Issue API-based IBAN accounts for automating your own payment operations – or embed them in your app and offer your customers a unique banking experience.
Open as many IBAN accounts as you need in seconds. Uploading an SDD mandate or transfering money is just as fast.
Powens provides a powerful dashboard – but every operation is also available through our API
Unlike most traditional banks, we process operations on a 24/7 schedule. Historical API availability averages 99.9%.
Issue Virtual IBANS or link your Powens accounts with our tracked payments methods (SDD, Pay-by-bank) to automate reconciliation.
Deliver instant credit experiences while reducing arrears with Open Banking, direct debits and instant transfers
Transfers funds automatically on loan approval, with 10s settlement.
Get paid and move money your way with a complete suite of pay-in and pay-out options linked to unlimited IBAN accounts.
Offers cost-effective wallet top-up to 45M customers
Online onboarding. Liveness ID checks, account setup
Issue accounts with IBANs Physical or Virtual. Via Admin dashboard or API
Start collecting pay-in and sending pay-outs. Use Powens embedded methods or third-party providers.
“We built the first neobank for commonholds (…), each building has a Powens IBAN account to automate incomes and expenses. We saw spectacular growth last year”.
Powens is a renowned expert for automating mission-critical payment operations, especially for lending, accounting, utility payments and international transfers. We process more than 2,4Bn€ payments a year.
Our API-first solutions are flexible enough to cover multiple use cases requiring fast account management and instant pay-in and pay-out operations.
From BNP to Cofidis and Agicap: more than 300 customers including global banks, online lenders and business SaaS, rely on Powens for automating payments and connectivity.
Powens lets you issue unlimited API-based IBAN and Virtual IBAN accounts for automating your own payment operations, or embed them in your app to offer your business customers a banking experience – all without requiring you to have your own regulatory licence.
For your own operations, you open accounts and issue IBANs (physical or virtual) via API or admin dashboard to automate your payment workflows. For your business users (white-label), you embed account opening and IBAN issuance directly into your software, with full KYB and KYC onboarding and compliance handled by Powens — all under your brand.
No. Powens provides everything required to run payment accounts without having to register for a regulatory licence or build complex compliance processes. KYC checks, multi-factor authentication and regulatory compliance are all handled by us according to PSD2 and electronic money regulation.
Account holders can receive and send money via SEPA Instant Transfers, SEPA Direct Debit and Pay-by-Bank. You can also link Virtual IBANs with these tracked payment methods to automate reconciliation. Third-party payment providers can be used alongside Powens’ embedded methods.
Virtual IBANs let you assign a unique IBAN reference to each payer, invoice or transaction type. When funds arrive on a Virtual IBAN, the system automatically knows who paid and for what, eliminating manual matching between incoming payments and expected amounts.
Powens has issued 16,000+ IBAN accounts, processes 450,000+ monthly instant pay-outs, and has handled 2.5 Bn€ in total payment volume in 2025. Operations are available 24/7 with a historical API availability of 99.9%.