Whether you're launching your first product or scaling operations across borders, managing payments shouldn’t slow you down. DigiDoe gives startups and SMEs a faster, smarter way to take control of their global finances.

Multi-Currency Accounts made for global trade

Open GBP, EUR, and USD accounts under one roof — ideal for businesses that invoice, pay, or receive funds in different currencies. Say goodbye to delays and hidden conversion fees.

Competitive FX Rates, Real-Time Transfers

Enjoy competitive exchange rates with no hidden markups. DigiDoe helps you make fast, low-cost payments globally — no surprises.

Smart Fraud Detection, Secure Transfers

Every transaction is monitored using AI to detect fraud patterns in real time — protecting against invoice scams and unauthorised access. You can move your money easily and safely via our secure Android and iOS apps.

Built for Ambitious Businesses

DigiDoe is a financial partner, not just a service provider. From first hires to global expansion, our clients trust us to streamline payments, reduce admin, and meet compliance standards. Whether you're a startup founder or an SME finance lead, we help you stay focused on growth — not red tape.

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Let’s Get Started: Preparing to Partner with DigiDoe

DigiDoe strives to work with forward-thinking businesses looking to deliver financial services under our EMI licence. If you're exploring an EMD Agent partnership, arriving well-prepared can make the onboarding process much smoother and more efficient.

Here’s what your leadership team can focus on to get started on the right foot:

CEO / Commercial Leads

Have a clear summary of your business model ready—who you serve, how you reach them, and how your revenue flows. A simple pitch deck and 12-month forecast help us understand how things fit commercially.

CTO / Technical Leads

Your approach will depend on whether you’re using:

- White-label: share your branding needs, legal documentation, and user journey expectations.

- API integration: share your product architecture, API documentation, and security setup.

Whichever route you're taking, early visibility helps us tailor our technical support to your setup.

FCO / Compliance Leads

To keep things moving, it’s helpful to have your AML policy, risk assessment approach, KYC samples, and governance documents ready. This allows us to run through regulatory checks without unnecessary back-and-forth.

The more complete your documents are at the start, the more efficiently we can progress—without compromising on standards.

Thinking of partnering with us?

Choose the fastest route to market and partner with DigiDoe. Our sales teams are ready to assist you.

Becoming a DigiDoe EMD Agent Could Be Your Smartest Move

In today’s digital economy, agility is essential. Whether you're launching a fintech platform, marketplace, or expanding financial services, getting to market quickly gives you an edge. That’s where the Electronic Money Distributor (EMD) model comes in.

What Is an EMD—and Why Does It Matter?

An EMD operates on behalf of a licensed Electronic Money Institution (EMI), delivering payment services and multi-currency accounts under the EMI’s regulatory umbrella. Your business appears on the FCA register, offering instant credibility.

Why Choose the EMD Route?

Instead of spending over a year and heavy capital securing your own EMI licence, EMDs can:

- Enter the market in weeks with minimal capital.

- Rely on shared compliance frameworks (AML, safeguarding).

- Access transaction platforms, payment rails, and FX engines.

- Scale flexibly with the option to pursue your own licence later.

Who Should Consider It?

Ideal for fintechs, marketplaces, payroll firms, loyalty operators, and international companies entering the UK/EU.

Why Partner with DigiDoe?

DigiDoe is an FCA-authorised EMI (FRN: 901043), ISO 27001 and ISO 23201 certified, offering:

- Rapid onboarding and tailored agreements

- Platform white-labelling and scalable APIs

- Full UK/EU regulatory compliance

- Advanced fraud prevention and transaction monitoring

- Dedicated account managers that support your business every step of the way.

Let’s Talk

DigiDoe has a proven track record. We’ve helped multiple UK and global businesses become EMD partners. If you want to deliver financial services without the time and complexity of direct licensing, the EMD model is your solution.

The financial industry faces an unprecedented challenge with the growing sophistication of frauds targeting customers of Payment Service Providers (PSPs) and banks. Recent data reflects the severity of the issue, with UK consumers losing £1.7 billion to scams in 2023. This year from April to June, the Financial Ombudsman Service recorded almost 9,000 complaints about frauds, marking a disturbing rise. In 2023, Action Fraud, UK’s national reporting centre for fraud and cyber-crime, logged nearly 10,000 reports linked to leading fintech companies and major banks like Barclays, Lloyds, HSBC, Revolut, and Monzo.

This includes a significant increase in Authorized Push Payment (APP) fraud, where unsuspecting customers are tricked into transferring money directly to fraudsters. Additionally, the threat posed by Advanced Persistent Threats (APT) is alarming, a sophisticated cyberattack, often driven by state-sponsored or highly organised groups that infiltrate financial systems stealthily. Unlike conventional hacks, APTs maintain long-term access, harvesting sensitive data and potentially causing catastrophic damage.

In response to these growing threats, new regulations came into force on 7 October 2024, requiring PSPs and banks to refund customers who fall victim to APP fraud. While this regulatory shift is crucial for protecting consumers, it also underscores the responsibility that financial institutions bear in preventing fraud before it happens. The stakes are higher than ever, and the need for proactive, intelligent security solutions is clear.

At DigiDoe, security is, and always has been, our foremost priority. Our real-time AI-driven transaction monitoring is designed to detect suspicious activity, including social engineering, before it becomes a threat.

Our system constantly learns and adapts, studying transaction behaviours, account spending patterns, geographical locations, and device usage in real-time. If anything appears out of the ordinary—a transaction from an unusual location or a spending pattern that does not fit the account’s typical activity—it is flagged immediately for further review. This proactive approach enables us to stay one step ahead of fraudsters, protecting our clients from financial harm before it can take place.

Our mission is to provide a secure financial solution for seamless global transactions. We understand the challenges our clients face, and are here to ensure that, no matter the threat, your trust in us is never misplaced.