Banking Circle S.A.

Banking Circle S.A. is a Luxembourg-authorised credit institution focused on infrastructure for business payments and accounts, serving payment service providers, fintechs, banks, and marketplaces rather than retail customers. It is supervised by the Commission de Surveillance du Secteur Financier (CSSF) and participates in the Luxembourg deposit guarantee scheme (Fonds de garantie des dépôts Luxembourg) for eligible deposits in line with statutory limits and scheme rules. Core services include multi-currency business accounts with dedicated and virtual IBANs, inbound and outbound payments via SEPA and SWIFT, access to selected local clearing in additional currencies through direct participation or correspondent networks, foreign exchange, and safeguarding and settlement accounts designed for regulated PSPs. Integration is available through APIs and an online portal, with file-based options for operations and reconciliation. Onboarding is limited to institutional clients and subject to Know Your Customer, anti-money laundering, and sanctions screening; product availability and limits depend on client profile and jurisdiction. Pricing is typically contract-based rather than published tariffs. Operational factors to consider include cut-off times, prefunding or liquidity requirements on certain routes, and reliance on partner banks for some corridors, which can affect speed and fee structures. The bank publishes audited financial statements and regulatory disclosures as required. Banking Circle S.A. forms part of Banking Circle Group, delivering its services across the European Economic Area under the EU banking framework.