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Tracked since2026

The Bottom Line

Price
From $29/mo (free plan available). Compare plans

Key facts

  • Multi-currency business account for collecting, holding, sending, and spending across borders
  • Supports stablecoin balances (USDT/USDC) and corporate Visa cards with spend controls
  • Mass payouts to 160+ countries with same-day arrival on supported corridors

Pros

  • Global reach with local receiving and payout capabilities
  • Stablecoin integration allows idle funds to earn while held
  • Corporate cards with flexible funding options (fiat and stablecoin)

Cons

  • Primarily designed for businesses, not individual users
  • Fees and FX rates not transparently listed on the homepage

What is Endl?

Editorial review
Endl is an operating account for borderless businesses, enabling companies to collect payments globally, hold funds in USD or stablecoins, pay anyone, and spend using corporate cards, all from a single dashboard. It supports multi-currency accounts (USD, EUR, GBP, BRL, MXN) and local receiving in 9+ countries without needing a local entity. Businesses can send mass payouts to 160+ countries via local rails, SWIFT, or stablecoins, with same-day arrival on supported corridors. Endl also offers physical and virtual Visa corporate cards with granular spend controls, real-time tracking, and the ability to fund cards using fiat or USDT/USDC. The platform is built for global teams such as IT consulting firms, contractors, importers/exporters, marketplaces, design agencies, wholesalers, and marketing agencies, backed by bank-grade security, regulated partners, and AML/KYC compliance.

Key Features

  • Receive payments locally in 9+ countries without needing a local entity
  • Hold funds in USD, EUR, GBP, BRL, MXN, and regulated stablecoins
  • Send mass payouts to 160+ countries via local rails, SWIFT, or stablecoin
  • Issue unlimited physical and virtual Visa cards with spend limits and category locks
  • Real-time transaction tracking and granular team access controls

Pricing Plans

Free Trial

Pricing checked Sep 25, 2026

Endl plans and prices, checked September 2026
PlanPriceDetails
Standard

$0 / month

  • Flat 0.5% on payouts and collections
  • Convert at 0.5% for USD, 0.5–1% for others
  • Payouts to 160+ countries over 40+ local rails, settled 24/7
+4 more
  • 3.5% on every balance coming soon
  • Business cards: team of 3, 5 free virtual cards
  • USD and EUR accounts, free
  • Onboarding in under 24 hours
Pro

$29 / month or $290 a year

  • Everything in Standard
  • Local payout fees: $0. All 40+ local rails.
  • Discounted rates on SWIFT and Fedwire wires
+3 more
  • 4% on every balance coming soon
  • Growth card plan included: 10 users, 5 free cards each, Apple Pay and Google Pay.
  • Priority support with a named onboarding contact
Custom

Contact us

  • Everything in Pro
  • Negotiated rates built around your corridors and volume
  • Dedicated account manager
+1 more
  • Scale card program, custom limits and controls

Is Endl worth the price?

Good value

Endl's Standard tier at $0/month plus 0.5% transaction fees is competitive for flat-rate global payout and collection, but the 0.5-1% conversion spread on non-USD currencies can add up.

The Pro tier at $29/month eliminates local payout fees and adds 4% yield on balances, making it a solid deal for frequent international spenders. Best for lean global businesses that want simple, all-in-one borderless banking without complex volume commitments.

Hidden Costs & Gotchas

0.5-1% conversion fee on non-USD currencies

3.5% yield on balances is coming soon (not live)

Pro annual billing lock-in

$290/year vs $348 monthly

Standard caps team at 3 users, 5 free virtual cards

Reviews

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Endl FAQ

How does Endl help a design agency collect payments from international clients and pay overseas contractors?

Endl enables a design agency to collect payments globally using local receiving in 9+ countries without needing a local entity, and it supports multi-currency accounts in USD, EUR, GBP, BRL, and MXN. The agency can then pay contractors in 160+ countries via local rails, SWIFT, or stablecoins, with same-day arrival on supported corridors, all from a single dashboard.

How does Endl compare to Wise Business for handling multi-currency operations?

Endl offers multi-currency accounts in USD, EUR, GBP, BRL, and MXN with local receiving in 9+ countries, and unlike Wise Business, it integrates stablecoin funding for corporate cards and allows idle funds to earn while held. However, Endl is designed for businesses, not individual users, and its fees and FX rates are not transparently listed on the homepage.

Which teams or businesses benefit most from using Endl?

Global teams such as IT consulting firms, contractors, importers/exporters, marketplaces, design agencies, wholesalers, and marketing agencies benefit most from Endl, as it provides borderless banking with local receiving, mass payouts, and corporate cards for spending.

How is Endl priced, and does it include a free tier?

Endl is a paid product and does not include a permanently free tier; businesses pay for the platform's borderless banking services, though specific pricing and FX rates are not disclosed on the homepage.

Can Endl corporate cards be funded with both fiat and stablecoins?

Yes, Endl offers physical and virtual Visa corporate cards that can be funded using fiat currency or USDT/USDC stablecoins, with granular spend controls and real-time tracking from a single dashboard.

Does Endl support same-day payouts to international contractors?

Endl supports mass payouts to 160+ countries via local rails, SWIFT, or stablecoins, with same-day arrival on supported corridors, though specific corridor availability is not detailed.

What kind of security and compliance does Endl provide for business transactions?

Endl is backed by bank-grade security, regulated partners, and AML/KYC compliance, ensuring that business transactions are secure and meet regulatory standards for global operations.

Why would a marketplace choose Endl over Mercury for global payments?

Endl provides local receiving in 9+ countries and stablecoin integration for idle funds and card funding, which may suit marketplaces needing flexible global payout options, whereas Mercury focuses on U.S.-based business banking with different international capabilities.

Source: endl.io

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