Most business payment accounts were built for a world that no longer exists. A world where opening an account meant physical meetings, weeks of back-and-forth, and a stack of documents to be signed in person. A world where international transfers ran on the calendar of someone else’s working hours. A world where customer support began when something went wrong.
That world has been replaced by businesses that operate across markets, currencies, and time zones, businesses that need a financial setup as flexible as the way they work. This is what Andaria’s Business Payment Account was designed for. Below is a closer look at three areas where that design shows most clearly, drawn from a conversation with Sarah Oliva, our Chief Operating Officer.
Onboarding That Does Not Slow You Down
For a growing business, delays during account opening are not just frustrating, they are operational lost income. Weeks spent waiting for paperwork to clear are weeks the business cannot use the account it needs.
Andaria’s onboarding process is fully digital and built around the simple principle that businesses should be able to start operating as quickly as they decide to. A business reaches out via the website. A dedicated team holds a short video call to understand the business and match it with the right product. A secure link is shared, all documentation is uploaded digitally, and once verification is complete the welcome pack arrives with login details for online banking.
The whole process is designed to be completed in under seven days. There are no physical meetings, no couriered documents, no waiting on someone else’s schedule. It can be done from anywhere with an internet connection.
Payments That Move at the Pace of Your Business
A business operating across borders needs more than the ability to send money. It needs the ability to send money in the right way, through the right rail, at the right speed, without having to think about it.
Andaria supports both local clearing and cross-border payments. Local payments in Europe are processed in real time, meaning a payment sent in the morning is received in the morning. The same applies to local payments in the United Kingdom. For international transfers, Andaria supports 25 currencies and multiple jurisdictions across the globe.
Just as importantly, the FX side of those payments runs 24 hours a day, 7 days a week. There are no quotes to chase, no operating hours to plan around, and no need to start the process again because a quote expired. A business opens the account, selects the currency, inputs the details, and submits the payment. Andaria handles the rest.
Because each Andaria account is a multi-currency account, businesses can also receive incoming payments in foreign currencies and hold the balance in that currency, no forced conversion, no unexpected FX charges. Funds stay where they make most sense for the business until they are needed elsewhere.
Support That Starts Before Anything Goes Wrong
The instinct in financial services is to define customer support by how quickly problems get resolved. That is part of it, but only part. Andaria treats support as something that begins the moment a client is onboarded, not the moment something goes wrong.
Every new client receives a welcome pack with the essentials: how to access the account, how to contact the support team, and links to short how-to videos that walk through the platform visually. The customer support team then holds an introductory call to welcome the client personally and make clear that the support is human, not just a ticket queue.
That contact does not stop once the account is set up. The team checks in periodically, so support feels like a continuous relationship rather than a help desk to fall back on. When a client does have a query, response is fast: 90 percent of customer support queries are resolved within 24 hours.
A Design Choice, Not a Coincidence
Onboarding in under a week. Payments that clear in real time. FX that does not stop for the weekend. Support that knows your business before you need it.
These are not features that were bolted on as the company grew. They are the original design brief, a business payment account built around how modern businesses actually work, not how financial institutions traditionally expected them to.
If your business has outgrown an account that was not built for it, this is what the alternative looks like.
Open a Business Payment Account: http://www.andaria.com/business-payment-accounts
Watch the full interview with Sarah Oliva, COO: https://youtu.be/JOjYfyN5uSY?si=1HQguxDjKWXxxtsN
