Accounts
Business accounts for European companies and sole proprietors
Business accounts for entrepreneurs
A digital platform providing you with access to B4B Payments products
Excellent
A product that aligns with your needs
Cards
Get prepaid Mastercard cards for clients with a B4B Payments account to pay in-store or online
Forex
Exchange and pay in 36 currencies in a few clicks, with low fees
Payments
Send and receive payments via SEPA, SWIFT and local payment systems
Apply for a business account online with just a few documents
You're changing the world — we're with you
-
Any problem solved
Through live-chat, email, or by phone. No queues. Save time with Zento.
Hello! How long would it take to sign me up?
Hello! 😊
The application process, review and account activation usually takes up to 5 business days* 🙌 -
We protect your business
All operations and data are protected by two-factor authentication. Security policies are always updated to the latest high industry standards.
-
Trust and transparency
Entrepreneurs trust us for our transparent pricing model. No hidden fees applied.
Please note that the speed of the application process depends on whether the due diligence information has been provided to the satisfaction of our Partner, a regulated financial institution providing financial services to you.
Every solution your business needs
Open and manage accounts
Manage your finances with ease through Zento's Platform. Enjoy European business accounts: low fees, fast and reliable transactions at your fingertips. Accounts are opened and payment services are provided by B4B Payments.
Virtual and physical cards
Stay secure while spending with prepaid Mastercard cards. With low load fees and advanced authentication through the Zento app, you can pay confidently in-store and online.
Control your payments
Send money your way - fast, safe and secure. B4B Payments supports SEPA, SWIFT and local payments, so you can move funds quickly and in any currency.
Exchange
Get more for your money with Zento’s competitive exchange rates, supporting a wide range of currencies for global business.
Accounting system
Simplify your bookkeeping through seamless integration with local accounting systems like e-conomic and Kontolink, plus easy data export for total convenience.
Pay tax in one-click
Save time and avoid mistakes with preconfigured government entities and accounts for tax payments
Multi-user
Invite team members to manage your company’s finances or connect multiple companies under a single user account — perfect for business owners working with a team or juggling multiple ventures.
Available on all platforms
User friendly interface and convenient applications at your fingertips. We constantly work to improve your experience and keep you ahead of the curve.
For businesses of any size
Zento believes in financial inclusivity. Whether you are a start-up or a long standing venture, we are here to help you achieve your goals.
Spain
Denmark
United Kingdom
FLEX
Most Popular
For growing businesses with medium transaction volumes
399 DKK /month
- x 1 Account in DKK, EUR, GBP*
- x 1 Virtual prepaid Mastercard
- x 1 Physical prepaid Mastercard
- Sign-up Fee 999 DKK
- Incoming payments 0.2%
- Outgoing payments
Prices for local Danish account 10 DKK - Currency exchange 1%
- Card load 1%
FLEX
Most Popular
For growing businesses with medium transaction volumes
£ 49 /month
- x 1 Account in GBP, EUR, DKK*
- x 1 Virtual prepaid Mastercard
- x 1 Physical prepaid Mastercard
- Sign-up Fee £115
- Incoming payments £0.5 + 0.2%
- Faster payments
Prices for GBP account usage £0.5 - Currency exchange 1%
- Card load 1%
FLEX
Most Popular
For growing businesses with medium transaction volumes
€ 9.99 /month
- x 1 Account in EUR, GBP, DKK*
- x 1 Virtual prepaid Mastercard
- x 1 Physical prepaid Mastercard
- Sign-up Fee €99
- Incoming payments SEPA 0.2%
- Outgoing payment SEPA €2
- Currency exchange 0.49%
- Card load 1%
FLEX
Most Popular
For growing businesses with medium transaction volumes
399 DKK /month
- x 1 Account in DKK, EUR, GBP*
- x 1 Virtual prepaid Mastercard
- x 1 Physical prepaid Mastercard
- Sign-up Fee 999 DKK
- Incoming payments 0.2%
- Outgoing payments
Prices for local Danish account 10 DKK - Currency exchange 1%
- Card load 1%
FLEX
Most Popular
For growing businesses with medium transaction volumes
£ 49 /month
- x 1 Account in GBP, EUR, DKK*
- x 1 Virtual prepaid Mastercard
- x 1 Physical prepaid Mastercard
- Sign-up Fee £115
- Incoming payments £0.5 + 0.2%
- Faster payments
Prices for GBP account usage £0.5 - Currency exchange 1%
- Card load 1%
FLEX
Most Popular
For growing businesses with medium transaction volumes
€ 9.99 /month
- x 1 Account in EUR, GBP, DKK*
- x 1 Virtual prepaid Mastercard
- x 1 Physical prepaid Mastercard
- Sign-up Fee €99
- Incoming payments SEPA 0.2%
- Outgoing payment SEPA €2
- Currency exchange 0.49%
- Card load 1%
Each plan includes a basic number of accounts and cards, with the option to apply for more. Main account will reflect the country of incoporation - DKK for Denmark, GBP for United Kingdom, all other EU-zones will have a EUR account as primary account. Prices exclude VAT. Monthly payments and fees deducted automatically from accounts are VAT-exempt. You can find detailed information about all rates here
© 2006 – 2025 All payment services are provided by B4B Payments and B4B Payments Europe. Payment Card Solutions (UK) Limited trading as B4B Payments is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 930619). UAB B4B Payments Europe is authorised by the Bank of Lithuania as an Electronic Money Institution (Licence No: 76) under the Law on Electronic Money and Electronic Money Institutions 2011. Read more about B4B Payments here
Your first business?
Still have questions?
Leave your number, and we’ll call you back soon
Thank you for your request
A manager will contact you within 1 business day
Oops! Something went wrong. Please try again.
Learn more about Zento
Through Zento.app, you can access B4B Payments business accounts in EUR, GBP and DKK.
Our secure web and mobile platform lets you easily send, receive and manage payments.
Zento offers plans based on your company's country of incorporation, payment volume, and currency needs:
Free: No monthly fee, only for Danish businesses handling up to 100,000 DKK (€13,000). Higher transaction fees apply.
Flex: Recommended for businesses processing up to €25,000 per month.
Pro: Ideal for businesses handling over €25,000 or making frequent payments.
Yes. EMIs must keep client funds separate under strict European regulations, ensuring protection even in financial difficulties. National regulators oversee compliance, and funds are held securely with financial institutions.
Applications are reviewed within 2-3 business days. Once approved, accounts are activated in 1-2 business days.
We love nature!
For each account opened with Zento, we plant a tree. Yes, a real tree. Join us, and help making Earth a better place!
Thank you for your request
A manager will contact you within 1 business day