What are the advantages of using an IBAN4U account?

An IBAN4U account gives your business speed, flexibility, and confidence in how you manage payments. As a licensed European electronic money institution operating for over 11 years, FinXP is founder-owned, led by seasoned financial services professionals, and trusted by tier-1 companies in industries such as e-commerce, fintech, and online marketplaces.

With IBAN4U, you can send and receive SEPA Instant payments, helping you settle invoices faster and improve cash flow. Your account is opened directly by FinXP, not through an intermediary, which means faster support and greater peace of mind. Accounts are dedicated and in your company’s name, providing full transparency and ownership.

Beyond SEPA, you can make payouts to many other countries in their local currencies, including the USA, UK, Switzerland, Denmark, Norway, Japan, and more. Each account comes with a linked debit card, with the option to issue additional cards for your team. You can also receive funds from approved crypto exchanges, giving your business access to crypto payment rails.

Key benefits at a glance:

  • SEPA Instant transfers, 24/7
  • FinXP is the account issuer (not an intermediary)
  • Dedicated account in the client’s name
  • Make payouts beyond SEPA to multiple countries and currencies
  • Linked debit cards for easy access to funds
  • Accept funds from approved crypto exchanges
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