Bank without borders
Global accounts optimized for FX and travel points.
Natively multi-currency accounts and corporate cards integrated directly into a unified spend management and forecasting platform. We execute dynamic FX optimization behind the scenes so you never overpay on software, flights, hotels, or international meals. We automatically route your global spend to maximize your chosen travel rewards program, handling the complex treasury mechanics and budgeting views so you can ignore borders entirely.
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The business account for going global.
Make payments, get paid, and spend in multiple currencies without hassle. Open an account, and Nimble & Cross takes it from there. We automatically optimize your FX, vendor spend, and travel points, and give you advanced visibility with budgets and forecasting.
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Multi-currency accounts, opened same day.
We bypass the legacy bank branch to immediately open your core financial infrastructure. You receive native access to localized banking rails in Canada, the US, and the UK, fully integrated into a single dashboard.
Same-day provisioning
USD, CAD, and GBP operating accounts open within hours of entity approval, bypassing traditional underwriting delays.
Receive funds locally
Receive VC wires, Stripe payouts, and customer payments via local routing numbers, eliminating inbound international wire fees.
Global payouts
Pay international contractors, vendors, and remote employees through local rails in their own country, no separate payroll provider required.
Multi-entity support
One dashboard consolidates the accounts and balances for every entity in your corporate structure without commingling funds.
Automated FX, built to eliminate markups.
Banks profit by charging hidden markups when your capital crosses borders. We use your historical vendor data and upcoming travel schedule to actively bypass those fees and protect your margins.
Smart positioning
We automatically move capital to your EUR or CAD accounts ahead of scheduled international trips or large vendor payments.
Zero markup
We execute all currency conversions at the wholesale interbank mid-market rate. You never pay a bank spread again.
Yield-bearing sweeps
Idle balances are automatically swept into yield-bearing reserves while we maintain the optimal mix across your currency accounts based on your real-time burn rate.
Spend controls on every card.
We protect your operating capital from overbilling, rogue subscriptions, and compromised credentials. Our agents generate secure payment methods for every vendor and physical cards for your distributed team.
Vendor-locked cards
Generate vendor-specific virtual Visa cards with hard spending limits to cap your exposure on SaaS subscriptions and ad spend.
Team issuance
Deploy physical and virtual corporate cards to global employees with strict, location-based spending rules.
Automated reconciliation
Every swipe is categorized, matched to a receipt, and pushed directly to your accounting ledger the moment it happens.
Real-time runway and forecasting.
You should never have to guess your cash position. We analyze your live transaction data to provide real-time reporting and strict budget controls, acting as your automated FP&A team.
Real-time runway
We continuously calculate your exact runway based on live burn, active subscriptions, and upcoming payroll commitments.
Automated reporting
Receive end-of-month financial summaries highlighting spend anomalies, recurring cost increases, and optimization opportunities.
Dynamic budget alerts
Set strict thresholds by department or vendor. We alert you the moment spending deviates from the established forecast.
Every swipe earns travel rewards.
Points are the currency of global business, and you earn high-value travel rewards on the operational spend you are already doing. There are absolutely no limits on accumulation as your business scales, and your points transfer instantly to major airline and hospitality programs, including Aeroplan and Delta. We handle the routing and the backend mechanics so you earn on every software, advertising, and international transaction without thinking about it.
Apply for banking accessFrequently asked questions
01.Nimble & Cross isn’t a bank. Where does my money actually sit, and is it insured?[ + ][ − ]
Funds sit in accounts titled in your company’s exact name at our chartered banking partners, not on our balance sheet. Your deposits carry standard FDIC or CDIC insurance through the underlying bank. We provide the software layer to operate the account; we do not custody the money.
02.What happens to my money if Nimble & Cross has an operational issue?[ + ][ − ]
You never lose access to your funds. Because your accounts are legally established directly with the underlying chartered banks in your company’s name, your claim to the money remains with the bank, not with us.
03.Can I use these accounts to receive VC wires, Stripe payouts, and App Store revenue?[ + ][ − ]
Yes. The system provisions local routing and account numbers for both USD and CAD. You receive inbound domestic wires, ACH, EFT, and merchant payouts locally, completely avoiding international inbound wire fees and forced bank conversions.
04.How does the stablecoin rail work? Am I holding crypto?[ + ][ − ]
No, you are never holding a volatile asset. Stablecoin infrastructure is used exclusively as a backend settlement rail for corridors where traditional wires are slow or expensive. Fiat is converted, transmitted instantly, and immediately settled back into fiat on the receiving end. You are using a faster payment pipe, not taking custody risk.
05.How does the treasury system optimize yield on idle capital?[ + ][ − ]
Your cash should not lose value while sitting in a standard operating account. Nimble & Cross actively monitors your daily liquidity needs and cash burn, automatically sweeping idle capital into secure, high-yield treasury vehicles. You generate institutional-grade yield on your un-deployed capital while maintaining the exact daily liquidity required to fund operations and payroll seamlessly.
06.We have a Canadian OpCo and a US HoldCo. Does "one dashboard" mean the funds are commingled?[ + ][ − ]
No. Legally, the funds remain strictly separate to preserve your corporate veil and liability protections. The dashboard provides a unified operational view. When you move money between the two, the system correctly categorizes it as an intercompany loan or capital contribution, maintaining clean ledgers for both entities.
07.Can I issue cards to international employees or contractors?[ + ][ − ]
Yes. You can instantly provision virtual or physical corporate cards to your team regardless of their location. You dictate the exact parameters, setting hard spending limits, permitted currencies, and specific merchant categories before a single dollar is spent.
08.If a vendor-locked virtual card is compromised, who eats the loss?[ + ][ − ]
Standard commercial card zero-liability protections apply. Furthermore, because the card is hard-locked to a specific vendor and a strict limit, your overall exposure is inherently contained. Any disputed charge is contested directly by our issuing partner while your operating capital remains secure.
09.How exactly is the real-time runway calculated?[ + ][ − ]
It is not just historical burn. The system calculates your runway using your trailing 30-day and 90-day spend, plus active recurring subscriptions, confirmed payroll, and scheduled future payouts. If you sign a new vendor contract or schedule a hire, it impacts the forecast immediately, not as a surprise next month.
10.Who owns the travel rewards points, and how are they redeemed?[ + ][ − ]
Your company owns them directly. Points accrue instantly in your connected corporate loyalty accounts (such as Aeroplan or Delta SkyMiles). They do not sit in a proprietary Nimble & Cross "points bank," and they remain yours even if you close your account with us.
11.How does international spend get reconciled for accounting?[ + ][ − ]
Every transaction is categorized and matched to its receipt at the moment of the swipe. Because Nimble & Cross also operates your back-office accounting, this data flows directly into your ledgers. There is no manual CSV export or end-of-month reconciliation required.
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