What is an EMI Account and How Does it Protect Your Money?

Why Your Funds Stay Truly Yours

When it comes to your business finances, control and security aren’t luxuries - they’re non-negotiables. Many business owners assume that only banks can offer secure accounts - but that’s no longer the case. As a regulated Electronic Money Institution (EMI), Amaiz provides a modern, secure alternative that prioritises fund safety and customer control.

Unlike traditional banks, Amaiz does not lend or reinvest your funds. Instead, we safeguard 100% of your money in dedicated, low-risk accounts - ensuring it remains protected, immediately accessible, and completely under your control at all times.

Whether you're running a startup, managing an IT or marketing company, or operating in gaming or forex, your funds are held safely - with no lending risk, no delays, and no surprises.

How That Works (and Why It Matters)

• No lending or investment risk: Unlike banks, EMIs cannot use your funds for credit or investment - they’re strictly ring-fenced and separated from Amaiz’s operational finances.
• Immediate access, always: Your funds aren’t tied up in market activities. If you need your money, it’s available instantly.
• Oversight & regulation: Regulated by the FCA, we meet rigorous safeguarding and anti-money laundering standards.

The EMI Advantage – By the Numbers

The rise of EMIs isn’t just a trend - it’s backed by substantial growth and real financial impact. In the last few years, EMIs have become trusted partners for a wide range of businesses by offering reliable, regulated services at scale. Here’s a closer look at how the numbers support their growing influence:

• EMIs across Europe now safeguard over €35 billion in customer funds - an 84% increase since 2019.
• Nearly 600 EMIs operate across Europe, with almost 250 in the UK according to “The Banker”.

This positions EMIs as key players in the modern financial ecosystem - a secure, tech-driven alternative to traditional banks.

Why EMIs Stand Out from Banks

Traditional banks operate on a fractional reserve model, using customer deposits to issue loans and make investments. This introduces risk - especially in times of financial stress.

By contrast, EMIs:

• Must safeguard 100% of customer funds in low-risk accounts.
• Cannot issue credit, loans, or mortgages.
• Are purpose-built for digital transactions and transparent fund management.

For businesses concerned about hidden financial exposures, EMIs offer stability without surprises. In the unlikely event of insolvency, your funds remain protected - even though EMIs are not covered by FSCS deposit insurance like banks.

What This Means for Your Business

With Amaiz, you gain clarity, peace of mind, and total control - ideal for businesses transacting via SEPA instant, SEPA, SWIFT, FPS, and using payment cards.

Explore More: Tailored Financial Solutions from Amaiz

At Amaiz, we understand that modern businesses need more than just a secure place to store funds. That’s why we offer a suite of services tailored to specific sectors. From our bulk payments tool that simplifies high-volume transfers for payroll or supplier payments, to start-up accounts that support founders with flexibility and clarity, we make business banking work your way. For crypto-driven firms, our specialist EMI accounts ensure compliance and transparency, while virtual cards built for media buyers enable real-time control and fraud protection. And for the gaming industry, we offer fast, secure account solutions tailored to the unique needs of entertainment platforms.

If you’re looking for a secure, transparent way to manage your business funds - without the risk or complexity of traditional banking - an EMI account with Amaiz could be the answer. Learn more and start your journey at www.amaiz.com.