Personal accounts

Enhance customer experience with personal IBAN account online

Provide your clients with a personal IBAN account online as part of your embedded finance solution. Enable them to hold, send, and receive funds in multiple currencies seamlessly while you maintain full control of the user journey.

Contact sales

Enhance customer experience with personal IBAN account online

The strategic advantage of a personal IBAN account

In a digital first economy, users demand financial features that are deeply integrated into the platforms they use every day. By offering a personal IBAN account online, you transform your platform from a simple service provider into a comprehensive financial ecosystem. This literal account structure provides each user with their own unique banking identifier, significantly reducing reconciliation errors and building a higher level of institutional trust than traditional virtual aliases.

Easy to send and receive payments worldwide

Make it simple for your clients to open an IBAN account online to hold, send, and receive funds in 80+ currencies. By integrating our infrastructure, you provide your users with a comprehensive financial hub that supports both domestic SEPA transfers and global SWIFT payments.

Support for 80+ global currencies

Your clients will appreciate the flexibility of a truly multi-currency environment. ConnectPay’s personal IBAN account solutions are compatible with major and local currencies, including:

Majors: EUR, USD, GBP, CHF, and JPY.
Regional leaders: AUD, CAD, HKD, SGD, PLN, and more.
Seamless exchange: Users can hold multiple balances and convert funds at competitive rates within your interface.

Flexible limits for user autonomy

Empower your clients to manage their own transaction thresholds via your online banking interface or mobile app. Providing user-managed limits increases platform convenience while reducing the manual workload for your customer support team.

Onboarding and compliance managed by experts

Regulatory adherence is the most complex hurdle in financial services. We remove this burden by acting as your compliance partner.

Automated KYC: We handle the digital identity verification and onboarding for your users.
AML and CTF monitoring: Our systems perform real-time screening to protect your ecosystem from financial crime.
Regulatory reporting: We manage all necessary data submissions to financial authorities, ensuring your service remains fully compliant.

More about Embedded Compliance

Your funds are secure with ConnectPay

We’re ISO/IEC 27001 and ISO 22301:2019 certified. To receive them, all of our information security policies and processes were rigorously audited. And to keep these certificates, they are checked by external auditors every year. This means you know we have the right security controls and procedures in place needed to keep your data safe.

Personal debit cards

Expand your banking horizons by incorporating VISA debit cards into your services, ensuring a truly comprehensive and versatile financial experience for your clients.

More about Personal Cards

Personal IBAN account FAQs

How do I open an IBAN account online for my customers?

As a platform partner, you can open an IBAN account online for your users via our developer-friendly API. Once your business is onboarded, creating individual accounts for your clients can be fully automated within your user registration flow.

What is the difference between a dedicated personal IBAN account and a virtual IBAN?

A dedicated personal IBAN account is a standalone account where funds are segregated at the bank level in the user’s name. A virtual IBAN is often an alias used for routing funds to a master account. Dedicated accounts generally offer higher trust and cleaner audit trails for long-term user balances.

Can a personal IBAN account receive funds from third parties?

Yes. Because these are “named” accounts, your users can receive salary payments, transfers from friends, or business payouts directly to their IBAN. The sender will see the user’s name as the account holder, mirroring a traditional bank experience.

Is there a limit to how many personal accounts I can issue?

Our infrastructure is built for scale. Through our API, you can issue thousands of accounts to support a growing user base, whether you are building a neobank, a freelance platform, or a travel app.

Are funds in these accounts safe?

Absolutely. As a licensed EMI, we are required to safeguard client funds in segregated accounts at reputable central or commercial banks. These funds are never commingled with our own operational capital and remain protected even in the event of institutional insolvency.