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Accounts, cards, 40+ currencies, FX with rates from 0.35%, local and international payments, acquiring, invoicing, bulk payments, loans, factoring, credit lines, commercial mortgages, payroll, EOR & AOR, team management, embedded finance and BNPL. Basically, a lot more than a business account.

Not very. Apply online, tell us about your business and complete the checks. No paperwork marathon.

You can create accounts in 40+ currencies, each with its own IBAN.

Send money locally and internationally, with SEPA, SWIFT and other payment rails available depending on your account and local IBAN.

Your funds are safeguarded in line with applicable e-money regulations and kept separate from operational funds.

We prefer them to be visible. You’ll see applicable fees and rates before you use a service.

Businesses no longer need just a bank account. They need somewhere to get paid, pay people, exchange currencies, manage cards, and handle everything related to money.

No. Ampere isn't a bank. Payment and e-money services work through the relevant licensed providers. You still get accounts, cards and payments to run your business.

E-money is safeguarded under applicable rules rather than protected like a traditional bank deposit. Different setup, and worth knowing about.

No. Use Ampere on the web or in the app. A laptop is still a perfectly good way to run a business.

No. Start with what matters now. Add cards, currencies, payment tools or team access later. You don't have to predict next year's business.

We need to know who's behind the business. That can mean checks for directors, owners and people who control it. We'll tell you whose details we need.

Your company details, information about the people behind it and proof of identity. We may ask for more depending on the business. Not your entire filing cabinet.

Not yet. You can receive money once your account is approved and its receiving details are active. An application isn't an account.

You can hold money in 40+ currencies. Open the currency you need in Ampere and copy the receiving details shown there. No need to memorise account numbers.

Yes. Give them their own login and the access they need. Your password stays yours. Your accountant gets to keep theirs.

We check your business and the people behind it. If we need anything else, we'll ask. Once approved, you can start using your account.

Tell us what your business actually does. Some activities aren't supported, and applications are reviewed individually. Better to know that before you start.

Yes, where the currency and payment route are supported. Share the receiving details shown in Ampere so the customer knows exactly where to send it.

Yes. Add people as the team grows and decide what they can access. Your accountant and your sales manager probably don't need the same permissions.

No. We still have to review the business. Any application charge and its terms should be clear before you pay.

Tell us when directors, owners or company details change. We may need to update your records or run another check. Businesses change. The paperwork should keep up.

Yes, if each is eligible and approved. Separate people, separate private accounts. Being part of the same company doesn't make it a joint account.

Private accounts are for eligible directors and business owners linked to an active Ampere business account. Tell us your role and we'll check if you qualify.

Yes, when the transfer is permitted and the money is yours to take. Record it properly as salary, dividend or another type of withdrawal. Your accountant will appreciate that.

Better keep them separate. Business money is for work; private money is for you. Your expense report doesn't need extra plot twists.

Your private account is separate from company spending. Who can access it depends on the permissions you give. Your accountant doesn't need your password.

Possibly, yes. It's a separate account, and personal checks may be needed even if the company is already approved.

Private accounts can have their own charges. You'll see any price before accepting it; they aren't automatically bundled into your business account.

Ultimate Beneficial Owner. In plain English, the person who ultimately owns or controls the business. Sometimes the paperwork gives simple things longer names.

Keep company revenue in the business account. Your private account is for personal money. It keeps the records clear and your accountant calm.

Yes, when you're approved for both. One is for company spending. The other is for dinner, travel and the things that have nothing to do with work.

Tell us if your role or ownership changes. Private-account access depends on eligibility, so we'll check what that means for your account.

One might be a temporary hold, not a second charge. Check whether both payments have settled. If they have, contact the merchant or our support team.

Check the choice carefully. Some terminals offer their own conversion, which may cost more than paying in the local currency. The suggested rate isn't automatically the best one.

Hotels and car-hire companies sometimes place a temporary hold on a card. It reduces your available balance until it's released. Annoying? Yes. A second payment? Not necessarily.

A conversion may be needed. Check the rate and any card charges that apply to your payment. A multi-currency card still needs to know which currency you're using.

Yes. Use your physical card at supported ATMs. Check the withdrawal limit and applicable fee before taking out cash.

Freeze it in Ampere as soon as you notice, then contact support if you need a replacement. Better a frozen card than a very expensive souvenir.

