Register as a company

Registration Preparation

Start the Sunrate Account Registration

• Select your location, enter your email address and mobile number, then input the verification code sent to your provided contact information.

  *If the code is not received within a reasonable timeframe, kindly check your spam or junk folder. Should the issue persist, please contact our customer support team at support@sunrate.com.

• Enter the password you would like to use for future logins, confirm the password, and click Register Now to proceed to the next page.

• On the next page, select Business and click Start.

Complete Business Verification

1. Fill in your business information

• Fill in your company's latest information as required, upload clear and complete business registration documents, and then click Save and Continue.

2. Fill in your corporate structure

• Provide information of the director and individual shareholders holding 25% or more of the shares. Select the document type and upload the corresponding photo or scanned copy before clicking Save and Continue.

*If the shareholder is a corporation (other than a listed company), the ultimate beneficial owners with 25% or more shareholding must be identified. For multiple qualifying shareholders, click to add additional IDs.

3. Select nature of business

• Choose the primary account purpose and account functions that match your business needs (account functions may be selected in multiple) the most, before clicking Save and Continue.

*If your funding comes from both B2B trade and e-commerce, please choose the primary source of funding.

4. Fill in registrant identity

• If you are the director or a shareholder of the company, enter your name and click Save and Continue.

• If you are not a director or shareholder of the company, please select Others, enter your personal information, upload authorization letter and click Save and Continue.

*The authorization letter template can be downloaded directly from the system.

5. Review and submit the information.

• Please review all the information you've entered. Once you've confirmed everything is correct, click Submit. We'll complete the review within 1–3 business days and inform you of the outcome by email and SMS.

• Once your verification is complete, you can get a head start by filling out the information in the Quick start for beginners. This way, once your account is approved, you’ll be able to use your account immediately.

FAQs (Frequently Asked Questions)

1. Why should I use Sunrate?

You’d use Sunrate if you need a reliable, cost-effective, and compliant way to manage international payments and business finances — especially if your operations span multiple countries. Recognised in CNBC’s World’s Top Fintech Companies 2025 and ranked among the Top 100 Cross-Border Payment Companies by FXC Intelligence, Sunrate is a comprehensive, efficient, and user-friendly one-stop platform.

Here's why you will find our platform helpful in many ways:

• Lower Costs & Better FX Rates

Sunrate typically offers competitive foreign exchange rates and lower transaction fees compared to traditional banks, which can mean significant savings on cross-border payments.

• Speed & Efficiency

Payments to partners, suppliers, or employees overseas can be completed much faster, sometimes even same-day depending on the currency and destination.

• Global Reach

You can send and receive money in multiple currencies, access local payment networks, and settle transactions in over 100+ countries.

• Compliance & Security

Licensed in multiple jurisdictions (including MAS in Singapore and Bank Negara Malaysia), with strict AML/KYC protocols to ensure transactions are safe and compliant.

• Integrated Business Tools

Multi-currency accounts, automated reconciliation, virtual cards, and API integrations for ERP or e-commerce platforms make financial operations smoother.

• Dedicated Support

A human-backed relationship — you get account managers and support teams who understand your business and regional market nuances.

• Scalability

Whether you’re a startup, SME, or multinational, Sunrate’s infrastructure can scale with your expansion into new markets.

Secure, compliant, and globally connected - Sunrate delivers a holistic, user-friendly for all your cross-border payment and treasury management needs.

2. How is Sunrate licensed and regulated?

As of July 2026, Sunrate is duly licensed and registered as stated within each jurisdiction with the following licenses:

Singapore

Licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution (MPI) and Capital Markets Services (CMS) provider.

Hong Kong

Licensed by the Hong Kong Customs and Excise Department (HKCE) as a Money Services Operator (MSO).

Mainland China

Licensed by the People’s Bank of China (PBOC) as a Payment Business.

Philippines

Registered with the Bangko Sentral Ng Pilipinas as an Operator of Payment System (OPS)

Malaysia

Licensed by Bank Negara Malaysia (BNM) as a Money Services Business (MSB).

Australia

Registered with the Australian Securities and Investments Commission (ASIC) as a foreign entity and the Australian Transaction Reports and Analysis Centre (AUSTRAC) as an independent remittance service provider.

United Kingdom

Sunrate Partners UK Limited is regulated by the Financial Conduct Authority of the United Kingdom and holds an Electronic Money Institution license.

Indonesia

Licensed by Bank Indonesia (BI) as a Payment Service Provider (PJP).

United States of America

Registered with the Financial Crimes Enforcement Network (FinCEN) in the USA as a Money Service Business (MSB).

Canada

Registered with the Financial Transactions and Reports Analysis Centre (FINTRAC) of Canada as a Foreign Money Service Business (FMSB).

For more information on the regulatory information, please visit our Regulatory information page.

3. Who can open an account with Sunrate?

Sunrate supports businesses and individual sellers (currently, only in Vietnam) who conduct business transactions where goods or services are sold. Our focus is on facilitating cross-border business payments, making them simpler, safer, less costly, and more transparent. At the moment, we offer the following account types.

• Business Accounts: For legally registered businesses of various sizes and industries. There are currently 2 versions of business accounts – ‘General’ and ‘Professional’, to better serve different business needs.

• Individual Accounts: Specifically for sellers in China and Vietnam who operate as individuals.

It's important to note that due to varying regulations and internal policies, certain business types and transactions may not be supported. These limitations can be related to industry, location, or the nature of the goods/services offered. To understand if your business is eligible, please initiate the application process or contact our support team at support@sunrate.com.

4. What should I do if registration fails?

Should you experience any difficulties during the registration process, we kindly request that you verify the accuracy and completeness of the information provided and ensure that all submitted documents meet the specified requirements.

For further assistance, please do not hesitate to contact our customer support team at support@sunrate.com or your dedicated business development representative.

5. How long does the review process take?

The review process typically takes 1-3 business days, but it may vary depending on the nature of your business. The results will be notified via SMS and email.