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Stripe Treasury
South San Francisco, California, and Dublin, Ireland
What it is
Stripe Treasury combines banking and payments functions so businesses can receive, store, send, and spend funds in one place. Offered through API and web, it is aimed at startups and growing businesses seeking to simplify financial operations. Stripe says businesses can open an account in minutes and access settled Stripe payment balances instantly. Treasury supports USD, OUSD, GBP, and EUR balances, with instant conversion starting at 0.5% of the converted amount; payout and foreign-exchange fees may also apply. Payouts can reach 160+ countries through traditional and stablecoin networks. Virtual and physical debit cards include spending limits, reporting, real-time authorization controls, and 2% cashback, with some transaction types excluded from cashback. Xero and QuickBooks integrations, balance and transaction reporting, and automated reconciliation support accounting workflows. Agent workflows through Stripe’s Model Context Protocol can handle tasks such as paying invoices, moving money, currency conversion, and issuing cards. ACH funding is included, while wire funding costs $2.00 per wire; there are no monthly or 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 held there may be insured up to $250,000 per depositor, per institution, subject to conditions.
For and against
For
- Supports USD, OUSD, GBP, and EUR balances
- Payouts reach 160+ countries
- Includes virtual and physical debit cards
- ACH funding is included
Against
- Instant currency conversion starts at 0.5%
- Wire funding costs $2.00 per wire
- Some transactions do not qualify for cashback
- Checking accounts are provided by Fifth Third Bank
The verdict
Treasury brings balances, payouts, cards, and accounting features into one business offering, with stated fees for conversion and wire funding. Businesses should note the banking provider and the conditions attached to deposit insurance and cashback.
Who it suits
Treasury is intended for startups and growing businesses that want to combine business funds, payouts, cards, and accounting workflows. Its API and embedded-account options may suit platforms offering financial services to their users.
Plans and prices
Treasury cards
Included with Treasury · no cross-border or FX fees
Read 15 Oct 2026 · stripe.com
ACH funding
ACH funding included
Read 15 Oct 2026 · stripe.com
Treasury account
No opening fee · no storage fee · no minimum balance
Read 15 Oct 2026 · stripe.com
Instant currency conversion
Currency conversion
Read 15 Oct 2026 · stripe.com
Domestic payout
Bank or debit payouts
Read 15 Oct 2026 · stripe.com
International payout
International payouts
Read 15 Oct 2026 · stripe.com
Wire funding
Funding wires
Read 15 Oct 2026 · stripe.com
Treasury
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
On the record
- 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.stripe.com · read 15 Oct 2026
- Account access
- The product page says businesses can open an account in minutes and access settled Stripe payments balances instantly.stripe.com · read 4 Oct 2026
- Accounting integrations
- Treasury lists Xero and QuickBooks integrations plus reporting and automated reconciliation.stripe.com · read 15 Oct 2026
- Agent automation
- Stripe MCP lets agents inspect cash flow, pay vendors, move money, convert currencies and issue cards within approval limits.stripe.com · read 15 Oct 2026
- API coverage
- Treasury APIs cover financial accounts, features, transactions, entries, outbound transfers and outbound payments.docs.stripe.com · read 15 Oct 2026
- API documentation
- Stripe documents monthly API releases, twice-yearly major releases and a current 2026-09-30.endive version.docs.stripe.com · read 15 Oct 2026
- API object
- The FinancialAccount API object is separate from a Stripe Payments balance and exposes balances, currencies, addresses and status.docs.stripe.com · read 15 Oct 2026
- Audience
- Stripe says Treasury is built for startups and growing businesses that want to simplify their financial stack and financial operations.stripe.com · read 4 Oct 2026
- Australia launch
- Stripe announced Treasury availability in Australia on August 19, 2026, including AUD, USD, GBP and EUR balances and conversion among 10 currencies.stripe.com · read 15 Oct 2026
- Automation
- Treasury supports agent workflows through Stripe’s Model Context Protocol, including paying invoices, moving money, converting currencies, and issuing cards.stripe.com · read 4 Oct 2026
- 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.stripe.com · read 4 Oct 2026
- Cards
- Treasury includes virtual and physical debit cards with spending controls, real-time authorization and cardholder management.stripe.com · read 15 Oct 2026
- Cashback limits
- Cash-like, high-risk resale, gambling, and government payment transactions are not eligible for cashback.stripe.com · read 4 Oct 2026
- 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.linkedin.com · read 15 Oct 2026
- 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.stripe.com · read 4 Oct 2026
- 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.stripe.com · read 15 Oct 2026
- Eligibility
- Treasury access is being phased to eligible accounts in the US, UK, EU and Australia, with eligibility determined per Stripe account.support.stripe.com · read 15 Oct 2026
- Funding fees
- Stripe lists ACH funding as included and wire funding at $2.00 per wire, with no storage fees or minimum balance required.stripe.com · read 4 Oct 2026
