Our Gemba partnership, in plain English.
We have an Introducer Partner agreement with Gemba Technologies Ltd. When you open an account through our links, we earn a share of the transaction fees Gemba charges you — just like a mortgage broker earning from the lender. You pay exactly the same price as going to Gemba directly.
The three-sentence version
- We recommend Gemba because we think it's the strongest fit for UK SMEs that need multi-currency accounts, virtual IBANs or international payroll — not because they pay us the most.
- We earn a commission on transaction fees when you open an account through our links. Disclosed in our footer and here. Your pricing is unaffected.
- We also tell you when Gemba is the wrong choice — see our comparison page.
Who Gemba actually is
| Legal entity | Gemba Technologies Ltd |
| Registered office | Level 39, 1 Canada Square, Canary Wharf, London E14 5AB |
| FCA status | Authorised Payment Institution, FRN 804853 (verify on FCA register) |
| Products | Multi-currency business accounts, virtual IBANs, BACS/SEPA/SWIFT payments, card issuance, FX |
| Distribution model | Direct (ge.mba) and via Introducer Partners (including financeb2b) |
Gemba is an FCA-authorised payment institution, not a bank. Your funds are safeguarded under e-money regulations — held in segregated accounts at a prudentially regulated bank — rather than protected by FSCS. This distinction is explained on every relevant product page we publish.
Money in and money out
When you open a Gemba account through a link on financeb2b.co.uk, Gemba records us as the referring introducer. We receive a percentage of the transaction fees Gemba charges your account. This continues for as long as you hold the account.
We do not receive a flat signup bounty. This matters: our income scales with how much you use the account, which means we only do well long-term if Gemba is actually the right fit for you. If you churn after three months because the product didn't suit you, we've earned very little. This aligns our interest with yours more than a per-head signup fee would.
You pay the same price as if you went to Gemba directly. We do not take a cut of your transaction, we receive a separate commission paid by Gemba from their margin. Your costs are unchanged.
If you open an account and later decide Gemba doesn't fit your needs, you can close it and switch with no penalty from us. We'll help you understand what alternative might suit better — see our comparison guide.
What Gemba sees and doesn't see
Gemba does not review, approve, or see our content before publication. Our editorial policy, comparison methodology, and feature descriptions are written independently. Gemba's product facts (pricing, features, capabilities) are verified against Gemba's own documentation, but the analysis and recommendations are ours.
This means we sometimes write things Gemba probably doesn't love: that their FX spread is higher than Wise for FX-only use cases; that FSCS safeguarding is weaker than bank deposit protection; that complex ownership structures can slow onboarding. We include those because they're true and because you need to know them before opening an account.
If you spot something factually wrong on any of our pages, email editor@financeb2b.co.uk with a correction. We will update promptly.