Business banking & treasury
Digital business accounts, cards, and treasury tooling aimed at startups and growth companies.
Top three
| Rank | Company | Rating |
|---|---|---|
| 1 | BILLUS small and midsize businesses and accounting firms that want bill pay, invoicing, cards, and expenses in one system. | 84 |
| 1 | MercuryUS startups and small businesses that want free online banking, cards, bill pay, and treasury in one account. | 84 |
| 1 | RevolutCompanies that pay and get paid in several currencies and want accounts, cards, FX, and expenses in one app. | 84 |
All rated companies in this sector
BILL
BILL is a San Jose, California, financial operations platform that lets small and midsize businesses pay bills, send invoices, manage cards and expenses, and sync it all with their accounting software.
Built for: US small and midsize businesses and accounting firms that want bill pay, invoicing, cards, and expenses in one system.
PaymentsFor businessesHolds client moneyPublic companyMercury
Mercury is a San Francisco fintech that gives startups and small businesses checking and savings accounts, cards, bill pay, invoicing, and treasury through partner banks.
Built for: US startups and small businesses that want free online banking, cards, bill pay, and treasury in one account.
For businessesHolds client moneyRevolut
Revolut is a London, England, financial app whose Revolut Business accounts give companies multi-currency accounts, cards, FX, and payment acceptance.
Built for: Companies that pay and get paid in several currencies and want accounts, cards, FX, and expenses in one app.
For businessesCard issuerHolds client moneySoldo
Soldo issues Mastercard prepaid cards, company wallets, and expense tools to incorporated businesses across Europe. It is a spend-management platform founded in London. Private; Irish parent YE2024 turnover ~$44.8M.
Built for: Incorporated European companies that want employee cards and spend controls beside their existing business bank account.
For businessesCard issuerHolds client moneyStarling Bank
Starling Bank is a London, England, digital bank that gives UK consumers and small businesses current accounts and sells its banking software to other banks.
Built for: UK sole traders and limited companies that want a free business account with invoicing and tax tools from a licensed bank.
For businessesFor consumersHolds client moneyPayhawk
Payhawk is a London and Sofia spend management platform that runs corporate cards, expenses, accounts payable, procurement, and travel for mid-market and enterprise finance teams.
Built for: Mid-market and enterprise finance teams that want cards, bills, procurement, and travel in one platform.
For businessesPaymentsANNA Money
ANNA Money offers UK businesses an account and app that handle invoices, expenses, bookkeeping, and tax filing with HM Revenue and Customs, the UK tax authority.
Built for: UK micro-businesses and freelancers that want cheap or free entry pricing and built-in tax admin.
For businessesCard issuerHolds client moneyRelay
Relay is a US business banking and money platform that helps small businesses organize checking, savings, cards, bill pay, and cash-flow workflows.
Built for: US small businesses that want multi-account banking, cards, and cash-flow clarity.
For businessesHolds client moneyPaymentsRho
Rho gives startups and growing companies business banking, with accounts, corporate cards, bill payment, and invoicing. The banking services come from partner banks.
Built for: Startups and growing companies incorporated in the US that want banking and corporate cards without fees inside one account, with a person available to help at any hour.
For businessesCard issuerTide
Tide is a London, England, business account and admin platform for sole traders and small companies, with free and paid plans, cards, and invoicing.
Built for: UK sole traders and small companies that want a free or low-cost account with invoicing and accounting built in.
For businessesCard issuerHolds client moneyMelio
Melio is a New York bill pay platform owned by Xero that lets US small businesses pay vendors by ACH, card, or check and get paid, with free and paid plans.
Built for: US small businesses and bookkeepers that want low-cost bill pay by ACH, card, or check with accounting sync.
PaymentsFor businessesPleo
Pleo is a spend-management platform. Small and mid-size European companies use it to give staff company cards, capture receipts, pay supplier invoices, and sync spending to their accounting system.
Built for: European teams of up to a few hundred people that want cards, expenses, and invoices in one tool at published per-user prices.
Card issuerHolds client moneyFor businessesAlaan
Alaan is a Dubai spend management and business account platform that gives UAE and Saudi finance teams corporate cards, expense automation, and cross-border supplier payments.
Built for: UAE and Saudi finance teams that want cards, receipt automation, and a local business account.
For businessesPaymentsExpensify
Expensify is a Portland expense management company that captures receipts, reimburses employees, and issues a Visa commercial card to small and mid-sized businesses.
Built for: Small and mid-sized businesses that want receipt scanning, reimbursements, and a cash-back card.
For businessesPublic companyJuni
Juni is a Swedish financial technology company that offers business accounts and cards in several currencies, invoice credit, and accounting tools that connect to existing accounting software.
Built for: European ecommerce or online-marketing companies that want multi-currency accounts, cards, and invoice credit.
For businessesCard issuerHolds client moneyCledara
Software spend management with a virtual card per SaaS tool, renewal alerts and accounting sync. Private; more than 1,000 customers in 32 countries.
Built for: Finance and IT teams at growing companies with many software subscriptions.
PaymentsFor businessesIncrease
Increase is a Bend, Oregon banking API company that lets fintechs and software platforms move money, hold deposits, and use US payment rails through one developer interface.
Built for: Fintechs and software platforms that want programmatic US banking rails, accounts, and cards.
For businessesHolds client moneyPaymentsMoss
Moss combines corporate cards, invoice payments, expense claims, and accounting automation in one spend-management platform for European small and mid-size companies. Private; revenue ~$32M (Finanz-Szene, January 2025).
Built for: Growing European companies that want cards, invoices and expenses in one finance tool.
