250 Bn€
Total Payment Volume (2025)
450,000+
Monthly Instant Pay-outs
16,000+
IBAN accounts issued
Real payment accounts, real IBANs – and everything required to run them without having to register for a regulatory licence 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.
The family includes four products: Accounts & Virtual IBANs (API-based payment accounts with unlimited IBAN issuance), Instant Transfers (SEPA instant pay-outs in under 10 seconds, 24/7), Direct Debit (automated recurring fund collection), and Pay by Bank (account-to-account payments via bank app). All products operate across the SEPA area.
Both. You can open accounts and issue IBANs via API or dashboard to automate your own payment workflows (pay-ins, pay-outs, reconciliation). Or you can embed account opening and IBAN issuance directly into your software for your end users, with full KYC and compliance handled by Powens – all under your brand.
No. Powens operates under our French payment institution and our Spanish electronic money institution licenses, regulated by French (ACPR) and Spanish (Bank of Spain) banking supervisors. You can issue accounts, process payments and manage funds without obtaining your own license. Regulated customers can also use their own license in white-label mode.
Powens is the only provider combining embedded banking with Open Banking connectivity. This means you can verify bank identity before sending funds, check account balances before debiting, monitor borrower financial health to prevent defaults, and match payments with bank transaction data for automated reconciliation – all from the same platform.
Powens has issued 16,000+ IBAN accounts, processes 450,000+ monthly instant pay-outs and 420,000+ monthly pay-ins, for a total payment volume of 2.5 Bn€ in 2025. All operations are available 24/7 across the SEPA area (36 countries) with a historical API availability of 99.9%.
Powens is used by 300+ customers including global banks (BNP Paribas, Société Générale), online lenders (4Finance, Alma), accounting and invoicing platforms (Qonto, Pennylane), property management companies (Unibo, Matera), and payment service providers. Use cases range from loan disbursement and rent collection to supplier payments and marketplace payouts.