Issue IBANs to your customers, sellers, sub-merchants.
A Virtual IBAN looks and behaves like a real IBAN, but routes funds into your master account — automatically tagged to the customer who sent it. Reconciliation, solved.
The account number every customer sees as their own.
A VIBAN is an addressable IBAN-format account number that routes funds into a master account held by Averra Pay. Every incoming payment is tagged automatically to the VIBAN it was sent to — so your finance team always knows which customer, seller or vendor sent the money. No spreadsheet matching. No pooled-account chaos.
Pick the model that fits your AML posture.
Named VIBAN
Issued in the end-customer's legal name, with their KYC on file. The customer's bank shows their own name on the SEPA confirmation.
- ✓Strongest AML and traceability posture
- ✓Required by EU AML Regulation for many use cases from 2026
- ✓Best fit: marketplaces, brokers, exchanges, payroll
Pooled VIBAN
Issued in your operator legal name. Payments arrive tagged with their sender, but the VIBAN itself isn't customer-attributed.
- ✓Fast, low-friction issuance
- ✓Suits per-invoice or per-transaction tagging
- ✓Best fit: SaaS billing, subscription invoicing, B2B receivables
Anywhere you'd otherwise need dozens of bank accounts.
Marketplaces
Each seller gets a named VIBAN. Payouts and pay-ins reconcile automatically.
iGaming & sportsbooks
Each player gets a VIBAN. Deposits arrive pre-attributed, AML-clean, dispute-resistant.
Forex & CFD
Per-trader VIBANs eliminate the deposit-attribution nightmare on pooled accounts.
Crypto exchanges & VASPs
Named VIBANs for fiat on-ramps. Sanctions screening built in.
Payroll & gig platforms
Contractors get personal VIBANs for salary in EUR or GBP — no real bank required.
SaaS & subscription
Invoice each enterprise customer to a unique VIBAN. Instant match. Zero spreadsheets.
Start moving money at the speed of your business.
Talk to our team about IBAN issuance, card acquiring, and global payouts. Most applications are reviewed in 48 hours.