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Underserved industries
Legitimate, established sectors that struggle to open and keep accounts because banks treat the whole industry as out of scope. Trading businesses above all.
Accounts for international business
Banks say no. We say yes.
For the industries and structures other banks decline: USD, EUR, GBP, AED and CAD held on local and SWIFT rails, payouts in 80+ currencies, USDT and USDC on and off, and a crypto gateway. Opened for the business as it actually is.
Why the answer is different
We look at the business ourselves.
We understand the business and its structure before we ask the institution to. We do not say yes to everything, and we tell you early when the answer is no.
Niowire is not a bank. Accounts are provided by regulated payment institutions in the United Kingdom.
Book a call opens our booking calendar in a new tab.
The card. Sample details, not a real account.
Why the answer is different
International business needs a closer look.
An international business can be sound and still fall outside a provider’s standard criteria. Ownership across jurisdictions, unfamiliar trade routes and specialist industries all need a closer look. We review the business and prepare its application for the institution, with a person to speak to throughout.
- 10+Years of experience in banking and structures
- 190+Countries the platform behind us pays into
- 700+Five star reviews of the platform behind us
80+
Currencies
Our focus is FX, because that is what an international business needs: a currency for every stakeholder, plus USDT and USDC on and off. Every one is on the payouts page with its rate against the dollar.
1,000+
Businesses
Over a thousand businesses operating internationally or in the harder jurisdictions trust our underlying payment solution to transact globally and run their day to day.
1
Onboarding
Our team knows the more complex businesses and structures, so we try to understand everything in one onboarding. The questions get asked once, before the account opens, not after a payment is held.
SWIFT
On every account
Apart from the local rails that allow instant payments, every account has SWIFT, so you can reach bank accounts worldwide.
Currencies from our payments partner’s currency sheet and the product paper, September 2026. Businesses and years are the founders’ figures.
The account providers
Accounts come from payment institutions authorised and regulated by the Financial Conduct Authority in the United Kingdom.
The company behind Niowire
Niowire is a product of Acre Osterwald Partners Limited until its own company is formed. The company’s Hong Kong register entry and further details are on the About page. A company registration is not a permission to provide financial services.
Held separately
Client money sits in safeguarded accounts at partner banks, not with us. Even if Niowire failed, your funds would be safe in those accounts. Safeguarding is not deposit insurance, and the payouts page says what that means.
The account
Every balance on one screen.
See your balances by currency, track recent payments and review exchange rates in one place.
Payouts
80+ currencies.
Our solution is built around FX, because that is what an international business needs: a currency for every stakeholder, paid from the five you hold, over local rails where they exist and over SWIFT everywhere else. Plus USDT and USDC on and off.
Find your next payment route.
Search the payout currencies and available reference rates against the dollar. If yours is not listed, book a call to discuss the route you need.
Who we serve
Three situations. One relationship.
02
Complex ownership structures
Holding companies, group structures, trusts and foundations, and businesses owned through more than one jurisdiction.
03
Entrepreneurs in multiple countries
Founders who live, own and operate across borders and need one relationship that follows them rather than one per country.
- Natural resources
- Commodities
- FX
- Luxury
- Travel
- Import and export
- Trading businesses
- iGaming
- Crypto
- Energy and fuels
- Agricultural commodities
- Wholesale and distribution
- Logistics and freight
Before you ask
The questions we get first.
Who holds my money, and is it safe?
Regulated payment institutions in the United Kingdom hold it, in safeguarded accounts at partner banks, not with us and never lent out or invested. Even if Niowire failed, your funds would be safe in those accounts, because we never hold them. Safeguarding is not deposit insurance: no compensation scheme stands behind it, and if an institution failed the money would come back from that separate account after the costs of the insolvency, which can take time and need not be whole.
What does the account include?
Accounts in USD, EUR, GBP, AED and CAD, each on its local network and on SWIFT. Payouts in 80+ currencies with the rate in front of you. USDT and USDC on and off, with a card that spends from the balance. A crypto gateway that gets paid and pays out in the ten assets its provider lists, with more on request. And a personal account for every owner, from the same application.
How fast, and what does it cost?
Timing depends on your business and the institution’s checks. Our team explains the application process and keeps you informed. Pricing is quoted for your business, in writing, before you apply. Book a call to discuss your requirements.
Book a callDo the owners get accounts too?
Yes. One onboarding covers the business accounts and a personal account for every ultimate beneficial owner, from the same set of documents, each with the same currencies and their own card. Salary, dividends and expenses move between them without leaving the platform.