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Equals Money Reviews & Product Details

Over 50,000 businesses use Equals Money to make their money movement simple. Equals Money has been trusted by customers to manage and move over £10 billion globally for over 18 years, since 2007. In 2025 Equals Group Limited merged with PayrNet Limited (Railsr) and was acquired by TowerBrook Capital Partners and J.C.Flowers & Co. Now a unified entity, Equals Money and Railsr form a well-established, embedded finance provider operating in the UK and Europe. Equals Money has grown significantly over the years, now comprising of over 500 colleagues across seven countries, with Head Offices based in The City of London. Key product features & what it solves for our customers: Banking-as-a-Service (BaaS) through Embedded Finance Solutions – whether businesses need to integrate financial services into existing platforms, or require front-end software to white label, our robust API and infrastructure enhance your customers user experience. Automated solutions include; scalable withdrawals, global payment rails and multi-currency capabilities. Corporate FX and International Payments in over 140 currencies at favourable rates. UK Faster Payments connection, up to 10,000 payments per batch, Hedging & Payment solutions and USDC off-ramping capability. Fix exchange rates for payments up to 24 months in advance* and protect your business from volatile markets with a reliable expert by your side. Support available 7 days a week. Multi-currency Accounts with their own IBAN to manage 35+ currencies, direct connection to payment networks, capability to send/receive funds without needing to convert and create single or multiple named accounts. Access liquidity through tier 1 banking relationships which can support crypto-linked, regulated firms. Major payment rails include SWIFT, UK Faster Payments, SEPA and SEPA Instant. Prepaid Expense Cards** – Issue up to 100 virtual cards for your team depending on your pricing tier. Physical cards can be ordered at £10(+VAT) per card. Your business can stay on budget with real-time transaction data, custom limits, instant card pauses and low balance alerts. Teams are empowered with fee-free spending in 21 card-supported currencies across 190+ countries where Mastercard is accepted. Spend Management Software that allows Managers to simplify employee expenses, have one real-time view of all transactions, rapidly issue cards, manage cashflow with complete control of team permissions depending on their role. See what teams are spending and where, and streamline monthly reconciliation by integrating with Xero or Concur® Expense. *Equals Money can only offer forward contracts to facilitate payments for goods and services. Once your rate is locked, please be aware that you are committed to that rate regardless of how it moves after booking. **Fees may apply to issue cards. Equals Money accounts are not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations/ E-money Regulations. Money is held in specially designated safeguarded bank accounts with Tier 1 banks and is kept separate from company assets. Terms and Conditions apply, please see our product and pricing pages for rates, fees and charges. Please see product FAQs for further queries.

Product Website

Seller

Equals Money

Discussions

Equals Money Community

Languages Supported

English

Overview by

Harry Watts

Pricing

Pricing provided by Equals Money.

Multi-currency Business Account

View More Pricing Information

Equals Money Integrations

(2)

Verified by Equals Money

Equals Money Media

Once you log into your account, get an overview of your account balances in all the currencies you hold. See notifications of actions that need your attention and a list of all latest transaction information.

Equals Money Demo - Link your accountancy tool

Link accountancy software with your Equals Money Account. We have a direct integration with Xero, QuickBooks and Sage integrations coming soon!

Equals Money Demo - Map currencies held to relevant account

Map active Equals Money currencies to the relevant account in Xero.

Equals Money Demo - Map your account integrations

Manage your account integrations here. See active integrations and connected bank accounts.

Choose the payments you want to make in the payments dashboard. Make a single payment easily, add money, make an exchange, international transfer, or create a beneficiary.

Multi-currency Business Accounts

International Payments

Expense Management

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Jo T.

Finance Diretor

Small-Business (50 or fewer emp.)

4/24/2025

"Great staff expense cards"

4/5

What do you like best about Equals Money?

