MOD-ACC · Accounts & IBANs
Real accounts with real IBANs, on your partner bank.
Give every customer a named account with its own IBAN, to receive salaries and pay bills over SEPA, SEPA Instant and other local rails. The module connects to banking-as-a-service partners, or to your own licence.
- 17connectors
- 1platform runs it
- +1your own, too
- 01 · The job
An account people can live on.
Customers open an account in the app, get an IBAN in their name and use it like any bank account: incoming transfers, direct debits, standing orders and instant payments. Every movement lands in the ledger and on the customer's statement within seconds.
- Named IBANs per customer, or virtual IBANs
- SEPA Credit Transfer and SEPA Instant
- Direct debits and standing orders
- Verification of payee
- Account statements and certificates
- Accounts at other banks, through open banking
- 02 · The connectors
The partner banks that issue them.
Accounts and IBANs come from a licensed partner bank or e-money institution. The module connects to the leading banking-as-a-service providers, and the same app runs on whichever one fits your countries and customers.
Banking-as-a-service
- ClearBank
- Banking Circle
- Modulr
- Solaris
- Swan
- Treezor
- Griffin
Payment rails
- SEPA
- SEPA Instant
- SWIFT
- Faster Payments
- ACH
- SPEI
Open banking
- Tink
- TrueLayer
- Yapily
- Plaid
- 03 · Your own
Your licence, your bank.
With your own banking or e-money licence, the module connects to your sponsor bank and scheme access directly, and keeps the same screens and the same ledger.
In-house, or a provider you already use- Scheme access through your sponsor bank
- Your own IBAN ranges
- Your safeguarding accounts
In production
Running in these platforms.
Questions
Asked about this module.
Do we need a banking licence?
No. A banking-as-a-service partner holds the licence and issues the IBANs under it, while your brand is on the app. With your own licence, the module connects to your bank directly.
Which countries do the IBANs cover?
That depends on the partner: most issue IBANs from one EU country that work across the SEPA area. We help you choose the partner that covers your markets.
- MOD-LDG
Ledger
The double-entry book of record behind every balance, fee and transfer.
+4 9 connectors - MOD-PAY
Payouts
Money out to bank accounts, cards and wallets, on the rail that fits each payment.
+10 15 connectors - MOD-FX
FX
Currency conversion with live rates, your margins and the liquidity provider you choose.
+7 12 connectors
Start your project
Tell us the idea. We'll show you the platform.
One call is enough to map your product to the modules that already exist.
- Response in under one business day
- NDA on request
- No obligation