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.
Embed payment accounts into your software to let users receive funds and transfer money. Your app, your brand, your UX.
Account holders can receive money and pay via SEPA Transfers, Direct Debit and Pay-by-bank.
Opening an account and making payments require KYC checks and multi-factor authentications – all handled by Powens.
We are licensed and authorized by the Spanish and French banking supervisors.
Automatically reconcile incoming rent payments and property changes with Virtual IBANs
Achieved 15x growth in one year by automating rent payments.
Embed business accounts in SME finance software to automate collections and supplier payments.
Online onboarding for users. Liveness ID checks, account setup – all embedded into your software.
Users issue accounts with IBANs Physical or Virtual – right from your software.
Users collect pay-ins and send 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”.
Real payment accounts, real IBANs – and everything required to run them without having to register for a regulatory license and build complex compliance processes.
Powens is the only provider offering both embedded banking services and bank connectivity, providing an additional layer of security and fraud prevention for payments.
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%.