Equals cards are easy to manage across my whole team. The app and web interface is simple and intuitive and enables me to easily check spending and move balances between cards instantly. Bank transfers into the main account are instant. My staff have found the digital cards easy to setup and use. We use digital cards only and these are easy to add to phone wallets. Staff use their cards daily with no problems. On the few occasions I have used customer support it has been quick and efficient. Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

We are Quickbooks based and look forward to bank feed integration in the future. CSV downloads are easy to get and upload, but the date format (which includes a time stamp) does have to be manually changed which isn't ideal. Review collected by and hosted on G2.com.

Nicholas S.

Operations Manager

Small-Business (50 or fewer emp.)

11/22/2024

"Easy to set up, simple to use, highly recommended"

5/5

What do you like best about Equals Money?

Setting up our account at Equals Money was really easy. Their customer support was responsive and got back to me quickly when I had some questions. There are plenty of useful features which help our charity to manage its money, Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

Overall we have found the platform easy to use and straightforward - I've not encounted any problems or dislikes yet. Review collected by and hosted on G2.com.

What problems is Equals Money solving and how is that benefiting you?

Our charity holds funds that we distribute for particular good causes. Sometimes these involve purchasing goods and services directly for people in need. Our existing financial process of receiving invoices and paying on credit terms did not suit this method of grantmaking, but neither did we want to issue debit cards which could risk uncontrolled spending. Instead, Equals Money helps us to provide pre-paid debit cards to relevant members of staff, ensuring that restricted funds are not overspent, while recording their purchases in an easy to use format. Review collected by and hosted on G2.com.

Kyle W.

Director

Small-Business (50 or fewer emp.)

4/24/2025

"Specific Needs Met"

4/5

What do you like best about Equals Money?

As a cash hungry business Equals allows our buy and sell stores to easily access cash from their own high streets as opposed to having to travel to our specific main bank. This saves tens of hours over the course of a year and we use it a lot. Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

During peak times money transfer from our main business bank account can take up to 20 minues. Review collected by and hosted on G2.com.

What problems is Equals Money solving and how is that benefiting you?

We consider ourselvs a 'specific use business' in that we use Equals for a purpose not many others may, and yet it still flawlessly solves out problems. We require cash top ups to our high street buy and sell stores frequently and Equals takes the stress out of going to the bank multiple times weekly. Staff can access cash from ATMs on their own high streets and our stores are ready to buy products again at a moments notice. Review collected by and hosted on G2.com.

Maia C.

Executive Coordinator

Small-Business (50 or fewer emp.)

4/24/2025

"User friendly platform"

4/5

What do you like best about Equals Money?

We've been using Equals Money for several months now, and it has completely transformed the way we manage our business expenses and international payments. The platform is intuitive, fast, and packed with features that really make a difference.

The multi-currency accounts are a huge plus – no more worrying about conversion rates or hidden fees. Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

The user interface can be unintuitive at times, and we've experienced frequent glitches that required us to restart or contact support. Review collected by and hosted on G2.com.

What problems is Equals Money solving and how is that benefiting you?

Equals Money has helped us gain clear visibility and control over company spending, thanks to real-time tracking and spend limits. It's also solved the issue of costly international payments by letting us hold and pay in multiple currencies at competitive rates. The platform saves us time, reduces manual work, and helps our team manage finances far more efficiently. Review collected by and hosted on G2.com.

Verified User in Non-Profit Organization Management

Small-Business (50 or fewer emp.)

4/30/2025

"Affordable, Friendly and Simple"

4.5/5

What do you like best about Equals Money?

As a charity we can't afford the cost of expense cards like Soldo, Expend and Pleo who charge a small fee per user every month. Equals gives us the main function of these cards: control over which staff members can access funds and how much. No monthly user fees, just a one-off fee per card! It provides a bank feed to Xero and limits can easily be set on line or using the app. The customer support is quick and friendly. Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

Equals does not sync to the Xero chart of accounts nor does it allow approval of expenses by a manager. You can by pass that by processing all of the payments directly in Xero from the bank feed : either by entering Bills, Spend Money Transactions or using Cash Coding. Review collected by and hosted on G2.com.

