Privat3 Money
“Can a UK-licensed EMI build a premium, multi-currency digital finance and wealth platform compelling enough to win globally mobile HNW individuals and corporates away from traditional private banks?”
Founded2018
HQ23 Hill Street, Mayfair, London W1J 5LW, United Kingdom
IndustryFintech / Neobank
The story
Privat3 Money was founded as a UK Electronic Money Institution targeting affluent global citizens and corporates seeking premium digital banking. The company built a multi-currency account and premium metal card proposition, differentiating on FX and global spending. Its 2024 expanded partnership with ClearBank added API-driven multi-currency IBAN infrastructure, moving P3M toward a fuller digital banking stack for international HNW clients rather than a simple e-wallet.
Product timeline
2018
Privat 3 Money Ltd incorporated in England and Wales (company number 11700691).· banking
2023
P3 Metal Mastercard launched — premium 18-gram stainless steel debit card linked to multi-currency account.· card
2024
Deepened partnership with ClearBank to launch multi-currency account under a single IBAN supporting EUR, USD, CHF, and CAD.· banking
Regulated entities
EMI
UK FCA
Privat 3 Money Ltd
The stack
Banking / BaaS
Accounting gap: significant