Global banking,
zero boundaries
Fembills delivers enterprise-grade international banking infrastructure for individuals and businesses. Send, receive, invest and grow wealth across 135 currencies with institutional-level security and transparency.
8 services,
one platform
From international wire transfers to AI-powered investment portfolios, everything you need is built into one unified global banking platform.
International Transfers
Send funds globally in seconds via SWIFT, SEPA and local payment rails. Real exchange rates, zero hidden margins on every transfer.
Send moneyInvestment Accounts
Access global ETFs, bonds, structured products and alternative assets. AI-powered portfolio management with full reporting.
Start investingBusiness Banking
Corporate accounts with dedicated IBANs, bulk payroll processing, API access and dedicated relationship manager support.
Open business accountSecure Vault
Segregated asset custody, cold storage for digital assets and insured deposit protection up to $2M per account.
Learn moreVirtual Debit Cards
Instantly issue USD, EUR and GBP virtual cards. Freeze, unfreeze and set spending limits in real time from your dashboard.
Get your cardFX Exchange
Convert between 135 currencies at interbank rates. Forward contracts and options for businesses managing multi-currency exposure.
Convert currencyFixed Deposits
Earn competitive yields on USD, EUR and GBP deposits. Terms from 30 days to 3 years with early withdrawal options.
View ratesBanking API
Embed full banking capabilities into your product. REST and webhook APIs with sandbox environment, SDKs and comprehensive documentation.
View documentationBuilt for enterprise,
secured for trust
Transfers in Seconds
International wires settle in under 30 seconds via our proprietary payment rails. SEPA instant and SWIFT processing included at no extra cost.
Military-Grade Security
AES-256 encryption, biometric authentication, real-time fraud detection with machine learning and SOC 2 Type II certification across all systems.
Transparent Pricing
No hidden fees, no minimum balances, no account maintenance charges. You see exactly what you pay before every transaction, always.
What our clients say
"Fembills transformed how we manage cross-border payroll for our 400-person team. Multi-currency accounts and instant settlement have saved us over $120,000 annually in FX fees alone."
"As an international investor managing assets across 12 countries, I needed a banking partner who could keep up. Fembills's investment platform and real-time FX tools are genuinely unmatched."
"The API integration took our engineering team less than two days. We have now embedded Fembills payment rails directly into our marketplace and the reliability has been exceptional."
Licensed, regulated
and fully insured
Fembills operates under the strictest international regulatory frameworks so your funds are always protected and your data is always private.
FCA Regulated
Fully authorised and regulated by the Financial Conduct Authority under EMI licence number 900847. Your deposits are protected under FSCS up to £85,000.
ISO 27001 Certified
Independently certified to ISO 27001 and SOC 2 Type II standards. Annual third-party security audits and continuous penetration testing conducted.
Deposit Protection
Client deposits are fully segregated from operational funds and insured up to $2M per account through our institutional insurance partners globally.
Join 2 million clients worldwide
Open your Fembills account in under 5 minutes. No paperwork, no minimum balance, no hidden fees.