AMINA Virtual IBANs 

High‑volume payment businesses often funnel all incoming transfers into shared accounts. When thousands of payments hit the same IBAN daily, mapping each transaction to the right customer becomes a manual, error‑prone process that slows operations.

AMINA virtual IBANs* solve this by assigning unique IBANs per customer, enabling automated and precise reconciliation.

*T&Cs and eligibility apply.

What’s needed is a smarter, more scalable way to organise and control payments from a single, unified platform. Virtual IBANs make this possible.

Each virtual IBAN can be uniquely assigned to a customer, account, or business unit and even issued in your customer’s own name. All fiat funds remain securely consolidated within one physical master account, while each customer benefits from the experience of having their own dedicated IBAN.

Virtual IBANs can be easily:

• Created in seconds
• Managed at scale
• Monitored in real time

All through API or online banking. Providing complete visibility, faster reconciliation, and simplified fiat fund management, without the operational complexity of maintaining multiple bank accounts.

AMINA virtual IBANs support both licensed and non‑licensed models. With the right permissions, you manage them directly; without them, AMINA handles onboarding and KYC so you can offer virtual IBANs compliantly from day one. The model grows with your business and can shift to your own regulated setup when needed.