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Perfect for the company formation process, you can quickly open a temporary business account, deposit the required capital and complete the registration process.Open a temporary account
Helping you start your startup
You need a business account to register your company. A temporary account with FINCI is the fast way to get this, without going through the full verification process.
Once your account is opened, and you have transferred the required share capital, you’ll receive our signed reference letter. You can then complete the company registration process and get on with business.
Easily upgrade to full business account
Once your company is formed, it’s easy to upgrade to a full business account. You’ll then get access to our suite of payments services, including instant cross border payments. With a dedicated account manager, supported by our team of payments and compliance experts, we’ll help you trade efficiently with the world.
Open a temporary business account in few steps.
Download the FINCI app.
First, you’ll need a personal account. Download the app and follow the instructions. It only takes a few minutes.
Apply for a temporary account.
Download, complete and e-sign this application form . We’ll also ask you for other important documents (such as your company foundation agreement).
Send us the documents.
Login to your personal account via our online bank and send us the application form and supporting documents using the messaging centre.
Pay the account opening fee.
You can pay the account opening fee (see our price list here) in one of two ways. By requesting an invoice, or by agreeing to the fee being deducted from the new account.
Get your new account.
You will be notified when your new temporary account is open (usually within 1-2 business days) via online and in-app messaging. Login to view your new account details.
Transfer the initial capital.
You can now transfer the required share capital. After this initial transfer is received, we will send you a signed reference letter, so you can complete the company registration process.
Common Questions Common Questions
What is the purpose of a FINCI temporary account?
In which countries can I open a temporary account?
How much does it cost to open a temporary business account?
How quickly can I open a temporary account?
How do I convert a temporary account into a full business one?
Why do I have to deposit funds into the temporary account?
Can funds from investors, shareholders, be held in a temporary account during company formation?
Is a temporary account the same as a permanent business account?
More FINCI business services
Multi-currency business account.
Easily trade with the world with a multi-currency business account. Transact in GBP, PLN, USD and EUR from one dashboard to avoid painful conversion fees, improve cash flow and make global trade more efficient.Learn more
FINCI Debit Cards.
We offer a range of Mastercard-powered physical and digital debit cards when you open any FINCI account. Quickly connect to Apple and Google Pay for fast and secure payments. And easily manage your cards from within the Android or iOS app.Learn more
Connect to Apple Pay.
Whatever you need to pay for – whether that’s your taxi, your coffee, or your food delivery – you can do so in seconds without thinking. Apple Pay is the fast, easy and secure way to pay for goods and services online and in real life.Learn more
Connect to Google Pay.
Leave your wallet at home and pay with Google Pay. It’s the fast, easy and secure way to pay in-apps, on websites, and wherever they accept contactless payments. Just grab your phone and go. Add your digital debit card and start using it immediately.Learn more
Android and iOS mobile app.
With the FINCI mobile app available to Android and iOS users you can quickly manage your money and get on with your day. Send money to friends, pay bills, track spending, and freeze cards all with a few taps.Learn more
SEPA European payments.
With SEPA you can securely transfer large sums across 36 European countries. And with SEPA Instant you can do that in just 10 seconds. You’ll do business faster and ensure you pay suppliers and partners on time, every time.Learn more