Early-bird offer: $0 setup fee and earn $200 when you transfer $10,000 within 45 days. Terms and conditions apply
Introducing Beacon 4 Business — The global account you have been waiting for
International payments in one place.
Affordable FX rates, lightning-fast transfers, and real human support.
Instant Delivery
Powered by RBI-regulated rails. Funds convert to INR and arrive within minutes.
Affordable Rates and No Hidden Fees
Get market-leading rates with full transparency. No funding fees, no markup surprises. Keep more of every dollar you send.
Pay Like a Local, 24/7
No more International wires – just enter the local bank details of your recipient and you are done.
Cashflow Friendly
Pre-fund payments, send on demand, and optimize timing based on rates. Control your cashflow, not your bank.
Best of Both Worlds
Gives your business a fintech partner regulated by bank of Canada and accounts at J.P.Morgan, the world’s largest bank.
You Asked, We Listened
Our most requested product is here. After helping thousands of individuals send money abroad smartly, we’ve built a business account that is cheaper, easier and purpose built for your needs.
Convert and Pay, Instantly
Tier – I Infrastructure
Your Money is at The World’s Largest Bank
Beacon 4 Business uses J.P. Morgan Accounts to hold your funds, combining the trust of the world’s largest bank with the simplicity and speed of a modern fintech.
No surprises, best rates.
Save Thousands With Market-Leading Rates
Cut cross-border costs with Beacon — the lowest fees in the market, no hidden charges, and FX rates that consistently beat banks and legacy providers.
Dedicated Support,
Built for Businesses
When you’re moving money across borders, support isn’t a nice-to-have — it’s critical.
Beacon gives you real humans, real availability, and real accountability.
Real humans, not chatbots
You get a dedicated relationship manager who understands your business and your payments. Need in-person help? Our team is part of the community and can meet you at your office.
Support on your terms
Reach us the way you prefer — WhatsApp, phone, email, or in person. We work around your schedule, not bank hours.
Transact anytime, fully digital
end payments digitally — even over $10K — with no branch visits. No bank holidays. No waiting.
We’re available 24/7, every day.
Ready to get started?
Whether you’re exploring or scaling, our advisors can tailor the right solution for your business in minutes.
Beacon vs Big Banks:
True Cost Matters
Compare the real cost of business payments. We’re fully transparent — and you’ll see why Beacon wins.
FAQs
Beacon 4 Business is a modern business banking and cross-border payments platform built for Canadian businesses that need to send and receive money domestically and internationally.
We offer:
- Multi-currency Canadian and international accounts
- Easy local funding options
- International payments using global and local rails
- Affordable FX rates with low service fees and no hidden charges
Beacon Business accounts are powered by Nium Pte. Ltd., a global payments company registered in Canada as both a Money Services Business and a Payment Service Provider. Client funds are safeguarded with regulated financial institutions in Canada (currently JPMorgan Chase), enabling businesses to transact across multiple countries and currencies with faster settlements and competitive exchange rates..
Yes. Security and compliance are central to how Beacon operates. Beacon is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business and with the Bank of Canada as a Payment Service Provider under the Retail Payment Activities Act. Client funds are held with JPMorgan Chase Bank, and deposits are eligible for protection through the Canada Deposit Insurance Corporation (CDIC) for up to CA$100,000 per deposit category, per member institution, providing an added layer of security for your business funds.
Currently, only registered Canadian businesses are eligible.
Eligible: Registered Canadian businesses, including federally or provincially incorporated corporations, sole proprietorships, partnerships (general or limited), and Canadian subsidiaries of foreign companies (with additional documentation).
Not supported currently: Unregistered or shell entities, crypto exchanges or wallets, NGOs with complex or opaque ownership structures, and businesses connected to politically exposed or sanctioned individuals or jurisdictions. Support for businesses registered outside Canada is coming soon.
Support for businesses registered outside Canada is coming soon.
You can fund your account using:
- Interac e-Transfer
- Local Canadian bank transfer
International funding options are coming soon.
Currently, you can send payments to businesses or individuals in India using their local bank account details. Beacon uses local Indian payment rails to ensure fast, reliable transfers.
Simply enter the recipient’s account information and select the appropriate transfer purpose (e.g., import of goods).
Please note that some recipient banks may restrict foreign inward remittances. If a payment is rejected, your funds will be refunded in full.
Support for additional countries is coming soon.
You can find all the terms and conditions in the Legal section of our website, and here.