No. A card freeze doesn't cancel the subscription you agreed to. Contact the merchant to cancel it too. The gym probably won't take a frozen card as a breakup letter.

Check your available balance, card limits and whether the card is frozen. Still can't see why? Send the transaction details to support.

After the merchant sends it, the refund still needs to be processed. Check your card activity, and ask the merchant for a reference if it's taking longer than expected.

Account fees and card fees aren't necessarily the same thing. Check the current price before ordering a card and any ongoing account charges separately.

No. It's a debit card, not a credit line. You need enough available funds for the payment.

No. A transfer doesn't decide whether money is salary, a dividend or something else. Keep it recorded properly. The card can't do your tax return.

Yes, if each person qualifies for a private account. Separate cards, separate spending. Dinner tabs don't have to be a team sport.

Use your private multi-currency card where it's accepted. If conversion is needed, check the rate and charges for that payment.

Yes, with your physical private card at a supported ATM. Check the withdrawal limits and fee before taking out cash.

Yes. It's handy for bookings, online shopping and subscriptions wherever the card is accepted. It works without taking up space in your wallet.

No. The card is for its named holder. If someone else needs a card, ask what account options are available to them.

Freeze the card and contact support with the transaction details. Don't wait to see whether it happens twice.

No. Your private account and card need to be approved and activated first. A company account isn't a shortcut around personal checks.

Use your physical card for supported ATM withdrawals. The virtual card is for online and other supported digital payments.

It's a debit card. If the available balance can't cover the payment, it may be declined. No invisible overdraft.

Use the card limits available in Ampere. Even a private card can have boundaries.

They don't need a separate personal account just to hold a company card. You issue and manage it through the business setup, subject to cardholder checks.

No. A card lets them spend within the limits you set. Full account access is a different permission.

Give finance people the access they need in Ampere. What they can issue or change depends on their permissions. Shared passwords can retire.

Check the cardholder and transaction, freeze the card if something looks wrong, then contact support. No need for an office-wide interrogation.

Freeze or cancel their card and review their account access. Keep the transaction records for your business accounts. Departing employees shouldn't take the card with them.

No. They're debit cards for company spending, with limits you control. Nobody's getting a secret company loan.

Check the current card pricing for your business. Issuing a card and making payments can have different fees, depending on the account.

The spending comes from the business account. Set sensible limits, review the transactions and make it clear what's a company expense.

That depends on who can be an authorised cardholder for your account. Check before issuing a team card to a contractor.

Yes. See cardholders and transactions from the web or app. Not every expense needs a detective.

Yes. Set individual limits. Sales and IT probably don't need the same coffee budget.

FX starts from 0.35% across 40+ currencies. You'll see the rate before you convert. No spreadsheet maths required.

Yes. Exchange rates move. Check the final quote before confirming; yesterday's rate won't wait for you.

Choose the currencies you have and want in the converter. If that pair is available, we'll show the rate and how much you'll get before you confirm.

Not if you already hold the currency you need and the payment route supports it. Otherwise, convert in Ampere first. No need to exchange the same money twice.

Yes. Ampere offers FX from 0.35% across 40+ currencies. You'll see your rate and the converted amount before confirming.

Ampere's exchange tools are for managing business money, not currency trading for its own sake. Convert what your business actually needs.

Check the currency, amount and quoted rate before you confirm. Once the exchange is completed, it may not be possible to reverse it.

40+ currencies. Open the converter to see which ones are available to you. Different currency, same account.

No. Exchanging money between balances and paying by card in another currency are two different transactions. Check the rate shown for the one you're making.

Not until it reaches an available balance. Pending money isn't spendable money, however convincing the payment screenshot looks.

Check the balance and transaction status first. If the money hasn't moved as expected, contact support with the details and we'll look into it.

No. You can pay supported external bank accounts. The recipient needs the right bank details, not an Ampere login.

SEPA is for euro payments across participating countries, Faster Payments handles eligible UK pound payments, and SWIFT is used for many international transfers. You'll see the routes available for yours.

No. SEPA Instant works where the banks and route support it. Otherwise, a standard transfer may be available. 'Instant' isn't a promise for every IBAN.

Their name, bank details, amount, currency and sometimes a reference or bank code. Ampere asks for the details needed for that payment.

Not always. Once a transfer is sent, it may be too late to cancel. If you made a mistake, contact support as soon as you spot it.

