Virtual IBAN Account for Business
Get a UK or European IBAN for your business without opening a traditional bank account. Fast digital onboarding, full FCA regulation, dedicated support.
40+ Currencies in One Account
Hold USD, CHF, PLN, SEK, and 40 more currencies in one account. Accept payments in any currency, convert when rates suit you.
- No forced conversions.
- No hidden FX fees.
- Exchange at mid-market rates.
Benefits of Virtual IBAN for Your Business
No Physical Branch Required
Open and manage your business account entirely online. No need to visit a branch or maintain a physical banking presence.
Multi-Currency Support
Hold and exchange 40+ currencies in one account. Send and receive payments internationally with competitive FX rates.
Lower Costs
No hidden fees. Transparent pricing for transfers and currency exchange. Free to receive payments.
UK IBAN
Get a UK IBAN with sort code and account number. Accept UK payments via Faster Payments (settles in hours), BACS (3 days), and CHAPS (same-day for urgent transfers).
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European IBAN
Receive a European IBAN for SEPA & SWIFT payments. Accept EUR from 36 European countries at low cost and 40+ currencies globally.
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Perfect for Modern Businesses
Send and Receive Payments with Your Virtual IBAN
Receive Your IBAN
Once approved, you get your dedicated UK or European IBAN. Share these details with customers and suppliers.
Accept Payments
Customers send payments to your IBAN via bank transfer (Faster Payments, SEPA, SWIFT). Funds arrive in your account.
Make Payments
Send payments to suppliers and partners globally in 40+ currencies through SWIFT, SEPA, and local payment networks.
Manage Everything Online
View transactions, send payments, exchange currencies, and manage your account from your dashboard or mobile app.
Frequently asked questions
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What is a virtual IBAN?
A virtual IBAN is a fully functional business account number that allows you to send and receive payments without a traditional physical bank account.
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Is a virtual IBAN a real bank account?
Yes. Your virtual IBAN functions exactly like a traditional bank account for sending and receiving payments. The difference is the account is digital-only with no physical branch.
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Can I receive payments to a virtual IBAN?
Yes. Your virtual IBAN receives payments just like any traditional IBAN via bank transfers, SWIFT, SEPA, and Faster Payments.
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Which currencies can I use?
You can hold and transact in 40+ currencies including GBP, EUR, USD, CHF, SEK, and more.
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Do I need to be a UK company?
No. We serve businesses registered in multiple jurisdictions. Available countries depend on your business type and industry.
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How long does account opening take?
Most applications are approved within 1–3 business days after submitting required documentation.
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What documents do I need?
Company registration documents, director ID, proof of address, and beneficial ownership information.