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IBAN Accounts for Simplified Financial Management

Issue unlimited accounts, with local IBANs, to streamline your transactions and build innovative experiences for your customers. With our IBAN account solutions, businesses can manage payments securely and swiftly across Europe.

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Unlimited Accounts

Open payment accounts instantly with Spanish IBANs for individuals, professionals, or businesses. Enjoy the flexibility of managing unlimited volumes without restrictions.

Operational convenience

Seamlessly receive and process payments in EUR across the SEPA zone using various payment methods. Our solution is fully automated, programmable, and accessible 24/7 for your convenience.

Built-in Regulatory Shield

As an authorized Electronic Money Institution, we manage all compliance requirements and ensure full protection of your funds with comprehensive guarantees.

Key Features

Simplify Accounting with Local IBAN Accounts

Streamline payments and reconciliation processes by automating operations and eliminating traditional banking challenges like manual workflows, delays, and limitations.

Our platform offers:


1 API, Multiple Payment Rails

Easily connect to trusted and secure payment systems:

  • Card Payments
  • SEPA Core and B2B Direct Debit
  • SEPA Credit Transfers (SCT)
  • A2A Payment Initiation (PSD2)


Automatic Reconciliation with virtual IBANs

Issue virtual IBANs to simplify customer reconciliation and segregate funds efficiently. Gain real-time transaction notifications to reduce administrative work and improve financial traceability.


Effortless Bulk Payouts

Speed up single or bulk transactions with simplified authentication processes, ensuring smooth and efficient payouts.


Risk Prevention Solutions

Leverage our bank aggregation tools to perform affordability assessments before initiating collections. This helps mitigate financial risks and reduces the chances of failed transactions.

Seamlessly Integrate IBAN Accounts into Your Apps

Offer a fully branded experience with IBAN accounts, designed to enhance your services and strengthen your brand identity.


White Label IBANs

Provide your customers with white-labeled Spanish IBANs, allowing you to deliver a seamless customer experience under your brand. With full functionality, these IBANs enable you to develop and manage your own financial services.


Automated Onboarding

Simplify customer onboarding with a fully digital process. Using our streamlined KYC solution with video recording and real-time AML checks, identity verification can be completed in under two minutes.


Access International Payment Rails

Connect effortlessly to secure and trusted payment systems in the SEPA zone, including:

  • Card Payments
  • SEPA Core and B2B Direct Debit
  • Standard SEPA Credit Transfers (SCT)
  • A2A Payment Initiation (PSD2)


Effortless Bulk Payouts

Enable customers to process bulk payouts with ease. With a single signature, they can initiate multiple payouts simultaneously, simplifying operations and saving time.

How it works

IBAN account creation is fully managed through our API, ensuring a fast and seamless integration process with the support of our technical team.

[
  {
    "wallet_id": "28cd89ed-3ee8-4d91-924b-ce9a31169e1c",
    "name": "My First Wallet",
    "balance": {
      "currency": "EUR",
      "amount": 10000
    },
    "outstanding_incoming_balance": {
      "currency": "EUR",
      "amount": 10000
    },
    "outstanding_outgoing_balance": {
      "currency": "EUR",
      "amount": 10000
    },
    "description": "Description of my first wallet",
    "status": "ACTIVE"
  }
]
1

Legal onboarding

Provide your company details for KYB validation, paired with automated video-KYC verification for your authorized representatives.

2

API Integration

Get dedicated support from our technical team to seamlessly integrate our API into your platform or product.

3

For Finance Teams

Begin issuing accounts for your financial operations and gain access to real-time updates on payment and collection statuses.

4

For Product Teams

Enable effortless bulk payouts by onboarding your users quickly and issuing accounts seamlessly to enhance their experience.

“Working with Unnax is a very comfortable and easy way to implement a development, in our case, on a neobank or a digital account, on something that is already built and that is already regulated. All that complexity is taken away from you and you can create a project on top of that layer of security, regulation, and technology that Unnax already has created”
testimonial
Pedro García
CEO & Founder - Unibo

Console

Easily configure your domains, client applications, webhooks, and connectors. Get full visibility into connection statuses.

Create an account and let us guide you

Set up a free sandbox in just a few clicks and use the guided wizard to test our API with real-world scenarios.

Configure

Customize the user flow to increase success rates. Select the features and banks you want to activate.

Monitor

Track back synchronization usage and monitor health status reports.

Analyze

View key metrics and trends to enhance your Open Finance experience (transaction amounts, users, conversion rates, etc.).
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Contact Us to Learn More

Ready to transform your business?
Get in touch with us today to learn how our solutions can transform your business and enhance your financial offerings.
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