Verified User in Non-Profit Organization Management

Small-Business (50 or fewer emp.)

5/13/2025

"Equals Money card is convenient and easy to use for our purchases"

4/5

What do you like best about Equals Money?

The Equals Money card is easy to use and allows us as a charity to efficiently manage our spending. The online portal is user friendly and we are able to access our information and statements in real time easily. We have also used the online chat function a few times which have promptly resolved our queries. Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

We have had no issues at all using our Equals Money card, with only a couple of refresh procedures required from that end to refresh the feed into Xero. Review collected by and hosted on G2.com.

Lauren D.

Finance Officer

Small-Business (50 or fewer emp.)

4/24/2025

"Equals account for Care Home Business"

4/5

What do you like best about Equals Money?

What we enjoy about our equals account is how quickly we can move money around our different cards and allocate money to each user

The care homes can easily see their balance left for the month on the app and can put in a request for funds Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

The charge of withdrawing cash and the £12 fee for a new card Review collected by and hosted on G2.com.

Dennis M.

Senior Accountant

Mid-Market (51-1000 emp.)

11/23/2024

"Great software for management of card payments"

4.5/5

What do you like best about Equals Money?

Ability to upload invoices and annotations Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

Sometimes it is difficult to download statements due to the layout Review collected by and hosted on G2.com.

Neil W.

Business Development Manager

Small-Business (50 or fewer emp.)

10/31/2024

"Very happy with Equals Money"

5/5

What do you like best about Equals Money?

I recently moved across to EqualsMoney, and I couldn't be happier with the decision! The process of transferring money is smooth and straightforward, and not at all complicated. I use the cards weekly and the ease, very simple to intergarate into my day to day.

Compared to other services, EqualsMoney offered competitive rates and a much more personalsed experience. Was a no-brainer when I was shoping around, and its pleasing that the customer expereince so far has been excellent.

Overall, I highly recommend EqualsMoney to anyone looking for a reliable, fast, and secure money transfer service. Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

No physicals branches has not been a problem for me, at all! Review collected by and hosted on G2.com.

What problems is Equals Money solving and how is that benefiting you?

Traditional banks and transfer services often charge high exchange rates and add hidden fees. Equals Money offers competitive exchange rates and transparent pricing, so I know exactly whatI 'm paying, saving significant costs on international transfers.

And ease of corporate money management Review collected by and hosted on G2.com.

Russ M.

Director

Small-Business (50 or fewer emp.)

11/5/2024

"Equals Money - an excellent option for us to provide easy debit card access to our employees"

5/5

What do you like best about Equals Money?

We have found Equals Money to be a very useful and cost effective way for our employees to use a debit card to make business related purchases while maintaining full controll over spending limits, card access etc. We changed over from a larger provider where the cost and level of customer service provided was simply not providing value for money for our charity, and have been very pleased with the change. The sign up process was easy and the follow up from Equals Money ensured that we were on the right service. Easy integration with out Xero bookkeeping service and the ability for cardholders to scan electronic receipts has been very useful. We have had no problems regularly using the cards. As a small company we feel very valued by Equals Money and the customer back up is very good. Review collected by and hosted on G2.com.

What do you dislike about Equals Money?

More features are being regularly added to Equals Money and I think that the product will improve over time. A couple of things that we would like are automatic transfer of receipts into Xero (being worked on I believe) and perhaps a low balance alert would be useful (as it is a prepay card) Review collected by and hosted on G2.com.

What problems is Equals Money solving and how is that benefiting you?

Equals Money allows us to provide the right level of spending authority to company employees. Previous providers were not cost effective for us and equals money has allowed us to eliminate the use of petty cash and expense claim back from employees, saving time and increasingour level of financial oversight Review collected by and hosted on G2.com.

Response from Equals Team of Equals Money

edit

Hello Russ,

We're glad to hear that Equals Money has been a valuable and cost-effective solution for your charity. We appreciate your feedback and are continuously working to improve our product.

Thanks,

The Equals Money team