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Issue, manage, and automate local EU IBANs on demand. Connect SEPA transactions to your B2B commercial processes and scale effortlessly with our developer-first banking API.
Create as many IBANs as you need, whether it’s 100 or 100,000, with instant API-driven issuance. Scale effortlessly and assign unique IBANs per user, invoice, or transaction.
Operate seamlessly across 27 EU countries with local IBANs. Eliminate cross-border payment friction and enable businesses to receive funds faster with zero IBAN discrimination.
Automate reconciliation and receive instant payment notifications via webhooks and API callbacks. Gain full visibility and control over your financial operations with developer-first tools.
Issue as many IBANs as needed, whether 100 or 100,000, with full control over each transaction.
Use case: A fintech platform generates IBANs on demand for its users, ensuring seamless fund tracking.
Get real-time status updates for every incoming and outgoing transaction.
Use case: An invoicing system updates order status immediately when payments are received.
Define automation rules for splitting, routing, and reconciling incoming funds.
Use case: A B2B SaaS platform auto-distributes client payments across various sub-accounts.
Enable white-label IBAN issuance for your users, turning your business into a bank-like platform.
Use case: A payroll service provides employees with individual IBANs for faster salary disbursement.
For companies looking for a reliable and simple Virtual IBAN-as-a-Service API, smartIBAN delivers a developer-first solution that scales effortlessly. Issue, manage, and automate IBANs in seconds, without complexity.
Expand across borders with local IBANs and FX-ready accounts.
Use case: A global marketplace allows buyers to pay in local currency while automating settlements in EUR.
Aggregate 27 local EU IBANs, eliminating IBAN discrimination and boosting acceptance rates.
Use case: A subscription business offers local IBANs to customers in multiple EU countries, increasing successful payments.
Why Choose smartIBAN?
smartIBAN IBAN-as-a-Service
API-Generated IBANs – Instantly issue and manage via API.
27+ Local IBANs – Scalable cross-border payments.
Instant Webhooks – Get real-time payment status.
Multi-Currency IBANs – Hold & convert 20+ currencies.
Lower SEPA Fees
Traditional IBANs
Manual Setup – IBANs created manually, slowing integration.
Limited Local IBANs – Often restricted to one country.
No Real-Time Updates – Payment tracking delays.
Limited Currency Support – Few currency options.
High Fees
How it works
Streamline global payments with local IBANs, instant alerts, and automated compliance—all through one intuitive platform.
Generate IBANs: Create unique IBANs instantly via API.
Receive Payments: Accept SEPA, SWIFT, and local bank transfers.
Automate Reconciliation: Get real-time IPNs for seamless tracking.
Manage Fund Flows: Define payment routing and split rules.
Integrate IBANs into your platform in just a few steps with our sandbox environment and comprehensive API docs. Scale effortlessly with a modular system designed for growth.
smartIBAN API
