Stripe Treasury
stripe.com
What it is
Stripe Treasury combines banking and payments functions so businesses can receive, store, send, and spend funds in one place. Stripe says businesses can open an account in minutes and access settled Stripe payment balances instantly. The service supports USD, OUSD, GBP, and EUR balances, instant currency conversion starting at 0.5% of the converted amount, and payouts to 160+ countries through traditional and stablecoin networks; payout and FX fees may apply. Virtual and physical debit cards include spending limits, reporting, real-time authorization controls, and 2% cashback, subject to exclusions for cash-like, high-risk resale, gambling, and government payment transactions. Xero and QuickBooks integrations, balance and transaction reporting, and automated reconciliation support accounting workflows. Treasury also supports agent workflows through Stripe’s Model Context Protocol, including paying invoices, moving funds, converting currencies, and issuing cards. ACH funding is included, wire funding is $2.00 per wire, and there are no storage fees or minimum balance requirements. Stripe is a financial technology company, not a bank; checking accounts are provided exclusively by Fifth Third Bank, National Association. Eligible USD funds there may be insured up to $250,000 per depositor, per institution, subject to conditions.
Spec sheet
- What it does
- Stripe Treasury combines business banking and payments so companies can receive, hold, send and spend money in Stripe.Read 15 Oct 2026 · stripe.com
- Purpose
- Stripe Treasury combines banking and payments so businesses can receive, store, send, and spend funds in one place.Read 4 Oct 2026 · stripe.com
- Audience
- Stripe says Treasury is built for startups and growing businesses that want to simplify their financial stack and financial operations.Read 4 Oct 2026 · stripe.com
- Headquarters
- South San Francisco, California, and Dublin, IrelandRead 28 Sep 2026 · stripe.com
- Company
- Stripe, LLC is a privately held company founded in 2010 with headquarters in South San Francisco and a stated 5,001–10,000 employee range.Read 15 Oct 2026 · linkedin.com
- 2026 product news
- Stripe's April 29, 2026 Sessions announcement described Treasury expansion to 15 currencies, instant US business transfers, rewards and broader stablecoin and agent features.Read 15 Oct 2026 · stripe.com
- Account access
- The product page says businesses can open an account in minutes and access settled Stripe payments balances instantly.Read 4 Oct 2026 · stripe.com
- Accounting integrations
- Treasury lists Xero and QuickBooks integrations plus reporting and automated reconciliation.Read 15 Oct 2026 · stripe.com
- Agent automation
- Stripe MCP lets agents inspect cash flow, pay vendors, move money, convert currencies and issue cards within approval limits.Read 15 Oct 2026 · stripe.com
- API coverage
- Treasury APIs cover financial accounts, features, transactions, entries, outbound transfers and outbound payments.Read 15 Oct 2026 · docs.stripe.com
- API documentation
- Stripe documents monthly API releases, twice-yearly major releases and a current 2026-09-30.endive version.Read 15 Oct 2026 · docs.stripe.com
- API object
- The FinancialAccount API object is separate from a Stripe Payments balance and exposes balances, currencies, addresses and status.Read 15 Oct 2026 · docs.stripe.com
- Australia launch
- Stripe announced Treasury availability in Australia on August 19, 2026, including AUD, USD, GBP and EUR balances and conversion among 10 currencies.Read 15 Oct 2026 · stripe.com
- Automation
- Treasury supports agent workflows through Stripe’s Model Context Protocol, including paying invoices, moving money, converting currencies, and issuing cards.Read 4 Oct 2026 · stripe.com
- 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.Read 4 Oct 2026 · stripe.com
- Cards
- Treasury includes virtual and physical debit cards with spending controls, real-time authorization and cardholder management.Read 15 Oct 2026 · stripe.com
- Cashback limits
- Cash-like, high-risk resale, gambling, and government payment transactions are not eligible for cashback.Read 4 Oct 2026 · stripe.com
- 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.Read 4 Oct 2026 · stripe.com
- Deposit protection
- US Treasury USD balances are described as FDIC-insured up to $250,000, subject to pass-through eligibility and the applicable bank arrangement.Read 15 Oct 2026 · stripe.com
- Eligibility
- Treasury access is being phased to eligible accounts in the US, UK, EU and Australia, with eligibility determined per Stripe account.Read 15 Oct 2026 · support.stripe.com
- Funding fees
- Stripe lists ACH funding as included and wire funding at $2.00 per wire, with no storage fees or minimum balance required.Read 4 Oct 2026 · stripe.com
- Funding methods
- Users can fund accounts through ACH, wires, direct deposit and supported stablecoin flows.Read 15 Oct 2026 · stripe.com
- Funding profile
- Crunchbase lists Stripe as active, for-profit, founded by John and Patrick Collison, with 24 funding rounds and 75 investors.Read 15 Oct 2026 · crunchbase.com
- Global payouts
- Treasury supports one-time or recurring payouts to more than 160 countries.Read 15 Oct 2026 · stripe.com
- Hosting model
- Treasury is a proprietary Stripe-hosted service; Stripe provides no self-hosted Treasury distribution.Read 15 Oct 2026 · stripe.com