Banking hours, checks and intermediary banks can slow things down. Check the transfer status first. If it looks stuck, send support the reference.

Yes. Receiving or intermediary banks can have their own charges, especially for international payments. Check the Ampere fee before sending, too.

Yes. Ampere supports international payments in 40+ currencies. The available routes depend on the currency and where you're sending it.

You'll see the fee for your transfer before sending it. Check the amount and currency, then confirm when you're happy with the numbers.

Yes. Use bulk payments with a CSV file or API for supported payment runs. That's what the bulk option is for.

Contact support immediately with the payment details. We can look into a recall, but a completed transfer can't always be pulled back.

Yes. Bulk Payments let you send multiple supplier, contractor or team payments together instead of typing every transfer separately. Your keyboard gets a day off.

They're both supported use cases for bulk payments. Each transfer still needs the right recipient, amount and currency. One batch doesn't mean one set of bank details.

Ampere supports 40+ currencies, but the options for a particular bulk run depend on your account and payment routes. Check the currencies available before uploading.

No. Use a CSV file or connect through an API, depending on how your business works. Spreadsheets welcome. Developers welcome too.

You'll need the recipient details, amount, currency and any payment references. Use the template provided in Ampere, rather than guessing the column order.

Check the recipient details and amounts before approving it. If you've already sent the batch, contact support quickly. A completed transfer may not be reversible.

Only people with the right account permissions should authorise payments. Set up your team access in Ampere and check who can prepare and approve a payment run.

Your customer pays from their own banking app instead of typing in card details. They approve the payment with their bank.

No. Pay by Bank uses bank-account payments, not card networks. Different journey, different rules.

No. They use their own supported bank to approve the payment. Your checkout doesn't need to become their new banking relationship.

Ampere offers both Pay by Bank and payment links. Which payment methods appear together depends on the checkout setup. We'll confirm what's enabled for yours.

Not necessarily. Bank support, payment routes and checks affect how long it takes. 'Approved in the app' and 'money received' aren't always the same moment.

Refunds follow the rules of the bank-payment service, not the usual card chargeback process. We'll explain the flow for your setup.

The price depends on the service you activate. We'll show you the charge before you start accepting payments.

Ampere offers card acquiring, including supported major card schemes. We'll confirm which cards your merchant setup can accept.

International card acceptance depends on your merchant setup and the card being used. We'll confirm what's supported before you start selling.

Yes. Payment links and online card acceptance are part of Ampere's payment offering. Not every sale has to happen across a counter.

Yes, acquiring starts from 0.65%. Your final price depends on your business and payment setup. We'll show it before you start accepting payments.

Some acquiring agreements use a reserve to cover refunds or disputes. If yours does, we'll explain how much is held and when it's released.

It depends on your acquiring setup and payment checks. We'll confirm the payout schedule before you start taking payments.

Keep the receipt, order and delivery details. We'll explain how to respond under your acquiring agreement. 'They said they wouldn't dispute it' won't help much.

Yes. Creating and managing invoices with Ampere is free. Separate payment services can have their own charges.

No. Save your invoices, customers and billing details in Ampere. The next one is quicker. Repeating the same address is not a business strategy.

No. It's your invoice, not their invitation to join Ampere. They just need the payment details — and a reason to pay on time.

Check the currencies available in your invoicing form. Ampere supports 40+ currencies for accounts, but the invoice editor has its own options.

No. An invoice asks for payment; it doesn't move money by itself. Check your account when the customer pays.

Add the tax information your invoice needs using the available fields. You still decide the correct tax treatment. The form can't be your accountant.

Yes. Download a copy for your customer or accountant. Digital or paper, we won't judge.

Yes. Saved invoices are available on the web and in the Ampere app. The invoice you made at your desk doesn't have to stay at your desk.

Check the incoming payment in your Ampere account. Sending an invoice and receiving money are two different events.

No. It helps you create, save and manage invoices. Your bookkeeping and tax returns still need to be done properly.

The free generator makes a PDF and doesn't save your details. Ampere Invoicing keeps invoices and customers in your account. Same billing job, different level of commitment.

No. Add the details, check the numbers and download the PDF. That's it.

You can describe what you're billing for in the invoice details and check the calculated total. Check the available line-item fields before downloading.

