What amnis does

amnis is a Zurich-based fintech founded in 2014 that operates a cloud-based multi-currency banking platform for small and medium-sized enterprises and mid-market companies with cross-border payment and treasury needs. The platform is delivered via web and native iOS/Android applications, supporting virtual and local IBAN accounts in 20+ currencies and providing direct access to local payment schemes (SEPA, FPS, ACH, SIC) without requiring clients to open local bank accounts in each jurisdiction. The company reports 5,000+ business customers across Switzerland, continental Europe, the UK, and North America, with named customers spanning eCommerce, SaaS, manufacturing, marine insurance, travel, and language services including Spliethoff, Algrano, Stryve, Charterama, Thürlingua, and Cancom.

amnis's product surface is organized around three core modules — PAY (international payment execution), COLLECT (multi-currency account infrastructure), and EXCHANGE (flat-rate FX trading with spot, forward, and limit orders) — supplemented by multi-currency Mastercard debit cards, expense management, AI-powered accounting automation, peer-to-peer payments, balance cashback, and cash management automations. The platform integrates with PayPal, Stripe, and bexio, and exposes a public API for custom embedded solutions. AI capabilities are positioned as a feature layer focused on receipt capture, transaction categorization, and pre-accounting, with company claims of automating up to 90% of routine financial processes and reducing manual finance work by up to 70%.

Revenue is generated through recurring subscriptions, FX margins, and transaction fees across four plans: a free Starter tier, Launch at €19/month, Essential at €59/month, and Professional at €199/month, with Enterprise on custom multi-year contracts. FX margins are transparent and tiered from 0.4% to 0.2%, and card transactions carry 0% FX fees. The company is supervised by Liechtenstein's FMA and recognized by Switzerland's FINMA, with safeguarded client funds held at tier-1 partner banks. To date, amnis has raised approximately CHF 8.6M in a June 2022 Series A led by Lansdowne Partners, plus a Series B in February 2025 led by Swisscom Ventures with continued participation from Lansdowne Partners.

Name

amnis

Legal name

AMNIS Europe AG

Website

https://amnistreasury.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

amnis is a Swiss fintech providing a cloud-based multi-currency banking platform for SMEs and mid-market businesses, offering international payments, FX exchange, multi-currency accounts, debit cards, and AI-powered expense management across Europe and globally.

Ownership category

akta.pro rank

Product category

Cross-Border Business Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK), Cross-Border & FX Payments Platforms (BPAMAFAK)

Keywords

• Multi-currency business accounts
• International payment processing
• FX exchange services
• Business debit cards
• Expense management software

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription Plans: Three main subscription tiers (Launch, Essential, Professional) plus Enterprise custom pricing. Launch at €19/month includes expense management with up to 60 cards, pre-accounting, local IBANs, 50 local and 1 international payment/month, and FX at mid-rate +0.40%. Essential at €59/month offers up to 300 cards, 250 local + 5 international payments/month, FX at +0.30%, and full API access. Professional at €199/month offers up to 1,500 cards, 1,000 local + 40 international payments/month, FX at +0.20%, and a dedicated account manager. A free Starter plan is also available with limited features.
2. FX Margin Revenue: Revenue generated from currency exchange margins. Transparent flat-rate FX pricing: 0.4% margin in Launch package, 0.2% in Professional package. For international card payments, amnis offers 0% FX and processing fees. Revenue is generated through the spread between interbank rates and offered rates, as well as hedging services.
3. International Payment Fees: Fees for international payments via SWIFT and local payment rails. The Launch plan includes 1 international payment/month; Professional includes 40 international payments/month. Additional international payments beyond plan limits incur fees. Local SEPA and ACH payments are significantly cheaper than SWIFT transfers.
4. Balance Cashback / Interest: Interest earned on safeguarded client funds held in multi-currency accounts. amnis is one of few providers forwarding interest payments on foreign currency accounts, enabling customers to earn interest on EUR, CHF, and other currency balances while maintaining liquidity.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels9 records

Core offering

amnis provides a cloud-based multi-currency business banking platform that lets SMEs and mid-market companies open multi-currency accounts, make international and local payments, exchange currency at flat-rate transparent margins, and issue multi-currency debit cards. The platform also delivers AI-powered expense management and pre-accounting automation, integrates with ERP/accounting tools (bexio, Stripe, PayPal), and exposes an API for embedded finance use cases.

Product overview

amnis is a Swiss-based fintech platform providing an integrated financial ecosystem for international business payments. The platform operates as a unified system comprising three core modules (PAY for international transfers, COLLECT for multi-currency account management, and EXCHANGE for currency trading), supplemented by additional services including Multi-Currency Debit Cards, Expense Management, AI Accounting Automation, Peer-to-Peer payments, Balance Cashback, and Cash Management Automations. The offering also includes an API for custom integrations, mobile apps for iOS and Android, and support for Apple Pay and Google Pay. Solutions are tailored by industry (SaaS, eCommerce, Accounting firms, Manufacturing, Wholesale) and company size (Start-ups, Mid-market, Enterprise), with subscription plans ranging from Launch (€19/month) through Professional (€199/month) to Enterprise (custom pricing).

