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    AMINA Bank AG is a Swiss bank, welcoming clients worldwide, with an FSRA-regulated branch in the Abu Dhabi Global Market (ADGM)
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Banking

AMINA Virtual IBANs

Simplify payments. Scale globally. Reconcile effortlessly.

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Banking

Simplify Complex Payments with 
AMINA Virtual IBANs

For fast-growing financial businesses such as Payment Services Providers (PSPs), Electronic Money Institutions (EMIs) and fintechs, managing fiat funds across customers and currencies doesn’t always require maintaining multiple separate accounts.
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 can even be issued in the name of the end client, while all fiat funds remain securely consolidated within one physical master account. Virtual IBANs can be easily created, managed, and monitored via online banking or through APIs.

The result: Complete visibility, faster reconciliation, and simplified fiat fund management, without the operational complexity of maintaining multiple bank accounts.

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How Virtual IBANs Work

Why AMINA Virtual IBANs

Seamless Reconciliation
Each vIBAN acts as a clear reference, making reconciliation faster, automated   and error-free.
Simplify Client Fund Management
Easily manage funds for multiple customers or business units, seamlessly supporting crypto and crypto-related use cases, without the overhead of maintaining multiple accounts.
Boost Payment Efficiency
Process payments faster with automatic routing and identification via unique virtual IBANs.
Enhance Security
Your primary account remains secure and hidden while customers and partners transact via assigned virtual IBANs.

A Flexible Operating Model

AMINA Virtual IBANs support both licensed and non-licensed business models. If you hold the relevant regulatory permissions, you can operate Virtual IBANs directly within your own framework.

Where a payment or e-money licence is not in place, AMINA can provide a supported model, performing customer onboarding and KYC on your behalf. This enables you to offer Virtual IBAN functionality while remaining compliant, without the immediate need to obtain additional licences.

As your business evolves, the model can scale with you, supporting a transition to your own regulated setup when required.

Built to Scale with You

From fintech startups to large PSPs, AMINA’s Virtual IBANs are built to grow with your operations, allowing instant global reach, better fund visibility and streamlined financial operations.

Start Scaling with AMINA

Cross-border Services Restrictions

AMINA Bank AG (AMINA) is a Swiss bank, authorized and regulated by the Swiss Financial Market Supervisory Authority (FINMA). AMINA’s products and services are only licensed in Switzerland. They are not registered or approved outside of Switzerland.

Any information on AMINA’s website (i) is not intended and should not be construed as an offer, solicitation or recommendation outside of Switzerland and (ii) may not be suitable or lawful in your jurisdiction.

You are welcome to explore AMINA’s website at your own initiative. Click ‘Continue’ if you are either (i) a resident of, or domiciled in, Switzerland, or (ii) are resident of, or domiciled outside of, Switzerland but would like to visit AMINA’s site on your own initiative.

If you fall under (ii) above, when choosing ‘Continue’, it is important to do this on your own initiative, as AMINA is not authorized to promote its products and services outside Switzerland. If you do not wish to visit the site, please click ‘Back’.

If you click ‘Continue’ to explore, please note that you:

1. are confirming you have read and understood the above;

2. are accessing AMINA’s website at your own initiative, without active promotion or solicitation from AMINA;

3. are responsible for ensuring access is lawful in your jurisdiction; and

4. understand that exploring the website does not create a client relationship.