Stripe Treasury

7.0easy start · #3 of 31
in Banking-as-a-Service Platforms

Free to practise onyes
Free trialnot on record
Well documentedyes
Runs where you worknot on record

Runs on api, Web.

Stripe Treasury is ranked #3 of 31 in banking-as-a-service platforms on The Geeks Club. It runs on API, Web. There is a free plan.

Stripe Treasury plans and pricing

All plans

Treasury Free No minimums or monthly fees; ACH funding is included and wire funding is $2.00 per wire. No storage fees or minimum balance required · instant currency conversion starts at 0.5% of converted amount · payout and FX fees may apply stripe.com · 4 Oct 2026

Compared on banking-as-a-service platforms

Card issuing: Yes
Embedded accounts: Yes
Payment rails: ach
KYC/AML tools: Yes
Ledger: Yes
Supported regions: United States, Puerto Rico, United Kingdom, Gibraltar

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The record

Purpose: Stripe Treasury combines banking and payments so businesses can receive, store, send, and spend funds in one place.
Audience: Stripe says Treasury is built for startups and growing businesses that want to simplify their financial stack and financial operations.
Account access: The product page says businesses can open an account in minutes and access settled Stripe payments balances instantly.
Multicurrency: Treasury supports multicurrency balances and instant currency conversion; the page lists USD, OUSD, GBP, and EUR balances.
Global payouts: Stripe says Treasury supports payouts to 160+ countries, including payouts through traditional and stablecoin networks.
Cards: Treasury includes virtual and physical debit cards with 2% cashback, spending limits, reporting, and real-time authorization controls.
Accounting integrations: The included features list names Xero and QuickBooks integrations, balance and transaction reporting, and automated reconciliation.
Automation: Treasury supports agent workflows through Stripe’s Model Context Protocol, including paying invoices, moving money, converting currencies, and issuing cards.
Deposit insurance: Stripe states eligible USD funds held at Fifth Third Bank, N.A., Member FDIC, are insured up to $250,000 per depositor, per institution, subject to conditions.
Banking provider: Stripe says it is a financial technology company, not a bank, and checking accounts are provided exclusively by Fifth Third Bank, National Association.
Cashback limits: Cash-like, high-risk resale, gambling, and government payment transactions are not eligible for cashback.
Platforms offering Treasury: Treasury for Platforms provides embedded accounts for platforms including Shopify, Instacart, and Arc.
Funding fees: Stripe lists ACH funding as included and wire funding at $2.00 per wire, with no storage fees or minimum balance required.
Headquarters: South San Francisco, California, and Dublin, Ireland
Price from: Free

Where it ranks on The Geeks Club

Best Banking-as-a-Service Platforms in 2026#3 of 31

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Sources

stripe.com/treasury· checked 4 Oct 2026
stripe.com/pricing· checked 4 Oct 2026