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Both personal and businesses based in the UK and EU can open accounts with Frontier Pay.
You can apply online via our website www.frontier-pay.com and submitting the required documents. The process is self explanatory and most personal and business accounts are activated within 48 hours (Ts & Cs may apply).
Visit our website www.frontier-pay.com Personal Account section to apply. You'll need to verify your identity, and your account will typically be active within 24–48 hours.
No. Frontier Pay is not a Bank. Frontier Pay is an Authorised EMI (Electronic Money Institution) institution, authorised and regulated by the Financial Conduct Authority(FCA) in the UK. We provide bank-like service but we are not a traditional bank.
We support a wide range of businesses. Approval is subject to industry type, jurisdiction, satisfactory due diligence and verification.
If your business needs fast onboarding, multi-currency accounts (24 hold currencies), competitive FX, and International payments, then we can be your service provider. Our flexible, transparent approach is designed to scale with you
Yes bulk uploads and automated recurring payments are fully supported via our platform.
Yes, You Can Open Multiple Accounts From the official Business Accounts page:
Frontier Pay allows you to open multiple accounts tailored for different bookkeeping needs or client fund management. Each account can be managed separately with its own details, yet remain under one consolidated system.
To sign up, visit frontier-pay.com and click “Sign Up” on the top right. Choose between a personal or business account, then follow the on-screen registration steps
You’ll typically need:
A valid government-issued ID (passport or driver’s license).
Proof of address (utility bill or bank statement, dated within 3 months).
Personal information (name, email, phone, date of birth).
For business accounts, information may vary depending on the type of your industry. You will be guided by our dedicated onboarding team for the required documents and assist with the onboarding process.
Frontier-Pay aims to open your account within 48 hours of completing the registration and identity verification process. In some cases, it may take longer if additional checks are required.
Frontier-Pay offers:
Personal accounts – for individuals to manage everyday finances.
Business accounts – tailored for companies, freelancers, and sole traders. Each account type has different features and requirements
Our fees are not one size fits all. It varies and depends on the type of your business industry. We typically charge an onboarding and a monthly fee for businesses. There is no onboarding fee for personal accounts. For more information on fees please contact us directly.
All outgoing payments can be made via our sophisticated online payment Portal. Our online Portal can be accessed via Web or mobile App. Simply go to the “Payments” or “Transfers” section, enter the recipient details, amount, and currency, then confirm the transaction.
Frontier Pay supports, domestic and international transfers. BACS, Chaps, and Faster Payments in the UK. SEPA instant and TARGET2 in the EU and international payments via SWIFT and other avilable local payment rails.
Yes. Business users can schedule recurring or future-dated payments through the platform’s payment scheduling feature.
Yes, but these limits are dependent upon:
- Account type (personal vs business).
- Currency and jurisdiction.
All limits are subject to review and can be amended by appropriate approvals.
Domestic transfers are typically made same day. Internal Payments may take up to 5 working days. (Ts & Cs apply)
Frontier Pay has access to 120+ global currencies for International payments. You can also hold balances in multiple currencies. Please contact us for more information.
Yes, you can send international payments. FX conversion fees are applied and communicated to you in advance of booking a trade. Typically FX fees are agreed with you at the time of onboarding or at the time of booking trades. Our FX rates are competitive and sometimes even better then the high street Banks.
Yes. Frontier Pay allows users (especially businesses) to hold multiple sub-accounts in different currencies and pay directly from them, avoiding conversion costs.
Yes, business account users can upload CSV files or use bulk payment options to multiple recipients instantly.
Check for typos in the recipient detail or it could be due to insufficient funds in the account. If the problem persist, contact Frontier Pay support for resolution and transaction tracking.
Frontier Pay uses:
-Two-factor authentication (2FA)
-End-to-end encryption
-Account monitoring for unusual activity
-User permissions for staff roles
You can order expense cards through your Frontier Pay business dashboard. Simply go to the “Cards” section, select “Order New Card”, choose either a physical or virtual format, and assign it to a user or department.
