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Receive multi-currency payments from your customers
Pay your supply chain in many currencies
Make payments globally
Use SWIFT and SEPA
Tailor the way you pay to your business needs
Get real-time confirmation
Automate bulk and on-demand payments
No separate processes needed
Send money across the world
Open an account without hassle
No hidden fees, strong security and data protection. Easy and quick self-service.
Save costs big time
One IBAN account with more than 24 currencies - instead of one account for each currency. No more FX charges for same-currency flows.
Reach across the world
Send and receive payments from and to your Luxembourg account to more than 150 countries.
Stop juggling systems
One-click access to a fully customizable dashboard, with team permission control and built-in analytics.
Discover our currency capabilities
Download the full list of available currency pairs
Your peace of mind:
our priority
Five-star client support
Any questions? You don't have to talk to a chatbot—we are human! Our experts are here to help you breeze through currency and cross-border complexities. Every step of the way.
Fast and reliable
Get the most out of your online payments and collections. COMO Digital Life delivers your payments as fast as possible.
Connect with your ERP
Your insights, based on reliable and real-time data
Error-free data transfer of payments and banking reports within your business software.
Maximize value-added data to respond effectively to regulatory issues, improving risk assessment.
Save time and drive business decisions with a full report of all payments and transactions.
The magic of COMO
360º VIEW OF YOUR CASHFLOW
Take control of business efficiency with smart reconciliation and tech-driven analytics. View all your currency accounts, liquidity and more in real time, in one place.
COMO Digital Life is a bank challenger, not a traditional bank. While COMO offers much of the same functionality as a bank, we belong to a different category known as a payment institution. COMO clients get access to a rich array of payment and banking services, without having to commit to any traditional bank in particular.
On the other hand, there are certain banking products that COMO cannot offer, such as providing loans, issuing credit cards, offering saving accounts, and accepting deposits.
For a payment institution, holding your money is not the same as it is for a bank. By law, COMO is required to keep all our clients’ money separate from our own funds. Known as the safeguarding mechanism, this means all your funds are held separately, with carefully selected correspondent banks in Europe. COMO does not generate loans, speculative instruments, or investment risk. No client funds are ever loaned, leveraged, or invested. All your money is always immediately available upon demand.
Your IBAN multi-currency account supports the following currencies: UAE Dirham (AED), Australian dollar (AUD), Canadian dollar (CAD), Swiss franc (CHF), Chinese Yuan CNH, Czech koruna (CZK), Danish krone (DKK), Euro (EUR), British pound sterling (GBP), Hong Kong dollar (HKD), Hungarian forint (HUF), Israeli new shekel (ILS), Japanese yen (JPY), Mexican peso (MXN), Norwegian krone (NOK), New Zealand dollar (NZD), Polish zloty (PLN), Romanian leu (RON), Saudi riyal (SAR), Swedish krona (SEK), Singapore dollar (SGD), Turkish lira (TRY), US dollar (USD) and South African rand (ZAR).
We support payments in 150+ countries and territories worldwide. With the broadest coverage of any online business multi-currency account, we believe everyone should be able to pay and get paid – wherever they operate.
Europe:
Albania, Åland Islands, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Hungary, Iceland, Ireland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen, Sweden, Switzerland, Turkey, Ukraine, United Kingdom, and Vatican City.
Americas:
Argentina, Bolivia, Brazil, Canada, Chile, Colombia, Ecuador, Guyana, Mexico, Paraguay, Peru, Suriname, the United States, Uruguay, and Venezuela.
Africa:
Algeria, Angola, Benin, Burkina Faso, Burundi, Cameroon, Cape Verde, Central African Republic, Chad, Comoros, Congo (the Democratic Republic of the Congo), Congo (Republic of the Congo), Côte d'Ivoire (Ivory Coast), Djibouti, Egypt, Equatorial Guinea, Eritrea, Eswatini (formerly Swaziland), Ethiopia, Gabon, Gambia, Ghana, Guinea, Guinea-Bissau, Kenya, Lesotho, Liberia, Madagascar, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Rwanda, São Tomé and Príncipe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Tanzania, Togo, Tunisia, Uganda, Zambia, and Zimbabwe.
Asia:
Bangladesh, Bhutan, Brunei, Cambodia, China, East Timor, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar (formerly Burma), Nepal, North Korea (Democratic People's Republic of Korea), Pakistan, Philippines, Singapore, South Korea (Republic of Korea), Sri Lanka, Taiwan, Tajikistan, Thailand, Turkmenistan, Uzbekistan, and Vietnam.
Middle East:
Bahrain, Israel, Jordan, Kuwait, Lebanon, Oman, Palestine, Qatar, Saudi Arabia, Syria, Turkey, and the United Arab Emirates.
Oceania:
Australia, Fiji, Kiribati, Marshall Islands, Micronesia, Nauru, New Zealand, Palau, Papua New Guinea, Samoa, Solomon Islands, Tonga, Tuvalu, and Vanuatu.
Caribbean:
Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, British Virgin Islands, Cayman Islands, Cuba, Dominica, Dominican Republic, Grenada, Guadeloupe, Jamaica, Martinique, Montserrat, Puerto Rico, Saint Barthelemy, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, and U.S. Virgin Islands.
You can have your COMO account up and running within three business days if you follow these easy steps:
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Complete a short questionnaire to provide information about your business. This should take around 10 minutes. Click here to open an account
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Fill out the Ultimate Beneficial Owners (UBO) declaration
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Make sure you have the required documents ready to upload. They are listed at the beginning of the questionnaire.
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Submit the form. Our client support team will set up your account within three business days (72 hours) so you can be up and running. In some cases, we might call you for further information depending on the complexity of your business.
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Activate your COMO account by making a first transfer into it. It is ready to use right after you have done this.
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No, they’re both different ways of referring to the same concept. It’s worth clarifying a normal bank account has both a basic bank account number (BBAN) and an International Bank Account Number (IBAN). However, the extra information included as part of an IBAN is beneficial when making cross-border payments.