with modern business in mind. With Intergiro, Users get access to SWIFT/ SEPA, make and receive payments locally and internationally, and save up to 7x compared to the banks when customer send money abroad. Intergiro enables businesses to hold and switch between multiple currencies in seconds with low, transparent fees. Sign-up and verification is very simple - one can do it online without visiting a local branch. Thus, a Business can go global fast and receive payment like a local in 8+ currencies, users get a EUR IBAN and multi-currency IBANs to unlock all benefits of international trade for your business. Whether you are automating your business finances or providing banking services to your customers, Intergiro's APIs give you the financial toolkit to build, adapt and thrive.

Business Account offers several pricing plans for different customer groups, namely Starter, Growth, and Professional. The starting price is just €9 per month.

Incorporated in Sweden, Intergiro International Stockholm AB is authorized and regulated by the Swedish Financial Supervisory Authority.

Cost of transferring money abroad using Intergiro

Using Intergiro to receive EUR payments via SEPA is for free. For example, receiving euros from Portugal to the Netherlands.

Making outbound EUR payments via SEPA may be free of charge depending on your package and amount of payments:

• Starter package: 50 payments per month for free;
• Growth package: 100 payments per month for free;
• Professional package: 200 payments per month for free.

After exceeding the free amount of outbound SEPA transfers, you pay only €1 per transaction to transfer EUR to other SEPA countries.

Making outbound local payments in USD, GBP, SEK, DKK, NOK or PLN are charged with a fee per transaction, depending on your package:

• Starter package: €2 per transaction;
• Growth package: €1,50 per transaction;
• Professional package: €1 per transaction.

FX (Foreign Exchange) rate

Intergiro adds a small markup to the interbank rate to produce the Intergiro live FX rate for all currency conversion transactions within their platforms. That means a user only pays the interbank exchange rate and a transparent markup whenever the customer moves money abroad — without hidden costs or fees.

Commission for Affiliates:

• €80 for a complete account opening* (a company that provided the required documents)
• 0.05% of the first 1 year FX spend for each of the onboarded clients

*All opened accounts will be tracked as 0.01 cent commission and the right amount of commission will be updated by the end of each month after Intergiro's risk team reviews and approves the applications.

Merchant Services product description:

Intergiro offers a one-stop-shop for businesses looking for a full-service solution for their payment and banking needs. With a combined merchant business account, Intergiro helps businesses save time and money by reducing costs associated with multiple providers. One of the most notable features is the same-day settlements offer, which means you will have access to your funds on the same day of the transaction (T+0), which is faster than traditional processing time of 2-5 days. This feature is of great benefit for you to keep cash flowing and make immediate use of the funds for your business. When opening a merchant business account with Intergiro, you get free business banking services. Since Intergiro integrates both business banking and payment processing solutions in one platform, you can enjoy the convenience of having all your financial transactions, banking services and employee expense cards in one place.

Merchant Services USPs:

Accept payments on your website with a uniquely bundled package that includes both a merchant and business account

Free banking for merchants to reduce costs

Receive funds the same day

Quick access to working capital

Spend earnings instantly with your debit card

Commission for Affiliates:

€100 CPL (for the completed Merchant Services reach out form)