Meet our team
Tell us about your business. We'll show you exactly how Railor can be structured around your needs – no generic demos, no sales scripts.
Your payments on the right track, always
Multi-currency accounts for SEPA/SWIFT, embedded FX, debit cards, and a dedicated manager who actually picks up the phone.
Premium support
Dedicated account manager from
day one. You get a partner, not
a ticket number.
Tailored solutions
No one-size-fits-all. We access
your business and build a solution
that you need.
Fast onboarding
A real person guides you through
every step. No automated emails,
no documentation black holes.
Solutions
Receive, Pay, Convert, Spend
One account that handles every direction your money needs to move – across borders, currencies and time zones. No switching between providers, no chasing your account manager.
Receive payments from anywhere – like a local
Offer your clients and partners dedicated account details in EUR, USD, GBP and 140 more currencies.
- Get a dedicated or aggregated IBAN
- Access SEPA, SWIFT and local APMs
- Support businesses and individuals: UBOs, employees
Move money across borders without the friction
Access 180 countries with enhanced payments infrastructure, and grow your business worldwide.
- SEPA/SWIFT, local rails, alternative payment methods for your international business
- Local rails in UK
- Alternative Payment Methods to cover each payment you need
Convert currencies at rates that protect your margins
Embedded FX solutions with competitive exchange rates across 140 currencies, supporting transactions of any size.
- Same-day conversion and settlement
- Transparent rates, no hidden fees
- Simple interface under Railor’s platform
Pay everywhere in the worlds, vere VISA is accepted
Issue cards by team, project, or campaign, and track your spending
in a mobile app.
- Available as both physical and virtual cards
- Supports Apple Pay and Google Pay
- Fully managed through a mobile app
Need crypto on/off ramp?
Convert fiat to crypto and vice versa through our vetted partner network.
- Get an access to a variety of cryptocurrencies
- Convert crypto to any of 140 currencies – fast, direct, no intermediaries
- Pay fiat invoices and bills using your crypto funds
Sweetspot for business working global
Legacy banks don’t understand your business. Other fintechs onboard you — then leave you with a chatbot. Railor brings the infrastructure of a licensed EMI with the service level of a private bank.
| Features |
|
Legacy banks | Average fintechs |
|---|---|---|---|
| Account opening | Days | Weeks of paperwork | Weeks |
| Dedicated account manager | Always | First tier only | Rarely |
| Supported currencies | 140 | Limited | Limited |
| Payment Rails available | SEPA, SWIFT, CHAPS, local APMs, and more | SEPA, SWIFT only | Limited |
| Complex business acceptance | Yes | No | Rarely |
| Card issuance | Yes | Yes | Sometimes |
| High volume transactions | Able | Proceed with additional checks | Not able |
| Ability to build tailored solution for complex business structure | By design | Not interested | Lack of expertise |
1 / 4
Open in days. Move money in 140 currencies. A real person on the phone – from day one.
Your account, built around you. Ready in days
We don't chase easy wins. Railor exists for businesses that operate at scale, cross borders, and demand more than a standard account can offer.
Submit your profile
Complete a short questionnaire and provide your documents. Our team handles the rest and keeps you informed at every step until your account is approved.
Start transacting
Send and receive globally, convert currencies at real rates, and manage everything from one place – with a dedicated account manager in your corner from day one.
Security
Regulated by Bank of Lithuania
Railor is a licensed Electronic Money Institution, authorised and supervised by the Bank of Lithuania. Our EMI licence is passported across all 30 EEA countries – meaning your account operates under the same regulatory framework as any EU-licensed financial institution.
FAQ
Answers to common questions
Everything you need to know about our product and services in one place
Railor is the sweet spot between legacy banks and modern fintech: the infrastructure of a licensed EMI with the service level of a private bank – including a dedicated account manager who actually picks up the phone. We know SMB banking inside out – from e-commerce and digital agencies to iGaming and Fintech, we build around how your vertical actually operates.
From 2 to 14 business days, depending on the complexity of your business structure. A real person guides you through every step: no automated emails, no documentation black holes. We’re not live yet, but you can get in line now. Talk to our team and be among the first to onboard at launch.
The brand is new. The licence isn’t. Railor operates under EMI Licence No. 8, issued by the Bank of Lithuania and held continuously since 2017 – publicly verifiable in the official register. Your funds are safeguarded in segregated accounts at licensed credit institutions, protected by EU law, and never mixed with ours.
See how we protect your money.
Your data is used for one thing: running your account. It’s encrypted, stored on AWS infrastructure exclusively within the EEA, and processed GDPR-compliant by design. We never sell, share, or monetise it – not now, not ever.
Full details: Privacy Policy
