We keep money flowing

So that digital businesses can focus on what matters most - growing their revenue

We make money management easy.
That’s what you get with us

Adaptive payment solutions, built for your needs

Adaptive payment solutions, built for your needs

Fast, secure, and scalable payment processing, tailored to your business needs. Accept and send payments effortlessly across markets

Smart banking services, designed for your rhythm

Smart banking services, designed for your rhythm

Modern financial infrastructure with multi-currency accounts, instant transfers, and seamless banking integrations

The xpate way to make it happen

Customers come first, always

Designed for simplicity and easy onboarding, our platform works for you. No matter how complex your business is, we turn your vision into reality

Simple, secure, scalable. All-in-one

We turn money management from complex to easy. Focus on growing your business with a simple, secure, and scalable solution—let us handle the rest

Fast speed, full access, anytime

Pay, get paid, and access funds—all in one place, ready when you are. Powered by innovative tools, strong partnerships, and robust financial infrastructure

Licensed and compliant

EU

SIA xpate holds an electronic money institution operating licence by the Bank of Latvia (Licence number 27-55/2023/7)

UK

xpate Ltd is authorised by
the Financial Conduct Authority (Reference number: 901021)

Led by a team
you can count on

Born in the heart of the Baltics, Riga, xpate is a fearless team of industry experts, operating since 2019 with offices in Latvia and the UK

Build trust
with a secure and
compliant partner

150+

currency types

1 billion

processed transactions

200+

countries connected via SEPA and SWIFT cross-border payments

24/7

dedicated support and customer success service

150 million

retail consumers served

Choose your path

For Business

Open an account in one day with simple payments integration and transparent pricing

Explore →

For Business

Open an account in one day with simple payments integration and transparent pricing

Explore →

For Business

Open an account in one day with simple payments integration and transparent pricing

Explore →

For Regulated industries

Industry-specific payment & banking* services, pay-ins & payouts, IC++ & custom pricing

Explore →

For Regulated industries

Industry-specific payment & banking* services, pay-ins & payouts, IC++ & custom pricing

Explore →

For Regulated industries

Industry-specific payment & banking* services, pay-ins & payouts, IC++ & custom pricing

Explore →

For Fintechs

Custom-built acquiring & banking* rails with no hidden costs or onboarding fees

Explore →

For Fintechs

Custom-built acquiring & banking* rails with no hidden costs or onboarding fees

Explore →

For Fintechs

Custom-built acquiring & banking* rails with no hidden costs or onboarding fees

Explore →

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For Business

For Regulated industries

For Fintech

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© Copyright xpate 2025. All right reserved.

*Not a bank, just doing all the cool stuff banks do—without the boring branches, confusing fees, or stuffy suits. You're welcome.

*Not a bank, just doing all the cool stuff banks do—without the boring branches, confusing fees, or stuffy suits. You're welcome.

UK: In the United Kingdom, services are provided by xpate Ltd, a company incorporated in England and Wales (registered number: 11920779), with an office at Level 18 40 Bank Street, Canary Wharf, London, England, E14 5NR. xpate is authorised by the Financial Conduct Authority (Reference number: 901021) to issue electronic money (e-money) and provide payment services. EEA: In the European Economic Area, services are provided by xpate SIA, which is incorporated in Latvia (registered number: 40203411426) with an office at Dzirnavu Street 42, Riga LV-1010, Latvia. xpate SIA has an electronic money institution operating licence issued by Latvijas Banka (Licence number 27-55/2023/7) to issue electronic money and provide several payment services.You may contact us via e-mail at wecare@xpate.com.