Virtual in seconds
Create online-only cards for ads, SaaS and travel bookings.
ONEO Business
Business treasury, one ONEO
Open multi-currency accounts, issue company cards, run expenses and payroll, accept payments, and move money globally — with finance-grade controls in the same ONEO app your team already opens every day. Terms apply.
36+Currencies in one business ledger
170+Countries to spend & receive
RolesAdmin · spender · viewer controls
24/7Freeze, limits & in-app help
Essentials
Multi-currency business accounts
Collect revenue in the currencies your customers actually pay. Hold USD, EUR, GBP, SGD, HKD and more in one treasury view — with local account details where available across Switzerland HQ, US, UK and EU corridors.
Finance leaders stop juggling five bank logins. Operators see balances, FX and cashflow without leaving ONEO Business.
Local account details and corridors depend on company verification and partner availability.
Payments
Move money like a local
Pay suppliers, contractors and group companies with local rails where supported — plus SWIFT when you need it. Approvals sit on the large outbound payments finance cares about.
Send via SEPA, ACH, Faster Payments-style and ASEAN local rails where ONEO partners support them. Live tracking keeps ops and finance aligned.
Upload supplier or contractor lists, set schedules, and require dual control before funds leave the company account — built for payroll weeks and month-end pay runs.
Convert at transparent rates before you pay abroad. Need certainty on a future invoice? Explore FX Forwards when your verification tier unlocks them.
Spend management
Company cards your finance team can finally trust
Issue physical and virtual ONEO Business Mastercard cards with the ONEO logo on face. Set per-person limits, merchant locks, and receipt capture — so growth does not mean spreadsheet chaos.
Freeze anywhere
Lost card? Admins freeze from mobile in seconds.
Policy that sticks
Caps reset on schedule. Exceptions need approval.
Expense-ready
Receipts flow into Expenses for month-end close.
Merchant
Accept payments your way
Online checkout, payment links, in-person acceptance and invoices — settle into your ONEO Business account with clear fees and reconciliation tools.
Take card and local payments on your site or via shareable links. Refunds and settlement states stay visible to ops.
Tap to pay and store acceptance where supported — with staff-level access so cashiers never need full treasury rights.
Send branded invoices with payment tracking. Customers pay without hunting for bank details.
People & payroll
Pay teams locally and across borders
ONEO Payroll schedules salaries, contractor batches and multi-currency payouts. People and HR workflows keep access rights and onboarding tied to how money actually moves.
ONEO Payroll
Approvals before funds leave. Schedules that match payday.
Payroll →
Global hiring
Support distributed teammates with local currency pay-outs.
Global hiring →
People and HR
Invite, assign card limits, ready for payroll day.
People & HR →Treasury
Idle cash, FX and optional crypto — with eyes open
Separate operating capital from reserves in Business savings pots. Convert for payables. Where permitted, explore crypto under company controls — with clear risk acknowledgements.
Rates, forwards and crypto availability vary by market and verification. Capital at risk.
Platform
Analytics, API, integrations, security
Board-ready spend and cashflow views. Business API and webhooks for product teams. Connectors for accounting and commerce. Role-based access, freeze and AML-ready company verification — because business money needs stronger rails.
Analytics
Spend by team, merchant, currency.
API
Automate payouts and balance sync.
Integrations
Books, ERP and commerce stacks.
Controls
Admin / spender / viewer roles.
“We stopped paying five banking apps just to see one cash position. ONEO Business is where our SGD, USD and EUR actually live.” — Finance lead, ASEAN SaaS · illustrative
Get started
Open ONEO Business in three steps
01
Verify your company
Submit company documents and beneficial owner checks. Switzerland-headquartered platforms with partner licence rails handle the banking layer.
02
Invite your team
Add admins, spenders and viewers. Issue cards, set limits, and connect Expenses or Payroll when you are ready.
03
Operate globally
Collect, pay, convert and control — from Switzerland HQ, US travellers, UK entities or ASEAN exporters — in one ONEO Business profile.
Explore
All Business products
Multi-currency accounts →
Transfers →
Exchange →
FX Forwards →
Accept payments →
Online payments →
In-person stores →
Company cards →
Expenses →
Invoices →
ONEO Books →
ONEO Payroll →
Business savings →
Business crypto →
Analytics →
Business API →
Integrations →
Security & controls →
People and HR →
Point of sale →
Global hiring →
Business pricing →
Customer help →
Customers →
Guides →
ONEO · Business money in one app
Choose a Business plan
Scale allowances, approvals and API depth as you grow
ONEO Business is offered by ONEO Bank Pte. Ltd., a Switzerland-headquartered fintech platform. Licensed banking, e-money and payment services are provided by partner institutions. Features, corridors, merchant acceptance, FX Forwards and crypto vary by country and company verification tier.
Customer funds follow partner segregation arrangements. Marketing figures are illustrative. FX, investments and cryptoassets (where offered) can lose value. Read Business Terms and risk disclosures before opening an account.