Over the past decade, Nium has built enterprise-grade infrastructure behind global money movement: a network spanning 190+ countries and 100+ currencies, with licenses in 40+ markets. Today, over 1,000 banks, marketplaces, payroll providers, travel platforms, and fintechs run on it.
Our goal has remained singular: to remove complexity and uncertainty from moving money across borders. Because payment complexity compounds much faster than revenue does.
Nium is preparing to open access to this infrastructure to businesses of all sizes, enabling SMBs and startups operate across borders and scale with the same trusted payment rails and financial tools that global banks and multinational enterprises rely on to move billions of dollars every month.
Introducing Nium for SMB, a global business account built for growing companies with global aspirations.
With Nium for SMB, businesses will be able to use our enterprise-grade infrastructure to pay overseas suppliers and contractors, get paid from customers abroad, and hold and exchange supported currencies all in one account.
And the waitlist is now officially open for eligible businesses in Singapore, Hong Kong, and Australia, our first launch markets. Join to hear when registrations open in your market.1
Why international business payments should work for every growing business
Most businesses go global long before they open an office abroad. It starts with one overseas supplier. Then a client in another time zone, a contractor who prefers to be paid in their local currency, a subscription billed in USD. Soon you’re juggling three currencies and four payment timelines, and every conversion takes a bite out of your time and another bite out of your margin.
These are everyday needs, and they belong to businesses of every size. Yet large companies have had the tools to manage them for years. International payments for business at every stage of growth should be just as capable, without the complexity. That’s why Nium for SMB exists.
Which businesses can benefit from Nium for SMB?
Any business that trades across borders can use Nium for SMB to pay and get paid across borders.
Not sure if your business could benefit? Consider these examples of who it serves:
- Trade. An importer pays a manufacturer in China in its local currency and knows the cost before the money moves.
- E-commerce. A seller pays suppliers in one currency and collects from shoppers in another, without opening bank accounts in each country.
- Travel: A travel agency collects payments from overseas customers and holds those funds in supported currencies to pay hotels and travel partners, reducing the need for repeated currency conversions.
- Professional services. An agency bills a US client in USD and pays a freelance designer in Lisbon in euros.
- Technology. A software team pays remote developers in three countries and pays international software vendors from the same account.
If you have overseas suppliers, customers or teams, then Nium for SMB is for you.
What you can do with Nium for SMB
Once available in your market, you’ll be able to pay, collect, hold, and exchange through one business account.
Pay international suppliers in their currency
Pay overseas suppliers, contractors, and remote teams with international payments that are up to 5× cheaper and up to 12× faster, helping you keep costs down and payments on schedule. Reach 190+ countries in 100+ currencies, with everything set up and managed online and no technical integration required.
Collect from customers overseas
International collections work the way your customers expect. Give overseas customers local account details to pay you in supported currencies, without opening a separate bank account in every market. Funds arrive in your account, ready to hold, exchange, or use for your next business payment.
Hold and exchange currencies in one account
A multi-currency business account holds each currency as itself. You keep the currencies your business needs in one place and exchange when it suits you. That is business foreign exchange on your timeline: matched to your due dates and cash flow, with every balance in one view.
Lock in your exchange rate
Secure an exchange rate for up to 48 hours across 100+ currencies. Your rate stays fixed during that window, giving you time to fund your payment without exposure to rate changes.
See exchange rates and fees upfront
Review the exchange rate and payment fees before you confirm. Clear pricing puts the costs in front of you, so you can make an informed decision on every payment.
More features coming soon
We’re also building more ways for you to pay suppliers and manage business spending.
- Pay suppliers with your existing debit or credit card, even when they don’t accept cards. Funding a payment by credit card gives you more flexibility to manage cash flow between an invoice due date and your card repayment date.
- Control team spending with the Nium business card. Give your team Nium business cards for everyday business expenses. Set spending limits, track expenses in one place, and earn cash back on eligible spend.
How to get started with Nium for SMB
The waitlist is now open and accepting registrations of interest. Simply visit Nium for SMB and fill in the form.
Frequently asked questions
1. When is Nium for SMB launching?
Nium for SMB will launch first for eligible businesses in Singapore, Hong Kong, and Australia, with more markets to follow in the coming weeks. Join the waitlist to hear when registration opens in your market.
2. When will Nium for SMB be available in other countries?
We’re rolling it out market by market. If you’re based elsewhere, join the waitlist and select your country, and we’ll tell you when Nium for SMB reaches your market.
3. What types of businesses are eligible to use Nium for SMB?
Eligibility depends on your business type, your activities, and our verification checks. Nium for SMB is designed for businesses that pay or get paid across borders, including trade, e-commerce, travel, technology, and professional services firms. Submit the 30-second form to register your interest. Eligibility will be confirmed when you apply for an account.
4. I already use Instarem for Business. How do I access Nium for SMB?
All Instarem business customers will be migrated to the new Nium for SMB experience soon. We’ll contact you with details of your transition, timelines and any steps you need to take ahead of the transition.
5. Does joining the waitlist commit me to opening an account?
No. Registering your interest doesn’t commit you to opening an account. It ensures you hear from us first when registrations open in your country. Join the waitlist.
1Nium for SMB will open first to eligible businesses in Singapore, Hong Kong, and Australia, with more markets to follow.
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