Forget the bureaucracy of traditional banks

Tonio is a payments-as-a-service provider that helps hundreds of businesses manage their finances more efficiently


Why Tonio?

Tonio offers a complete, innovative payment solution to help businesses of all sizes manage their finances more efficiently. Learn more.


Our team has more than a decade of experience in fintech, giving us the expertise to streamline your financial operations.


We use a state-of-the-art security system to protect your account from potential risks.


Licensed and regulated by the FCA as an Authorised Payment Institution for the provision of payment services.

Online account

Better, faster payments

The ease of online payments

Better, faster end-to-end payment solutions for you and your business. Experience the full potential of online payments with our simple yet innovative solution.

Debit card

Pay as you go

Global access to your funds

Both physical and virtual, our debit cards provide global access to your funds, anytime you need it. Experience full control over your finances with our online account management available 24/7.



What is Tonio?

Tonio is a UK-based payment provider that carries out fast and secure money transfers all over the EU. Quick direct access to CENTROlink payment system, operated by the Bank of Lithuania, allows us to execute EUR transactions across the SEPA zone.

What is SEPA?

The single euro payments area (SEPA) is a system of transactions created by the EU which makes cross-border electronic payments as inexpensive and easy as payments within one country.

How is Tonio regulated?

We are fully licensed and regulated by the Financial Conduct Authority of the United Kingdom. We also use various security tools to keep your money safe and protect your account from unauthorised usage or transactions. That means that all personal and business accounts, funds, transfers, and payments are secured by our extensive security measures.

How long does it take to send money via Tonio?

When your funding payment arrives, we do our best to process each transaction as quickly as possible. It takes us around one business day to execute a transaction.

How do I start sending money via Tonio?

You do not need to waste your time going to the bank or spending hours on a long phone call. All you need to do is:

  • - Sign up with your email address and phone number
  • - Verify your identity with your ID document
  • - Start sending money abroad
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Suite 3 G & H, Docklands
Business Centre, 10-16 Tiller Road, London,
England, E14 8PX

[email protected]+44 207 405 0602

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