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🇦🇩 Andorran company · 🇬🇧 UK account

UK Business Account
for Andorran Companies

SL or SA registered in Andorra? Open a UK account online. Receive GBP, hold EUR natively, and access the full SEPA zone — because Andorra is SEPA even without EU membership. Apply in 24 hours with no UK address required.

🇦🇩 SL, SA & SLU accepted
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EUR official currency
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SEPA zone member
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No UK address needed
Currencies: 🇬🇧 GBP 🇪🇺 EUR 🇺🇸 USD 🇨🇭 CHF 🇨🇦 CAD 🇸🇬 SGD 🇩🇰 DKK 🇳🇴 NOK 🇸🇪 SEK + 6 more

Built for Andorran companies trading internationally

Andorra's unique position — low-tax EUR jurisdiction with SEPA access and strong ties to both Spain and France — makes a UK account a natural complement for international business.

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Receive GBP from UK clients

Get a real UK sort code and account number. UK customers pay you like a local — no SWIFT fees or conversion losses on their end.

Pay UK suppliers in GBP

Send Faster Payments and CHAPS in GBP directly. No more converting EUR at unfavourable rates before every UK invoice.

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EUR & SEPA — Andorra is in the zone

Andorra is a full SEPA member despite not being in the EU. Send and receive EUR via SEPA Credit Transfer and SEPA Instant across 36 countries from your UK account.

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Hold EUR alongside GBP

Andorra uses EUR as its official currency. Hold EUR natively in a dedicated wallet — no forced conversion when you receive or send euros.

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Separate UK revenue cleanly

Keep UK-sourced GBP income separate from your Andorran EUR operations. Integrations with Xero and QuickBooks included.

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Corporate cards for UK spend

Issue cards for UK travel, conferences, software, or GBP-billed subscriptions. Spend directly from your GBP balance.

Every payment rail you need — UK, SEPA, and global

UK

Faster Payments (FPS)

GBP payments within the UK in seconds, 24/7. The standard rail for receiving from UK customers and paying UK suppliers instantly.

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UK

BACS & CHAPS

BACS for bulk payroll and direct debits. CHAPS for same-day high-value GBP transfers with guaranteed settlement.

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SEPA

SEPA & SEPA Instant

Andorra is a SEPA zone member. Send EUR across 36 countries via SEPA Credit Transfer. SEPA Instant delivers in 10 seconds — ideal for time-sensitive payments to Spanish or French counterparties.

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Global

SWIFT

International wire transfers to 200+ countries in any currency. For USD, CHF, SGD, and other non-SEPA payments worldwide.

Open from Andorra in 24 hours

1

Apply online

Complete the application on your phone or computer. Enter your NRT (Número de Registre Tributàri), company details, director information, and business description. Takes around 15 minutes.

2

Verify your identity digitally

Upload your passport and complete a short liveness check via your camera. Andorran passports and national IDs accepted. No branch visit, notarisation, or apostille required.

3

Account active — receive your IBAN

Once approved, you receive your UK sort code, account number, and IBANs for GBP and EUR. Send your first SEPA or SWIFT payment the same day.

What you need to apply

Prepare these before starting. A complete application means faster approval. Andorran documents may require a certified translation into English — the compliance team will advise if needed.

1

Valid passport

Andorra has a unique demographic — many residents hold Spanish, French, or Portuguese nationality. Any valid national passport is accepted. Must be current and not expired.

2

Proof of address

Bank statement or utility bill in your name, dated within 3 months. Your Andorran address is fine — no UK address required.

3

Certificat del Registre de Societats Mercantils

Official certificate from the Registre de Societats Mercantils (Commercial Companies Register). Published in BOPA (Butlletí Oficial del Principat d'Andorra). May require a certified English translation.

4

UBO information

Details and identity documents for all persons owning 25% or more. Required under UK AML regulations for all accounts regardless of company origin.

5

Business description

Brief description of what your company does, who your customers are, and why you need a UK account. Be specific — vague answers slow the review process.

Common questions from Andorran companies

Can an Andorran SL or SA open a UK business account?
Yes. Companies registered in Andorra — SL (Societat Limitada), SA (Societat Anònima), and SLU (Societat Limitada Unipersonal) — can all apply for a UK business account fully online. Non-EU registration is not a barrier. No UK address or UK-registered entity is required.
Does Andorra's non-EU status affect SEPA access?
No. Andorra is a full SEPA zone member despite not being an EU member state. This means Andorran companies can send and receive SEPA Credit Transfers and SEPA Instant payments in EUR across all 36 SEPA countries — including through a UK-based account.
Can I hold EUR natively in a UK account as an Andorran company?
Yes. EUR is Andorra's official currency and the account includes a dedicated EUR wallet with its own IBAN. You can receive, hold, and send EUR without converting to GBP. This makes the account especially useful for companies operating across Andorra, Spain, France, and the wider SEPA zone.
Is the account FCA regulated?
Payment services are provided by Gemba Finance Limited, authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN: 804853). ARIDANG acts as an introducer to Gemba Finance Limited.
How long does it take to open the account?
With a complete application, typically same day to 24 hours. Andorran company documents are in Catalan — a certified English translation may be required and can add a small amount of time. The application itself is fully online — no appointments, no branch visits, no notarisation required.

Andorran company. UK account.

SL, SA, or SLU registered in Andorra? Open a UK business account online. GBP + EUR natively, full SEPA zone access, and SWIFT to 200+ countries — from a single account in 24 hours.

Open Your UK Account →

Payment services provided by Gemba Finance Limited (FCA FRN: 804853). ARIDANG acts as an introducer.