Business accounts from first invoice to multi-entity ops
Separate company money from personal flows, assign role-based controls, and move funds through documented transfer corridors with audit-friendly histories.
Built for startups and operating companies
Whether you are incorporating your first entity or running established payables, RoyaleDirect business banking emphasizes identity of the company, clarity of beneficial ownership, and controllable user permissions.
Early-stage
Founder-led companies with simple ownership, modest volumes, and a need for clean separation from personal accounts.
Growing SMEs
Multiple users, supplier payouts, payroll partners, and higher monthly velocity with staged limit increases.
Established firms
Richer permission matrices, multi-currency payables, and tighter change-management around beneficiaries.
Transfers and treasury hygiene
- Domestic and cross-border transfers subject to KYB status and corridor enablement.
- Batch payment uploads where the package allows, with maker-checker approval.
- Beneficiary whitelists and cooling-off periods for new payees.
- Exportable statements for accounting systems.
Personal accounts must not be used as a substitute for business rails. Commingling invites enhanced review.
Controls that match how companies actually work
Roles
- Owner / admin
- Finance operator
- Read-only auditor
- Cardholder-only (where cards exist)
Policies
- Dual approval above thresholds
- IP and device session policies
- Spend category rules on business cards
- Mandatory 2FA for all privileged users
Onboarding realities
Expect company registry extracts, beneficial ownership declarations, directors’ IDs, and a description of business model and expected counterparties. High-risk sectors face additional scrutiny or may be declined under institutional banking practice.
Frequently asked questions
Can a sole proprietor open a business account?
Where product rules allow, yes—with documentation that matches your legal form. Otherwise use personal with clear activity limits.
How long does KYB take?
Simple structures may clear in several business days; complex ownership or regulated industries take longer.
Do you support payroll?
You can pay payroll providers or employees via supported rails. Native payroll calculation is not assumed.
Can contractors receive USD and EUR?
Corridor availability depends on verification and jurisdiction. Confirm in-product after approval.
What are maker-checker flows?
One user creates a payment; another authorized user approves before release—reducing single-person fraud risk.
Are business cards included?
Card eligibility is package-specific and follows additional checks after account opening.
Can I link accounting software?
Statement export and, where integrated, API or file-based connectors may be available. Confirm current integrations in Help.
What if ownership changes?
Notify us promptly. Material ownership changes can pause certain features until diligence updates complete.
Do you bank all industries?
No. Restricted and prohibited lists apply. Ask before applying if your sector is sensitive.
How are fees structured?
See Fees for illustrative tables. Live business schedules appear after package selection.
Is multi-entity supported?
Separate applications per legal entity are typical. Cross-entity visibility is not automatic.
Open a business relationship
Prepare registry documents and ownership details before you begin. Availability depends on verification and applicable rules.
Open account Talk to support