icon IBAN Accounts

Innovative Solutions for
Seamless Financial

Issue unlimited accounts, with local IBANs, to streamline your transactions or build innovative experience for your customers

Unlimited Accounts

Instantly open payment accounts with French or Spanish IBANs for individuals, professionals or companies, without any constraints on volume.

Operational convenience

Easily receive and settle payments in EUR across the SEPA zone through various payment methods, all 100% automated, programmable and available 24/7.

Built-in Regulatory Shield

Thanks to the backing of an Electronic Money Institution, we handle all compliance matters and provide comprehensive fund protection guarantees.

Key Features

Simplify accounting with our local IBAN accounts, automating payments and reconciliation to eliminate legacy banking issues such as manual processes, delays and limitations.

Our platform offers:

  • 1 API, multiple payment rails
    Easily connect with popular and secure collection and payout systems

    • Card payment
    • SEPA Core and B2B direct debit
    • SEPA Credit Transfers (SCT)
    • A2A payment initiation (PSD2)
  • Automatic reconciliation
    Issue unlimited accounts for efficient customer reconciliation and streamlined fund segregation. Benefit from real-time transaction notifications to ultimately reduce administrative burdens and enhance traceability throughout your financial operations.
  • Effortless bulk payout
    Expedite payouts – whether single or bulk transactions – simplifying authentication processes.
  • Risk prevention solutions
    Integrate our bank aggregation solution to conduct affordability assessments prior to collections, mitigating financial risks and preventing potential KOs.

Integrate IBAN accounts seamlessly into your apps and products, branded under your name. 

  • White label IBANs

    We provide white-labelled local IBANs to uphold the integrity of your brand and deliver a seamless customer experience. Our French and Spanish IBANs come with full-capacity to enable you to build your own financial services.
  • Automated onboarding

    Onboard your customers with ease and carry out identity checks in a completely digital and remote process in less than 2 minutes thanks to our KYC process with video recording and real-time AML check.
  • Access international payment rails

    Easily connect with the most popular and secure collection and payouts systems in the SEPA zone:

    • Card payment
    • SEPA Core and B2B debit
    • Standard SEPA Credit Transfers (SCT)
    • A2A payment initiation (PSD2)
  • Effortless Bulk Payout 

    Make it easy for your customers to process bulk payouts. They’ll only have to sign once to process simultaneous payouts.


How it works

The creation of IBAN accounts is managed 100% through our API, which allows you to enjoy a quick and easy integration with our technical team:

    "wallet_id": "28cd89ed-3ee8-4d91-924b-ce9a31169e1c",
    "name": "My First Wallet",
    "balance": {
      "currency": "EUR",
      "amount": 10000
    "outstanding_incoming_balance": {
      "currency": "EUR",
      "amount": 10000
    "outstanding_outgoing_balance": {
      "currency": "EUR",
      "amount": 10000
    "description": "Description of my first wallet",
    "status": "ACTIVE"

Legal onboarding

Submit your company details for KYB validation, along with automated video-KYC verification for authorized personnel.


API Integration

Receive dedicated support from our technical team for integrating our API seamlessly into your platform or product.


For Finance Teams

Start issuing accounts for your financial operations and access real-time payment and collection status updates.


For Product Teams

Effortless bulk payout
Onboard your users first and swiftly issue accounts for seamless user experiences.

Unibo: First Neobank for Commonholds by Unnax, a Powens Group Company



This testimonial is made by a Customer of Unnax, a company of Powens Group

"Through Powens’s API, with Bank and Pay products in particular, we give our customers the opportunity to use, spend and save their money as they wish. Our partnership with Powens is aligned with our super-app philosophy."
Evan Proux
Senior Operation Manager at Lydia

Powens’ console

User-friendly configuration of your domains, client applications, webhooks, and connectors. Complete monitoring of connection statuses.

Create an account and let us guide you
Setup a free sandbox in just a few clicks and use the wizard to easily test our API with real-life scenarios.
Adapt the user flow to maximize success rates. Choose the capabilities and banks to activate.
Check bank sync usage and keep an eye on health status reports.
Visualize key metrics & trends to optimize your Open Finance experience (amounts, users, conversion rates...).

Powens by the numbers

API Calls

IBAN and payment solutions are provided by Unnax Regulatory Services EDE, S.L. under its electronic money license (Bank of Spain registration code 6719).

Prefooter background

Interested in learning more about our IBAN issuing solution?

Explore our developer resources, including a test environment