top of page

Contact us

Open IBAN account

Revolutionizing Global Banking

Virtual IBANs

Effortlessly manage global transactions without the need for multiple physical accounts. Simplify and centralize payments across different countries.  

Discover a Smarter Way to Manage Global Transactions 

vIBANs act as extensions of traditional bank accounts, centralizing international payments into a single physical account. 
 
COMO Digital Life provides solutions that seamlessly integrate with your ERP, offering a secure and scalable tool to optimize your global financial processes.  

  • Assign unique vIBANs to specific customers, partners, or transactions, making reconciliation straightforward and payment tracking a breeze. 

  • By minimizing the need for multiple bank accounts and associated fees, vIBANs can significantly reduce banking and operational costs for businesses running in different countries.  

  • With each vIBAN dedicated to a specific payment type, customer, or region, businesses can simplify their reconciliation process and better track their finances.   

  • Faster payment processing ensures better cash flow management, with funds readily available through a centralized master account. 

  • vIBANs enable treasurers to better monitor cash flows in real-time, allowing for more accurate forecasting and improved liquidity management.  

  • Stay aligned with global banking regulations. vIBANs ensure robust financial controls and secure audit trails, simplifying compliance across jurisdictions. 

Discover a smarter way to manage international transactions and propel your business toward global success.

Direct API Access
This integration is ideal for businesses that manage their operations directly. It grants direct access to multi-currency IBAN accounts, maling it.

Embedded Banking API
Designed for businesses that wish to offer branded banking services alongside their existing products. This solution enables your clients to utilize multi-currency IBAN accounts effortlessly. It includes comprehensive services such as KYC/B procedures and client onboarding, all without the regulatory complexities typically associated with financial services. This option extends your abilities, allowing you to provide enhanced value to your clients while maintaining your brand identity. 

Power Your Global Success with COMO’s vIBANs 
Experience seamless, efficient, and compliant international financial management that aligns with your growth. 

Web-based Access
Access services through our secure web banking platform, ensuring convenience and peace of mind. Featuring robust security and multi-factor authentication (MFA), this solution provides accessibility without compromising safety.

Choose the integration that is right for your business

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.

Virtual IBANs

All essential information in one quick read.

Support Hub

Find an answer to your questions...

And if it is not listed here, please get in touch.

  • A vIBAN works just like a traditional IBAN but allows businesses to receive international payments directly into a centralized bank account. Each vIBAN is linked to a master bank account but can also be assigned to different customers, departments, or even specific transactions. This flexibility enhances the tracking and management of incoming payments, making it easy for businesses to segregate and reconcile international funds easily. 

  • vIBANs reduce the need for multiple bank accounts in different countries, which cuts down on banking fees and administrative costs. By consolidating transactions into a single master account, businesses can streamline their banking operations and achieve significant cost savings. 

  • vIBANs are perfect for multinational corporations managing complex banking structures, financial institutions offering tailored solutions, tech companies handling global transactions, export/import businesses minimizing FX risks, e-commerce platforms managing multiple currencies, freelancers receiving international payments, and tech startups supporting rapid growth and expansion.  

  • Yes, vIBANs can handle payments in multiple currencies, provided the associated master account supports them. This allows businesses to manage international transactions more efficiently and reduces the complexity of currency conversions. 

    At COMO we provide access to master accounts, powered with 24+ currencies. List to currencies.

  • vIBANs provide significant advantages over traditional banking methods, including reduced costs, simplified management of international transactions, enhanced liquidity management, and improved reconciliation processes. These benefits make vIBANs a powerful tool for businesses operating globally. 

Get started today

You do business.
We simplify payments, banking… 
and more.

bottom of page