What CAB Payments Europe does

CAB Europe B.V. (operating as CAB Europe, trading under the Crown Agents Bank group) is a Dutch Central Bank-authorised private limited company (DNB Register R192360; KvK 88072649) incorporated in 2024 and headquartered at Gustav Mahlerplein 2, Amsterdam. It functions as the European Economic Area-regulated arm of the publicly listed CAB Payments Holdings plc group, delivering cross-border payment solutions to financial institutions, non-bank financial institutions, humanitarian and development organisations, and corporates. Its core offering is a modular suite — Payments, FX, Derivatives, Trade Finance, Guaranteed Deposits, and Structured Solutions — anchored on cross-border payment rails with stringent sanctions checking, advanced compliance frameworks, and robust risk management.

The underlying platform combines direct relationship-management distribution with a publicly documented API, allowing access, connectivity and optimisation for international transactions with a focus on hard-to-reach market payments. The business model is transaction-fee based across FX, Payments, and Other Banking Income streams (including structured solutions, guaranteed deposits, trade finance, and derivatives), with pricing not publicly disclosed and tailored per client and location. Group-level analyst consensus for 2025 estimates £111.3m gross income (£45.5m FX, £28.5m Payments, £37.3m Other Banking Income) and £33.2m adjusted EBITDA (29.8% margin), though these figures pertain to the parent group rather than the Dutch subsidiary on a standalone basis.

CAB Europe is positioned within a broader group structure that includes Crown Agents Bank Ltd (UK-regulated), CAB Americas (New York representative office), and Crown Agents Global Markets Ltd (ADGM-regulated), with CAB functioning as a facilitator for some services. The entity carries ISO 27001 information security certification, Cyber Essentials certification, and B Corp certification, and operates through a multilingual specialist team in Amsterdam providing tailored support across the EEA. Its primary competitive differentiators are its EU-regulated status, its hard-to-reach market payments expertise inherited from the Crown Agents Bank heritage, and its procurement-grade ESG and security credentials.

Name

CAB Payments Europe

Legal name

CAB Europe B.V.

Website

https://cabpaymentseurope.com

Company type

Private

Operating status

Operating

Short description

CAB Europe B.V. is the Dutch Central Bank-authorised EU arm of the Crown Agents Bank group, providing cross-border payments, FX, trade finance, and related financial services to banks, non-bank financial institutions, humanitarian organisations, and corporates across the European Economic Area.

Ownership category

akta.pro rank

Product category

Cross-Border Payments and International Banking Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL)

akta.pro secondary industry

Corporate Travel Payment Orchestration & Routing (Multi-issuer, Multi-rail) (THACAJAD)

Keywords

• Cross-border payments
• Foreign exchange services
• Trade finance solutions
• International payment processing
• Banking compliance services

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. FX Services: Foreign exchange services generating revenue through currency conversion and trading activities. Analyst consensus estimates FX revenue of £45.5m for 2025.
2. Payments Services: Cross-border payment processing services. Analyst consensus estimates Payments revenue of £28.5m for 2025.
3. Other Banking Income: Includes structured solutions, guaranteed deposits, trade finance, and derivatives. Analyst consensus estimates £37.3m for 2025.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

CAB Europe B.V. is a regulated payment institution providing cross-border payment solutions, foreign exchange (FX) services, trade finance, FX derivatives, guaranteed deposits, and structured financial solutions from its Amsterdam hub. The company delivers secure, efficient, and transparent international payment services with a focus on hard-to-reach market payments, serving financial institutions, non-bank financial institutions, global impact organisations, and corporates across the European Economic Area.

Product overview

CAB Europe operates as a platform offering multiple interconnected financial products and services focused on cross-border payments. The core offering consists of a modular suite of solutions: Payments (the primary cross-border payment rail), FX (currency exchange services), Derivatives (risk management tools), Trade Finance, Guaranteed Deposits, and Structured Solutions. These products work together to provide clients with access, connectivity, and optimization for international payment needs, serving financial institutions, global impact organisations, and corporates across the European economic area.

Differentiator

Problem solved

Functional benefit

Products and services

• Payments Cross-border payment solutions providing seamless access to the Eurozone and beyond, with a focus on secure, efficient, and transparent international transfers. Designed for financial institutions, non-bank financial institutions, humanitarian organisations, and corporates requiring international payment processing.
• FX (Foreign Exchange) Foreign exchange services enabling clients to manage currency risk and execute cross-border payment transactions with transparent pricing. Supports multi-currency management for institutional clients across the European Economic Area.
• Derivatives FX derivatives products to help clients manage currency exposure and hedge against market volatility in cross-border transactions. Targeted at corporate and institutional clients with international currency risk.
• Trade Finance Trade finance solutions facilitating international trade transactions with robust compliance frameworks and risk management. Supports corporates engaged in cross-border trade activities.
• Guaranteed Deposits Deposit products with guaranteed returns, providing secure investment options for clients across the Eurozone and beyond. Available to institutional and corporate clients.
• Structured Solutions Customized structured financial solutions designed to address complex cross-border payment needs for financial institutions and corporates. Provides tailored arrangements for sophisticated payment and treasury requirements.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Crown Agents Bank Ltd (CAB)coreOthersCAB Europe B.V. is an EU-regulated entity separate to Crown Agents Bank Ltd and uses CAB as a facilitator for some services. CAB Europe operates under the Crown Agents Bank group structure.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Wise plc: Direct peer offering cross-border B2B and consumer payment services with FX conversion. Both target international payment corridors with a focus on transparency and cost efficiency, though Wise is far larger and consumer-led.
• OFX (formerly OzForex): Direct peer providing cross-border payments and FX services to businesses, financial institutions, and consumers globally. Both compete on international payment rails with multi-currency capabilities and corporate FX hedging.
• MoneyGram International: Direct peer in cross-border money movement, with similar institutional and consumer remittance focus. Comparable in serving hard-to-reach corridors and emerging markets where traditional correspondent banking is weak.
• Western Union Business Solutions: Direct peer in B2B cross-border payments and FX risk management. Both offer international payment services to corporates and financial institutions with comparable multi-currency payment orchestration.
• WorldRemit: Direct peer in cross-border payment services with focus on hard-to-reach markets. Both serve institutional and individual clients sending money to emerging markets where infrastructure is challenging.

Emerging players

• dLocal: Emerging player specializing in payments to emerging markets, with cross-border B2B capabilities. Comparable in serving global merchants and platforms wanting to reach difficult jurisdictions, though dLocal focuses on card payment processing.
• Currencycloud (Visa): Emerging player providing cross-border payments infrastructure as a service, owned by Visa. Comparable in enabling B2B cross-border payment flows with multi-currency capabilities, though operates more as a B2B2C API layer.
• Remitly Global: Emerging player in cross-border remittances with focus on emerging markets. Comparable corridor coverage and hard-to-reach market focus, but Remitly is primarily consumer-facing and digital-native.

Broad incumbents

• Crown Agents Bank (parent group): Parent company offering the same product suite (FX, payments, trade finance, deposits) from the UK-regulated entity. Same management, infrastructure, and client base, but CAB Europe provides EU regulatory access.

Others

• Tempus AI (formerly Tempus Novo): Adjacent FX and payments infrastructure provider with cross-border capabilities for institutional clients. Related in providing FX and international payment services to financial institutions, though focused on different technology layer.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 CAB Payments Europe