Frontier Pay offers both virtual and physical expense cards. Virtual cards are issued instantly and can be used online, while physical cards are mailed to the registered user.
Card activation is done through your account dashboard. You’ll be prompted to enter the last 4 digits of the card, expiration date, and CVV to activate.
Yes. During setup, you can assign each card to a specific team member or label it for a department/project for internal tracking.
Most business plans allow for unlimited cards, though some pricing tiers may limit the number of active users or physical card orders per month.
You can define spending limits per card within the dashboard by navigating to Card Settings > Limits, where you can assign rules by amount or frequency.
Yes. Expense cards are enabled for international use. For further information please speak to your account Manager.
The transaction will be declined unless your settings allow overdraft or are linked to a pooled balance. Virtual cards are usually prepaid, so overspending isn't possible.
Yes you can link each card to a specific currency wallet or sub-account.
Immediately freeze or block the card via your dashboard and issue a replacement. You can also report it to Frontier Pay support for fraud investigation.
Yes. Cards come with automated fraud detection, unusual activity alerts, and may include coverage depending on your plan or issuing partner.
Yes. Through BIN sponsorship, Frontier Pay allows businesses to launch white-labeled card programs with their branding and control
Yes. Frontier Pay (or its partners) offers BIN sponsorship, giving you access to the payment rails (Visa/Mastercard) without needing your own license.
Yes, depending on regulatory compliance and the issuing partner’s licenses. You may be able to issue across the UK, EU, or other supported regions.
To launch your own branded cards, you usually need:
-A registered business
-KYC/AML compliance procedures
-A commercial use case (e.g., payroll, gig economy, cashback, etc.)
-Volume or revenue expectations (minimums may apply)
Frontier Pay offers multiple partnership models:
-Referral partnerships (passive income from introductions).
-White-label partnerships (offer services under your brand).
-Strategic/API partnerships (integrated financial experiences).
-BIN sponsorship & issuing partnerships (for fintech card programs).
Organisations that handle client funds or offer financial or professional services such as:
-Payroll companies.
-Accountants and consultants.
-Trade and migration firms.
-Financial institutions.
-Technology platforms.
-Sports and talent management agencies.
and many more.
Enhance your service offering with access to FX, global payments, and accounts.
Add a revenue stream through commissions or markups. Increase client loyalty with reliable financial tools.
Receive dedicated support from Frontier’s partnership team.
Visit the partnerships page get details and Contact Us. A dedicated team member will review your use case and contact you to discuss options
Yes. Frontier Pay allows partners to provide business accounts, personal accounts, and multi-currency Accounts depending on client needs.
Yes. You can refer clients to Frontier Pay and earn recurring commission based on their usage and transactions.
Yes. Frontier Pay provides reporting tools or access to a dashboard to monitor client activity, onboarding status, and earnings.
Yes. Approved partners can offer branded solutions using Frontier Pay’s infrastructure, including:
-Co-branded portals.
-API integrations.
-Control the client relationship.
-Use your own branding.
-Offer seamless financial tools.
-Generate additional revenue streams.
Requirements typically include:
-Compliance screening.
-Projected client volumes.
-Branding assets.
-Integration or onboarding resources.
Yes. With BIN sponsorship, you can launch your own virtual or physical card program, including corporate and employee cards.
BIN sponsorship allows you to issue cards under Frontier Pay’s regulatory license and BIN range, avoiding the need for your own issuing license.
Yes. Card issuing partners can provide fully branded cards, including cardholder names, design elements, and packaging
Yes. Frontier Pay offers APIs for:
-Account opening.
-Payments.
-FX conversion.
-Card issuance and controls.
-Compliance and reporting.
Yes. You can use KYC/KYB onboarding APIs to streamline new client registration, document uploads, and approvals.
Yes. Strategic and white-label partners are assigned a dedicated account manager for ongoing support and success planning.