- Instant balance access
- Settled Stripe Payments earnings can move into Treasury immediately without an external bank transfer.Read 15 Oct 2026 · stripe.com
- Limit: account restrictions
- Trustpilot and app reviewers repeatedly report sudden account closures, frozen balances, delayed payouts and difficulty reaching a human support agent.Read 15 Oct 2026 · trustpilot.com
- Limit: risk reserves
- A UK Financial Ombudsman decision records Stripe applying a reserve after a risk review, restricting access under its account terms.Read 15 Oct 2026 · financial-ombudsman.org.uk
- Limit: support and fees
- GetApp reviewers mention a learning curve for advanced setups, inconsistent support and cumulative transaction or add-on fees.Read 15 Oct 2026 · getapp.com
- Mobile requirements
- The Stripe Dashboard iPhone app requires iOS 16.4 or later; its Mac compatibility requires macOS 12 or later with Apple silicon.Read 15 Oct 2026 · apps.apple.com
- Multicurrency
- Accounts can hold USD, OUSD, GBP and EUR balances and convert currencies instantly.Read 15 Oct 2026 · stripe.com
- Payment rails
- Sending options include same-day ACH, domestic and international wires, scheduled payouts, card payouts and stablecoin wallet payouts.Read 15 Oct 2026 · stripe.com
- Platforms offering Treasury
- Treasury for Platforms provides embedded accounts for platforms including Shopify, Instacart, and Arc.Read 4 Oct 2026 · stripe.com
- Praise: API reliability
- Gartner reviewers describe Stripe's API as clean and predictable and praise its uptime and reliability.Read 15 Oct 2026 · gartner.com
- Praise: usability and integrations
- Independent reviewers repeatedly praise Stripe's intuitive dashboard, straightforward setup, reliable processing and broad integrations.Read 15 Oct 2026 · getapp.com
- Rating on Apple App Store
- 4.7 out of 5 from 69K ratingsRead 15 Oct 2026 · apps.apple.com
- Rating on Capterra
- 4.6 out of 5 from 3,381 reviewsRead 15 Oct 2026 · capterra.com
- Rating on G2
- 4.4 out of 5 from 1,266 reviewsRead 15 Oct 2026 · g2.com
- Rating on Gartner Peer Insights
- 4.5 out of 5 from 131 Stripe reviews across listed marketsRead 15 Oct 2026 · gartner.com
- Rating on GetApp
- 4.6 out of 5 from 3,387 reviewsRead 15 Oct 2026 · getapp.com
- Rating on Google Play
- 4.2 out of 5 from 33.8K reviewsRead 15 Oct 2026 · play.google.com
- Rating on Trustpilot
- 1.5 out of 5 from 18K reviews (17,547 all reviews shown)Read 15 Oct 2026 · trustpilot.com
- Rating on TrustRadius
- 9 out of 10 from 368 reviews and ratingsRead 15 Oct 2026 · trustradius.com
- Regulatory limitation
- Stripe says it is not a bank, holds funds custodially, pays no interest unless stated, and may hold or limit transactions.Read 15 Oct 2026 · stripe.com
- Rewards
- Stripe advertises 2% cashback on Mastercard purchases and annual processing-fee credits equal to 1% of balances above $2,000.Read 15 Oct 2026 · stripe.com
- SDK licensing
- The public Stripe Python SDK and OpenAPI specification use the MIT license, while stripe-dotnet uses Apache-2.0.Read 15 Oct 2026 · github.com
- SDKs
- Stripe publishes official SDKs including Python, Node, Java, PHP, Ruby, .NET, iOS and Android libraries.Read 15 Oct 2026 · github.com
- Security controls
- Stripe states that it is PCI DSS Level 1, provides SOC reports on request, encrypts data in transit and at rest, and uses mutual TLS internally.Read 15 Oct 2026 · stripe.com
- Treasury for platforms
- Platforms can embed financial accounts, cards, payouts and bill-pay capabilities while Stripe handles onboarding and KYC/KYB workflows.Read 15 Oct 2026 · stripe.com
Plans and prices
ACH funding Free ACH funding included Read 15 Oct 2026 · stripe.com
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 Read 4 Oct 2026 · stripe.com
Treasury account Free No opening fee · no storage fee · no minimum balance Read 15 Oct 2026 · stripe.com
Treasury cards Free Included with Treasury · no cross-border or FX fees Read 15 Oct 2026 · stripe.com
Instant currency conversion $0.50, paid once starting at 0.5% Currency conversion Read 15 Oct 2026 · stripe.com
Domestic payout $1.50, paid once $1.50 plus 0.75% with a $0.50 minimum Bank or debit payouts Read 15 Oct 2026 · stripe.com
International payout $1.50, paid once $1.50 plus cross-border fees from 0.25% and FX from 0.5% International payouts Read 15 Oct 2026 · stripe.com
Wire funding $2, paid once per wire Funding wires Read 15 Oct 2026 · stripe.com
Strong points and limits
Strong points
- Supports balances in USD, OUSD, GBP, and EUR.
- Payouts reach 160+ countries.
- Includes Xero and QuickBooks integrations.
- No storage fees or minimum balance required.
- ACH funding is included.
Limits
- Wire funding costs $2.00 per wire.
- Instant currency conversion starts at 0.5% of the converted amount.
- Payout and FX fees may apply.
- Cashback excludes several transaction categories.
Who it suits
Treasury is aimed at startups and growing businesses seeking to simplify financial operations. Platforms can also use Treasury for embedded accounts, including Shopify, Instacart, and Arc.
Verdict
Treasury combines accounts, payments, cards, and accounting workflows, with no storage fees or minimum balance requirement. It is a financial technology service, not a bank, and checking accounts are provided by Fifth Third Bank, National Association.
Where Specifiction places it
- Banking-as-a-Service Platforms#2 of 318.7
