Start a Company
Banking & Fintech Accounting Tax & VAT Payroll & HR
Legal
Software
How We Review
Payhawk logo
PROVIDER REVIEW

Payhawk

Estonian and other EEA companies that want dedicated accounts, corporate cards, expense management, approvals and accounting integrations in one finance platform.

Reviewed by Karin Rand Banking / Fintech · Business Software · Expense Management payhawk.com ↗
OVERVIEW

About Payhawk

Payhawk combines business accounts, corporate cards, expense management, payment approvals and accounting integrations in one finance platform. It is designed for companies that want tighter control over employee spending and finance workflows rather than only a basic payment account.

For eligible smaller businesses, Payhawk offers a Growth programme from £149 per month, while larger or more complex organisations use modular quote-based pricing. Its value increases when several people need cards, approvals and expense controls in the same system.

Payhawk is therefore better suited to growing Estonian and EEA companies with structured spend-management needs. Very small businesses that only need a simple EUR account are unlikely to benefit enough from the additional workflow features to justify the cost.

Key limitations

May not suit

Very small companies that only need a basic EUR account and do not need spend-management workflows.

ACCOUNT & PAYMENTS

How the account works

Account / IBANDedicated IBANs in multiple currencies
CurrenciesDedicated accounts in EUR, GBP, USD, DKK, PLN and CHF.
SEPAYes
SWIFTYes
TEAM & ACCOUNTING

Finance workflow

Accountant access

yes

Payment approvals

yes

API

Yes

FUND PROTECTION

How customer funds are protected

Dedicated accounts are provided with safeguarding under applicable PSD2/e-money arrangements rather than a traditional bank deposit guarantee.

Not sure if Payhawk is the right fit?

Compare providers side by side and choose the setup that matches your business.

Compare providers →