Banks reject FinTech and crypto applications less often for the business itself than for how it is explained. Unclear flows of funds, generic policies and inconsistent answers trigger rounds of questions and then silence. We prepare the pack the way a bank's onboarding team reads it.
Sound familiar?
- You have been rejected, or have heard nothing, from two or more banks.
- Your safeguarding or operational account is on notice.
- Questionnaires ask for details you have never written down.
- You are launching and need accounts before go-live.
What you leave with
A consistent, bank-ready set of documents and answers, and a shortlist of partners whose risk appetite fits your model.
Who it is for
- Payment and e-money institutions
- Crypto-asset service providers
- FinTechs that need safeguarding or operational accounts
Options and prices
Bank-Readiness Pack
€2,500
The documents banks ask for, prepared to the standard their onboarding teams expect.
- Banking readiness assessment of your current documents
- Business model and flow-of-funds narrative
- Compliance summary for bank due diligence
- Document checklist tailored to your model
- Shortlist criteria for suitable banking partners
Pack with due-diligence support
€4,000
The pack, plus our help answering bank questionnaires and follow-up questions.
- Everything in the Bank-Readiness Pack
- Support with up to 3 bank applications
- Drafting answers to due-diligence questionnaires
- Three working sessions
How it works
- Readiness assessment We review what you have against what banks typically request for your model and risk profile.
- Pack preparation Business model narrative, flow-of-funds diagram, compliance summary and a tailored document checklist.
- Partner shortlist Criteria for banks and EMIs whose risk appetite and geography fit your business.
- Due-diligence support With the support option, we help answer questionnaires and follow-up questions on up to three applications.
Questions
Do you guarantee an account?
No. Account approval is always the bank's decision. We improve the quality of your application; we do not sell introductions or guarantee outcomes.
Do you receive referral fees from banks?
We do not accept referral fees from banks we suggest. If that ever changes, we will disclose it in writing before you apply.
We were rejected before. Can you help?
Yes. We start by working out why, then address it in the new pack before you reapply.
Advisory support only. Compliance Aspect does not guarantee the opening of any bank or payment account, does not act on behalf of any bank, and receives no fees from banks.