No. It doesn't store your details for next time. Download your PDF and keep it somewhere sensible. Your future self will thank you.

It helps you include tax details, but you're responsible for the correct VAT treatment and invoice number. A neat PDF isn't a tax adviser.

Yes. Use the Payment & notes section for due dates or payment instructions. Give customers the details they actually need.

Edit the details while the form is open, then download another PDF. The free generator won't keep a saved draft for you.

It can, as long as you include the details required for your business and transaction. The generator doesn't check every country's tax rules.

You may need to start again. The generator doesn't save your details. Download first, close later.

Yes. Use the payment information section, then check the account number carefully. One typo can send the money somewhere else.

Yes. Add your customer's details and check that the currency, tax information and payment instructions are right before downloading the PDF.

No. The generator creates a PDF for you to download. You decide when and how to send it. No surprise emails to your client.

No. You can start the application without one. We'll tell you if the finance option you're offered needs an account later.

No. It starts the review. We still need to understand your business and check which funding option fits.

Some business loans can be funded within two days after approval. That's after approval, not two days after you type your email. The timing depends on the offer.

What you do, where you're based, your business size and the funding you need. We may ask for more financial details as part of the review.

No. The cost and repayment terms depend on the type of funding and your business. You'll see the offer before deciding whether to take it.

Ampere is expanding across Europe. Funding options depend on your company's country and the type of finance you need. Tell us where you're registered and we'll check what's available.

No. Factoring is based on money you've already earned but haven't received. A loan is borrowed money with its own repayment terms. Different tools for different gaps.

That depends on the product. Your offer will tell you who provides the finance and what you're agreeing to. No mystery lender.

You can enquire. Some products need a trading history or regular revenue; others may work differently. We'll look at the business before promising anything.

The finance provider may need a credit check. We'll explain the checks required for the offer before you proceed.

Compare what you receive, what it costs, when you repay and whether any security is needed. The nicest headline number isn't always the best deal.

If your app has already earned money, App Revenue Advance may let you access eligible earnings earlier. We'll check the revenue and tell you what we can offer.

Not quite. Factoring is based on money your business has already earned but hasn't received yet. A loan works differently. We'll explain the agreement before you take the funds.

It depends on your eligible earnings and the offer available to your business. You'll see the amount and cost before you accept. No mystery maths.

No. The cost depends on your offer. You'll see the amount, fee and terms before deciding whether to take it.

Ampere is expanding across Europe. Tell us where your company is registered and where your app revenue comes from. We'll check which advance options are available.

That depends on when eligible earnings are verified and your offer is approved. We'll confirm the payout timing as part of the application, not guess it here.

That depends on the terms of your advance. We'll explain what happens if a platform payout is delayed, reduced or cancelled before you agree to anything.

A loan gives you an agreed amount to repay on set terms. A credit line lets you draw from an approved limit as needed. Different ways to handle cash flow.

Commercial mortgages are among the finance services Ampere is working with. Tell us about the property and country so we can check what's available.

That depends on the loan terms. Some financing suits property purchases; other products don't. Be clear about what you're buying before applying.

Financial tools built into another app or platform. Think accounts or payments inside the product people already use. The Ampere setup depends on what you're building.

BNPL is part of Ampere's wider service range. Tell us where your business operates and what you need it for. We'll check the options available to you.

Tell us what kind of funding you need. We'll help identify the right route, though different products may require different checks.

The amount, cost, repayment terms, any security and who's providing it. Read those before signing, even if the headline number looks tempting.

Yes. You can register a UK company from another country if you meet the incorporation requirements, including the registered-address and identity rules.

Yes. One person can be both a director and shareholder. You'll still need the company details and any required identity checks.

There is a government filing charge, and a formation service may have its own price. We'll show the full amount before you apply. Older offers aren't the price to rely on.

That was an earlier offer, not a price for every application. You'll see the total cost before registering your company.

No. Company registration and account approval are two different steps. You can apply for Ampere once the business has the details needed for onboarding.

A company name, registered address, business activity and details of its directors and owners. We'll guide you through the required fields.

It depends on the application and the registrar's review. We'll confirm when the company is registered. Account approval, if you apply for it, has separate checks.

Not necessarily. With Employer of Record, Ampere People employs the person locally. You choose the employee and manage their work. We handle the contract, payroll, taxes and leave.

