Virtual IBAN
Give every client their own IBAN
A virtual IBAN routes incoming payments straight to your master account, each one named to a client, currency or business line, so the money reconciles itself the moment it lands.
Example details shown for illustration.
One account underneath
Many IBANs in, one balance to manage
Open as many virtual IBANs as you need. Every payment settles into the same master account, tagged to the IBAN it arrived on.
Why teams use them
Cleaner books, without a bank per client
Automatic reconciliation
Because each payer sends to a unique IBAN, you know who paid without matching references by hand.
Local details, global reach
Give clients an account number that looks and behaves like the one they'd expect, in the currency they pay in.
Structure without overhead
Separate clients, subsidiaries or product lines on paper, while everything settles into one balance you control.
How it works
Live in three steps
Open your master account
Set up a multi-currency Elibrium account, usually within about a day.
Generate virtual IBANs
Create a named IBAN for each client, currency or entity, from the dashboard or the API.
Share and get paid
Payers send to their IBAN; funds land in your master account, already tagged for reconciliation.
Questions
Virtual IBANs, answered
What exactly is a virtual IBAN?
It's a real, routable IBAN that points to an underlying master account rather than a separate bank account. Money sent to it settles into your master balance, identified by the IBAN it was sent to.
How is it different from opening lots of bank accounts?
You get the reconciliation benefit of a per-client account number without the cost and admin of opening and maintaining many standalone accounts.
Can I get IBANs in more than one currency?
Yes, assign IBANs by currency and business line, all feeding the same multi-currency master account.
Do payments arrive any slower?
No. Euro payments settle over SEPA and SEPA Instant, and worldwide payments over SWIFT and TARGET2, the same as any account.
Turn every incoming payment into a reconciled one
Open a master account and start issuing named IBANs to your clients today.