Use your multi-currency account to receive and send payments in 24 + currencies and save costs
One account for all your business needs, with the currencies your clients deal in
Pay and get paid worldwide with ease, speed and security. COMO offers integrated payment solutions to help you pay, receive and manage your overseas cash flows — all from your Luxembourg IBAN account.
Get account details in your name, including the account number and other information to make or receive payments in a given currency. You can also convert your balances from one currency to another, or use them to make payments.
Centralize and consolidate all financial transactions in more than 24 currencies and more than 150 countries - from one single platform.
Easy reconciliation: real-time balances for accounts and currencies.
Quick and secure digital onboarding, AI-driven KYB/AML.
Let leading-edge tech drive your banking needs
Send, receive, and exchange all your funds from a single account. Monitor each incoming and outgoing transaction. Facilitate reconciliation. Gain cashflow visibility in real time, all the time.
LU IBAN: Luxembourg's robust AAA credit rating makes LU IBANs a superior choice for businesses seeking stability and ease of doing transactions within the EU, the UK, and the EEA.
Gain control, speed and efficiency: Track all your business payments from a single LU IBAN in real time, easing reconciliation, and giving you a better grip on your treasury.
Banking-as-a-Service: COMO API, designed with a developer-first approach, enables you to create business accounts for your customers.
A flexible banking and payments service that evolves in sync with your business and client needs. Power up your business.
One-touch access to 24+ currencies, business cards, FX management, trade finance - and more.
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.
Want to know more?
With a COMO global account, you can send and receive payments in local currencies. You'll avoid slow and expensive international bank transfers, and reduce currency conversion fees.
Gain loyalty
Increase customer satisfaction by accepting payments in the currencies they prefer. Gain an advantage by paying your supply chain in the currency that is easiest for them.
Fast and reliable
Make payments on time and securely, track your overseas cash flows and convert funds at competitive FX rates.
Integrated and bespoke
COMO Digital Life solutions can be designed to fit your needs. Make payments via COMO DL Online, file upload or API integration with your ERP system.
Yes, 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.
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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We offer services to a vast range of business industries, but there are also exceptions. You cannot open or hold a COMO account, if you carry out any sort of business or activity in the following areas:
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Armaments, nuclear, weapons or defense manufacturers
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Pornography
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Cannabinoids (THC, CBD, CBN)
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Consulates
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Dating escort services
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Diplomatic Offices
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Embassies
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Fake goods/counterfeit consumer products
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Foundations
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Non-profit organizations
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Pawnbrokers
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Political organizations and institutions
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Quasi-cash merchants
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Religious organizations
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Unregulated FX businesses
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Unregulated loan businesses
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Unregulated money services businesses
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Unregulated remittance business
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COMO provides several pricing options, each with unique benefits and features. The price largely depends on the payment volume you think you will transact. Contact us for a customized quote that suits your business needs.