Yes. Use Employer of Record for employees, Contractor of Record for contractors we engage, or Contractor Management for people you hire directly. Same team. Different paperwork.

With Employer of Record, Ampere People employs the person locally. You still choose them and manage their day-to-day work. We don't run your Monday meetings.

Possibly. We’ll look at their country and current contract, then explain what needs to change. Moving an employee isn't quite like moving a file.

With EOR, we handle local payroll, employment taxes and statutory leave. The costs depend on the country and employee, so we'll show you the breakdown.

Yes. Tell us where they work and how they're currently engaged. We'll check whether Contractor Management or Contractor of Record is the better fit.

No. The cost depends on the country, the person and whether you choose EOR, COR or Contractor Management. We'll show you the numbers before you decide.

No. With COR, Ampere People contracts with the contractor and handles checks and payments. You manage their work. Employment is a different setup.

No. Local rules still matter. We help set up the engagement properly, but calling someone a contractor doesn't automatically make them one.

That depends on the contract and local law. Make sure IP and confidentiality are covered before work starts. Paying an invoice doesn't answer every ownership question.

It depends on the country and hiring setup. Tell us who you're hiring and where; we'll check what's needed and give you a realistic timeline.

Yes. Ampere's Benefit Hub offers free travel eSIM options, including 5 GB for 365 days or 10 GB for 30 days. Check which plan is available to your account.

You can prepare ahead, but check when your chosen plan starts counting down. Free data isn't very useful if it expires before takeoff.

The Global plan covers 90+ countries. Local plans cover 149 destinations. Check your country before travelling, not when the screen says 'No Service'.

Yes. Set it up while you've got internet and follow the plan's activation instructions. Much nicer than dealing with it on a runway.

It's a data eSIM. Use internet apps for calls and messages; don't expect a new phone number or a standard SMS allowance.

Not yet. You can use your free travel eSIM, but buying extra data isn't available in the current version. Check Benefit Hub for the options shown on your account.

The plan queue is designed for exactly that: add a plan ahead of time and let the next one activate under its country or timing rules. Check whether queueing is live for your plan.

No. It's another data connection. Your normal SIM and phone number can stay on a compatible phone.

If both destinations are covered by your Global plan, it can connect through supported local networks. Check the country list before you leave.

You need an internet connection to download and set up the eSIM. Doing it over Wi-Fi before your flight is usually easier.

The queue is designed to activate the next plan automatically, based on country or timing. Check the plan rules and whether the feature is available in your app.

Because we need to check who's behind the business before providing financial services. Directors and owners matter. Mystery shareholders don't.

No. Keep your password and security codes to yourself. If a message looks suspicious, contact us through a verified support channel.

Some transfers need extra security or compliance checks. If we need more details, we'll ask. Better a question now than a problem later.

Freeze the card if it's involved, then contact support immediately. Share the transaction details, not your password.

Tell us. We may need to update the company information or verify new people. Businesses evolve; the records need to keep up.

Contact the Ampere team through the app or Contact Us page. Explain what happened and include the payment reference if you have one. A real problem deserves a real reply.

We may need to finish outstanding payments, checks or charges first. Contact support and we'll explain how to close the account.

It depends on the account and region. Choose your pricing region to see the application charge and any ongoing fees before you pay.

Check the refund terms beside the application charge before paying. The checks still have to happen, even if the account isn't approved.

Choose your region on the pricing page. If your account has a monthly fee, you'll see how much it is and when it starts.

FX starts from 0.35% across 40+ currencies. Your exact rate appears before you convert. That's the number to check.

Not all of them. Card use, cash withdrawals and replacement cards can have different charges. Check the fees for your region before using the service.

Acquiring starts from 0.65%. Your actual price depends on the merchant setup, and we'll show you the offer before you start accepting payments.

No. Choose your pricing region first. Some services have set fees, while others depend on your business and the offer you receive.

Part of your card revenue can be held temporarily to cover refunds or disputes. If a reserve applies, the amount and release terms should be clear in your offer.

Yes. You'll see the applicable Ampere charge or exchange rate before confirming a supported transaction. We prefer your surprises somewhere else.

Possibly. Account fees and card fees are separate. Your regional pricing shows whether any monthly account charge applies, even when your card isn't being used.

No. One registration brings services together; it doesn't make every product free. Invoicing is free. Other services have their own prices.