Differentiator

Problem solved

Functional benefit

Products and services

• PAY (International Payments / Bill Pay) International payment platform enabling accelerated, cost-effective international and domestic payments through local (SEPA, ACH, FPS, SIC) and SWIFT rails, with recurring and bulk payments via Multipay and file upload, and real-time public payment tracking similar to parcel tracking.
• COLLECT (Multi-Currency Business Account) Global business account providing virtual domestic accounts in EUR, CHF, GBP, USD, and CAD for local payment collections, with a multi-currency IBAN supporting 20+ currencies through a single centralized account.
• EXCHANGE (Currency Exchange) Flat-rate, self-service 24/7 currency trading platform supporting spot, forward, and limit order transactions with transparent flat-rate pricing, plus cash management automation for automated FX transactions.
• Multi-Currency Debit Cards Physical and virtual Mastercard multi-currency debit cards for employees with 0% FX fees on card payments, supporting up to 250 physical and 1,250 virtual cards per account, Apple Pay and Google Pay, real-time transaction tracking, spending limits, and spend control by regions or teams.
• API & Embedded Solutions Developer API and embedded finance platform for custom integrations; full read and create API access available on the Essential plan and above, enabling embedded card programs, payment automation, and integration into third-party products.

Quantifiable outcome

• Finance teams can automate up to 90% of routine financial processes
• +5 more outcomes

Named customers7 records

Segments8 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability4 records

Feature8 records

Partnerships

Three partnerships are on record, tiered core.

• Mastercard Start PathcoreGTM or Marketing Partner · 9 October 2025Mastercard Start Path, a global accelerator program, selected amnis into its latest batch. The program provides fintech startups with support for scaling globally through Mastercard's network and ecosystem. Amnis was recognized as one of the fintech participants alongside Arqh and Moozz.
• PayPalcoreTechnology or IntegrationOfficial PayPal integration partner. Amnis allows businesses to receive PayPal payouts directly into their amnis multi-currency wallet in the original transaction currency, preventing forced currency conversion by PayPal and reducing FX fees by 50% or more.
• StripecoreTechnology or IntegrationIntegration with Stripe allowing merchants to add amnis local IBANs (EUR, CHF, US ACH account numbers) as payout accounts directly in the Stripe dashboard. This enables e-commerce businesses to avoid Stripe's exchange rate surcharges and eliminate currency conversion fees for settlement.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Wise: Wise (formerly TransferWise) is the most direct competitor: a global multi-currency account and cross-border payments platform for individuals and businesses, with low FX margins and extensive global payment rails. Both target international SMBs with multi-currency accounts and international payments.
• Revolut Business: Revolut Business offers multi-currency business accounts, expense management, corporate cards, and FX for SMEs and enterprises across Europe. Highly overlapping product set and customer base (international SMBs), with much larger scale and brand recognition.
• Airwallex: Airwallex provides global business accounts, multi-currency wallets, FX, corporate cards, and embedded APIs to SMEs and enterprises worldwide. Closely comparable in product breadth (accounts, cards, payments, FX) and target customer profile.
• Qonto: Qonto is a European SMB business account and expense management platform offering multi-currency accounts, cards, and accounting integrations. Targets a similar SME/Mid-market segment, especially in France, Germany, Italy, and Spain.
• N26 Business: N26 Business offers multi-currency business accounts and Mastercard cards across Europe with a mobile-first experience. Overlaps on European SMB banking, cards, and FX, though lighter on cross-border payment rails and expense automation.
• Pleo: Pleo is a European spend management platform combining business Mastercard cards, expense automation, and accounting integrations for SMBs. Highly comparable on the cards + expense + accounting bundle, though Pleo is less focused on FX and cross-border payments.
• Mercury: Mercury provides multi-currency business accounts, corporate cards, and treasury tools primarily for startups and tech companies. Comparable on cards + accounts + international payments, with a stronger US/tech-startup focus and weaker European presence.
• OFX: OFX provides international payments and FX services to SMBs and enterprises with multi-currency accounts and forward contracts. Directly comparable on FX and cross-border payments, though with a narrower product set (no cards or expense management).

Broad incumbents

• Brex: Brex is a larger US-headquartered corporate card and spend management platform offering global accounts, FX, and AI-powered expense automation for startups through enterprises. Comparable product breadth but at materially larger scale and broader geographic reach.
• Stripe Treasury: Stripe Treasury offers embedded financial accounts (FDIC-insured) integrated with Stripe payments, enabling platforms to embed banking-as-a-service. Comparable on the API/embedded distribution angle and e-commerce/SaaS merchant use case.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/amnis
• Xx.com/amnis_Europe
• Facebookfacebook.com/amniseuropeag

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds4 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about amnis