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Handle up to 1 million orders or clients with 1 million unique virtual IBANs—powered by rules-based wallets for splitting payments, reconciliation, and more.
Welcome to our website, where you can learn more about our upcoming services. Please note that we are not yet operational and are not accepting clients at this time. However, we invite you to explore our open positions. smartIBAN is not a bank and does not intend to become one.
Unlock the Power of smartIBAN
Why settle for outdated payment methods when your virtual IBAN can do so much more?
Turn every SEPA payment into a real-time event. Get instant notifications, automate workflows, and integrate seamlessly with your business stack.
Cut costs by switching from high card fees to low-cost bank transfers. Enjoy faster settlements, more control, and full compliance.
Automate payouts, splits, or escrow with custom logic—whether it's sending payouts on trigger events or holding funds until delivery.
Enable frictionless payments across 27 countries with local virtual IBANs. No blocks, no borders—just seamless transactions.
Build, integrate, and scale without constraints. Developers love our API-first approach, and CFOs trust our financial-grade security.
Seamlessly embed our API into your platform—your brand, your UI, no conflicts. Offer fully customized payment experiences.
The smartIBAN Difference
A better alternative to traditional banking.
smartIBAN
Instant IPNs
27 local virtual IBANs
Rules-based transfers & autonomy
No Chargebacks. Lower fees.
Fraud free, compliant bank payments.
Traditional banking
Slow SEPA confirmations
IBAN country discrimination
Manual workflows
Card fees & fraud
Chargebacks and high fees
How it works
Streamline global payments with local virtual IBANs, instant alerts, and automated compliance—all through one intuitive platform.
Send payments instantly from any EU bank account.
Receive payments with a unique virtual IBAN per transaction.
Set rules for how money moves, automatically.
Use our API to integrate seamlessly with your business.
For Industries That Move Fast
Auto-split fares between drivers and fleet managers in seconds using programmable rules.
Reconcile orders instantly and release funds upon delivery confirmation via real-time IPNs.
Enable compliant sub-accounts for freelancers or sellers, ensuring transparency and trust.
Support multi-vendor baskets and automate global payouts seamlessly through programmable workflows.
Virtual IBANs are account numbers that route payments into one master account without opening separate bank accounts. Each client, invoice, or transaction gets its own IBAN, so every incoming SEPA payment identifies itself. B2B teams use them to automate reconciliation and payouts at scale.
A regular bank account holds funds and needs separate onboarding for every account you open. A virtual IBAN is a reference number on top of one master account: it receives and routes payments like a normal IBAN, but you can issue thousands of them in seconds through an API, one per customer or order.
Every customer or invoice pays into its own virtual IBAN, so the sender identifies itself by the account it pays into. Matching happens on arrival instead of at month-end. Finance teams skip manual bank-statement matching and see which invoice was paid the moment the transfer lands.
Standard SEPA credit transfers settle in up to one business day. SEPA Instant transfers arrive in seconds, around the clock. smartIBAN sends an instant payment notification the moment funds reach a virtual IBAN, so your platform reacts in real time instead of waiting for bank statements.
No. When you work with a provider that carries the regulatory infrastructure, the license burden stays with the provider. smartIBAN issues local virtual IBANs in 27 EU countries and handles the compliance layer, so platforms embed accounts and wallets without becoming a licensed e-money institution.
Virtual IBANs from smartIBAN come through one API integration. You connect once, then create IBANs per client, order, or invoice on demand. Book a demo.