Railor is launching soon. Contact us to learn more and join the waiting list

Built for businesses that sell expertise

Invoice clients anywhere, get paid in their currency, and pay subcontractors and salaries from the same account - with rails, FX, and cards built for international work.

Service businesses,
properly underwritten

Selling work instead of goods isn't a compliance problem. It's the business we bank every day.

Keep more
of every invoice

Two costs sit between an invoice and your account: the transfer and the conversion. We price both up front - mid-market rates, transparent fees.

Pay your people
and everything else

Salaries, subcontractors, freelancers, each paid in their own currency, plus cards for software, ad spend, and travel. No separate payroll provider, no second account.

Everything your service business needs to get paid globally

Invoice, collect, convert, and pay your people — wherever your clients, subcontractors, and staff are.

Multi-currency IBANs

Invoice clients in their own currency, and get paid like a local business.

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SEPA, SWIFT & local rails

Fewer banks between you and your money — and salaries and subcontractor payouts that arrive on time.

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FX in 140+ currencies

Convert at mid-market rates and stop losing margin on money you've already earned.

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Business debit cards

Cover software, media buys, and travel with cards assigned to teams, clients, or projects.

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Crypto on/off-ramp

Take payment in crypto and settle in fiat, through our vetted partner network.

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Join agencies and service businesses who bank with Railor

Talk to sales

Up and running in days, not months

Getting started with Railor is straightforward. No lengthy paperwork, no unexplained delays – your dedicated account manager guides you through every step, from application to first transaction.

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.

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.

You sell globally. Bank globally.

Accounts, rails, FX, and cards for agencies, IT firms, and service providers — money in from every client, money out to every subcontractor. Dedicated account manager from day one.

Answers to common questions

Everything you need to know about
our product and services in one place

Yes. Multi-currency IBANs give you account details in the currencies your clients pay in, so your invoice looks local to them and neither side pays for a conversion they didn’t agree to.

Yes. Client revenue lands in the account and goes straight back out – salaries to your team, payouts to subcontractors and freelancers, each in their own currency at mid-market rates and on the right rail for their country. No separate payroll account, no second provider. 

It depends on the route, and we use the fastest one available for each payment. SEPA Instant settles in seconds; local rails land the same day, and SWIFT covers everywhere beyond that.