The UK Payments Network
Collect, hold, pay.
All across the UK.
Your business runs on one account. Collect from UK customers, hold it in your own account numbers, and pay out to any UK bank in GBP or EUR, same day.
COLLECTION · BARCLAYS
£812,400 · matched 0.9s
PAYOUT · NATWEST
£240,000 · 1.1s
FUNDED · LLOYDS
£3.1M · 0.7s
COLLECTION · MONZO
£58,900 · matched 0.6s
PAYOUT · HSBC
£1.2M · 1.3s
COLLECTION · SANTANDER
£415,000 · matched 0.8s
COLLECTION · BARCLAYS
£812,400 · matched 0.9s
PAYOUT · NATWEST
£240,000 · 1.1s
FUNDED · LLOYDS
£3.1M · 0.7s
COLLECTION · MONZO
£58,900 · matched 0.6s
PAYOUT · HSBC
£1.2M · 1.3s
COLLECTION · SANTANDER
£415,000 · matched 0.8s
How the network moves
Follow one payment, collection to payout
The same £812,400, collected from a customer and paid out to the bank, three moves later.
Collected from a customer
A customer pays by Faster Payments, bank transfer or card. It lands in your virtual account, matched to the invoice, no chasing.
Held in your virtual account
It sits in an account number that is yours, reconciled and ready. Hold it as long as you need before you pay out.
Paid out to the bank
Send it to any UK bank on your schedule, with the approvals you set. Settlement you can predict.
£812,400
held in your account · paid out same day
£812,400
About Us
The network behind thousands of UK businesses
Emaal was built for companies that were tired of running their money across three banks, a card terminal and a spreadsheet. We give every business one account that collects, holds and pays — all inside the UK, all reconciled as it moves.
From a single card collection to a full supplier payout run, the same account keeps up.
Safeguarded by design
Customer funds are held in safeguarded accounts with UK institutions, separate from our own balance sheet.
Built for finance teams
Reconciliation, approvals and audit trails are the product, not an afterthought bolted on later.
One account, every rail
Faster Payments, BACS, CHAPS and card collections settle into the same balance you pay out from.
£1.4B
Collected and paid out
3,800
Businesses collecting
24
UK banks reached
3h
Average time to pay out
Our Services
Everything your money does, in one account
Four products that share one balance, one ledger and one set of controls.
Collections
Take payment by Faster Payments, bank transfer or card. Every collection arrives matched to its invoice.
- Faster Payments & BACS
- Card and open banking
- Auto-matched to invoices
Virtual accounts
Dedicated sort code and account numbers in your business name, ready to collect into from day one.
- Your own account numbers
- Named to your business
- Live the same day
Bulk payouts
Upload a batch or pay one by one. Set per-user limits and require a second approval above them.
- Batch upload by CSV
- Per-user limits
- Two-step approvals
Supplier payouts
Pay any UK bank on your schedule, from the same balance your collections landed in.
- Any UK bank
- Scheduled or instant
- Full audit trail
Payments
Money in, money out, under your control
Your own account numbers
Collect into an account that's yours
Every merchant gets dedicated account numbers to collect into. Customers pay by Faster Payments, bank transfer or card, and it all lands in one place, matched to the invoice.
- Dedicated account numbers for your business
- Faster Payments, bank transfer and card in one account
- Every collection matched to its invoice
40-02-01 · 12345678
Barclays Bank · London
AWAITING YOUR APPROVAL
Control who moves what
Pay out to any UK bank, in bulk
Upload a batch or pay one by one. Set a limit per user and require a second approval above it. Your team moves the small payments; you sign off the big ones.
- Pay any UK bank via Faster Payments or BACS
- Bulk payouts with per-user limits and approvals
- Full audit trail on every payout
In their words
Finance teams that stopped fighting their bank
“We used to chase payments across three banks and a card terminal. Now every collection lands in one account, matched to the invoice. Month-end went from a scramble to a Tuesday afternoon.”
Sarah Whitfield
Finance Director, Thames Freight
“Paying 40 suppliers across Barclays, HSBC and Monzo in one run, from one balance, used to take all morning.”
James Carter
COO, Yorkshire Produce
“The approval limits mean I can delegate payouts without losing sleep over a wrong zero.”
Emily Hughes
Controller, Bristol Textiles
Contact Us
Join the network
Open your business account in minutes. No setup fees, no minimum balance, collections live the same day.
- Sales
- sales@emaal.co
- Support
- support@emaal.co
- Office
- London, United Kingdom
Talk to sales
Tell us about your business and we'll be in touch within one working day.