Helm and Raenest, compared.
The same checklist applied to both. Raenest's figures are from its published pricing, read on 21 October 2026.
| Helm | Raenest | |
|---|---|---|
| Account currencies with local details | USD, EUR, GBP | USD (ACH, wire and SWIFT), GBP, EUR and NGN accounts |
| Account fee | Set for your volume, agreed in writing | Not stated on the business pages |
| Receive on local rails | Domestic transfer | Set case by case; Nigeria fee page: USD ACH 2 to 4 USD, EUR and GBP 0.8% (minimum 1.50, maximum 10) |
| Receive by SWIFT | Set for your volume, agreed in writing | Set case by case; Nigeria fee page lists incoming USD wires at 10 USD flat |
| Send by SWIFT | Set for your volume, agreed in writing | USD SWIFT payout 0.35% (minimum 50 USD, maximum 1,000 USD) per the payout fee page |
| Conversion | Set for your volume, agreed in writing | Varies by currency pair and is shown before converting; stablecoin to USD 0.5%, to other currencies 0.7% |
| Digital dollars | USDC and USDT | USDC and USDT: receive, hold, send and convert |
| Trade finance | Supplier, receivables and working capital | Not stated on the business pages |
| Named account manager | Every client | Not stated; business pages cite dedicated support and demo calls |
| Who can open | Companies registered outside the US in supported countries, after review | Registered companies in the US, UK, Canada, Nigeria, Kenya and Europe; unincorporated partnerships excluded |
Which one fits which business
Raenest is built for companies registered in the US, UK, Canada, Nigeria, Kenya and Europe that pay staff, contractors and vendors across Africa and beyond. It provides USD, GBP, EUR and NGN accounts, payouts by bank transfer and mobile money, cards, and USDC and USDT wallets. Like Raenest, Helm provides USD, EUR and GBP details in the company's own name, international payments to suppliers, collections from buyers, and USDC and USDT. The differences are trade finance arranged case by case and a named account manager for every client.
The checklist behind the table
The items above are the ones that decide what an account costs a trading business and whether it covers the whole trade. The guide to the best business bank account for importers explains each item; the exporters' guide covers the receiving side.
Open a Helm account
USD, EUR and GBP accounts, SWIFT and digital dollar payments, trade finance and a named account manager.
Open accountQuestions
Is Helm cheaper than Raenest?
It depends on your volume, currencies and rails. Helm sets pricing for each client and agrees it in writing before the account opens, so the fair test is Raenest's published fees against a Helm proposal for your own monthly pattern. The three fees that matter most to a trading business are the SWIFT fee, the conversion fee and anything deducted when you are paid.
Can I use Helm and Raenest together?
Yes. Many businesses hold more than one account. Helm account details in your company's name can be used alongside any other provider.
Where do these figures come from?
Helm agrees fees with each client before the account opens. Raenest's figures are from raenest.com/business/global-accounts, read on 21 October 2026. Fees change; check the provider's page before you decide.
Figures for Raenest are taken from its published pricing page on the review date and may change. Raenest is a trademark of its owner. This page is general information, not advice.