Card issuerHolds client moneyFor businessesNovo
Novo is a Miami business banking platform for small businesses and freelancers, with checking, invoicing, payments, and funding tools on one app.
Built for: US small businesses and freelancers that want free checking with invoicing, payments, and integrations.
For businessesHolds client moneyPaymentsPlooto
Plooto is a Toronto, Ontario, payments automation company that lets small businesses and accounting firms pay bills, collect invoices, and send international payments with approvals and accounting sync.
Built for: Small businesses and accounting firms that want bill payments, collections, and approvals with accounting sync.
PaymentsFor businessesRydoo
Rydoo is a Belgian expense management and accounts payable platform that automates expense claims and supplier invoices for multinational finance teams.
Built for: Multinational finance teams that need compliant expense claims and invoice automation.
For businessesSynctera
Synctera is a banking-as-a-service platform that helps fintechs and banks launch accounts, cards, and money movement with sponsor banks.
Built for: Fintechs and banks that want accounts, cards, and money movement through sponsor banks on one platform.
For businessesFor banksCard issuerWeel
Weel is a Sydney spend management platform, formerly DiviPay, that gives Australian and New Zealand businesses corporate cards, expense automation, and accounts payable tied to their accounting software.
Built for: Australian and New Zealand businesses that want unlimited cards and accounting sync at a posted price.
For businessesPaymentsLili
Lili is a New York business banking app for small businesses and freelancers, pairing checking with bookkeeping, tax tools, and invoicing.
Built for: Freelancers and small businesses that want checking with bookkeeping, tax buckets, and invoicing.
For businessesHolds client moneyMooncard
Mooncard is a Paris spend management company that pairs a Visa company card with an accounting engine so French and European teams close their books without re-keying expenses.
Built for: French and European finance teams that want a company card with automatic accounting entries.
For businessesPaymentsPliant
Pliant builds a credit card platform for businesses, with payment apps and spending limits. Banks and other companies can use its software connections, called APIs, to offer cards. Private; 2024 revenue ~$24M.
Built for: European companies with high monthly card spend that want credit cards, virtual cards and accounting sync in one product.
For businessesCard issuerStatrys
Statrys serves small companies in Hong Kong and Singapore as a business account and payments provider. It offers multi-currency accounts, international transfers, and FX, along with company formation and accounting services. Private; $5M raised.
Built for: Small trading and services companies set up in Hong Kong or Singapore.
Holds client moneyPaymentsFor businessesCountingup
UK business current account with bookkeeping, invoicing and tax estimates in the app. Private; more than 100,000 small-business users.
Built for: UK sole traders and small limited companies that keep their own books.
For businessesSpendesk
Spendesk is a Paris spend management platform that gives finance teams in Europe corporate cards, expense claims, invoice payments, and procurement workflows on one system.
Built for: European mid-market finance teams that want cards, expenses, and invoices in one platform.
For businessesPaymentsVolopay
Volopay is a Singapore spend management platform that gives businesses in Asia Pacific corporate cards, a multi-currency business account, bill payments, and expense automation.
Built for: Asia Pacific businesses that want cards, a multi-currency account, and bill payments in one platform.
For businessesPaymentsJeeves
Jeeves is a stablecoin-native banking and spend management platform that gives companies operating in several countries corporate cards, cross-border payments, accounts, and payables software.
Built for: Multinational finance teams that want cards and cross-border payments, especially in Latin America.
For businessesPaymentsProcurify
Procurify is a Vancouver procurement and spend management platform that takes purchase requests, approvals, purchase orders, bills, and expenses through one workflow for mid-market organizations.
Built for: Mid-market finance and operations teams that want purchase approvals and bills in one system.
For businessesTreasury Prime
Treasury Prime is a San Francisco banking-as-a-service company that connects fintechs to community and regional banks for accounts and money movement.
Built for: Fintechs that want deposit accounts and money movement through a network of sponsor banks.
For businessesFor banksWeavr
Weavr is a London embedded finance provider that lets B2B software companies offer business accounts and cards in their own apps without a financial license.
Built for: UK and EU B2B software platforms that want to embed business accounts and cards without a license of their own.
For businessesCard issuerPaymentsSpenda
Spenda is a business payments platform where companies can earn rewards on supplier bill payments, get credit to pay supplier invoices, and quote, schedule, and bill jobs.
Built for: Australian SMEs and franchise networks that want accounts payable and receivable software tied to payments.
PaymentsFor businessesPublic companyCriteria for this sector
Four criteria measure buyer needs in this sector. The other four remain identical from sector to sector and cover the vendor and its commercial terms.
| Accounts and payments Sector criteria | International transfers, payment rails and account features. |
|---|---|
| Cards and spend controls Sector criteria | Expense capture, approvals, limits and corporate cards. |
| Treasury and yield Sector criteria | Idle cash choices, deposit protection and how clear the disclosure of both is. |
| Accounting integrations Sector criteria | Sync to accounting systems and ERP. |
| Product depth and roadmap Vendor criteria | Coverage of the job by the product, and how active development is. |
| Onboarding and support Vendor criteria | Implementation aid, documentation and support channels offered by the company. |
| Pricing transparency Vendor criteria | How much pricing a buyer can view before any sales conversation. |
| Contract terms Vendor criteria | Exit terms, minimums and commitments, to the extent the company publishes them. |
Reports on this sector
Fintech Compliance Cost Statistics: 2026 Report
This report surveyed 286 U.S. fintech companies on compliance spend and shares our breakdown of cost by company size, segment, spending category, year-over-year growth, and cost per customer.