Meet our investment accounts

Iban accounts are investment accounts providing projected interest which is expected to be paid on a daily basis. By opening an Iban account you can invest with a projected interest rate starting with {account_interest_rate} AER. Accounts are invested in asset-backed loans, have a Buyback Guarantee and a Safeguard Trust which has covered all bad loans since it launched. Our Buyback Guarantee allows us to offer a fixed interest rate making our accounts the perfect products to grow your savings.

Your Iban Account

When you register at Iban, you immediately get an Iban Account. See below why the Iban Account is a game-changer.

{account_interest_rate} AER account

Open your Iban Account and immediately access a projected {account_interest_rate} interest on your balance.

Add funds, quickly and safely

Top up your account via bank transfer, online banking or credit/debit card, securely and in minutes.

Start with {minimum_deposit_amount}, interest paid daily, no term

All you need to start is {minimum_deposit_amount}, and we aim to pay interest every day. The Iban Account has no minimum term.

Request to withdraw, at any time

Request to get your funds and interest directly into your bank account, at any moment.

Iban accounts are investment accounts providing a projected fixed daily interest paid on a daily basis. Each account has a different interest rate. By opening an Iban account you can invest with a projected fixed interest of {account_interest_rate} AER. From there you can access any other investment products.

Predicted interest Rate
Minimum investment
Estimated daily interest
Interest liquidity
Interest calculation
Early termination *
Asset-backedLearn more
Buyback GuaranteeLearn more
Safeguard TrustLearn more

* Early termination fee

The early termination fee will never affect your initial investment. In case you decide to terminate your investment account One, Market, or Dynamic before its term date, there will be a fee of 2.5% of the total amount in the account but it will never exceed the accrued interest at the time of the cancellation, so you always keep your initial investment. The Iban Account (2.5%) is never affected by this fee.

How your accounts are protected

Asset-backed loans

Each loan is carefully assessed by our team prior to be accepted by Iban. This allows our accounts to be designed as an asset-secured investment.

Buyback guarantee

The Buyback Guarantee allows all our accounts to have a fixed interest rate by repurchasing the loan of a borrower who is late for longer than 90 days.

Safeguard Trust

The Safeguard Trust is a provision capital account with reserves which provides investors with protection in case any Loan Originator fails to administer the investments.

Frequent questions from our users

Is my interest rate fixed?

Yes, all Iban products are designed to deliver a projected fixed rate, paid every single day. When you create an account, you get an Iban Account which will pay an interest rate of up to {account_interest_rate} AER every day in the account. When you invest, you will receive a projected interest depending on the investment product you selected.

Can I cancel my account earlier?

Yes, a cancellation on any of the investment products (One, Market, Dynamic) is permitted, but will incur a small fee in proportion to the time left on your initially agreed term. The fee incurred will never be greater than the interest you have generated, so rest assured this will never affect your principal.

How are the funds in my accounts protected?

Initially your funds are deposited in an Electronic Money Institution (EMI). All our accounts have risk management policies and offer investor protection such as asset-backed loans, Buyback Guarantee and Safeguard Trust. We also have in place strict investment underwriting policies, follow extensive due diligence of our loans and have a 100% track record of loan repayments.

When can I withdraw my funds?

You can request at any moment the withdrawal of your funds from your Iban Account directly to your bank account, free of charge. In case you have funds invested in an investment product, you can request to cancel your investment ahead of time (which might incur in an early termination fee).

How is interest calculated?

Interest is paid daily, calculated based on the balance that you had at the end of each previous day in each of your products. Each interest payment is credited to the same investment product, except for Iban Dynamic which is paid into the Iban Account, also daily - an extra feature that allows you to request at any time the interest generated by this product.

Do I have to start with {minimum_investment_amount}?

No, you can start with {account_minimum} in your Iban Account, which will earn you a projected {account_interest_rate} annually, paid the next day. You only need {minimum_investment_amount} if you want to invest in Iban One or Iban Market.

Do you have more questions?

Check our help center

Ready to start?

Investment accounts with interest paid daily. Start with fixed {minimum_interest_rate} interest and go up to {maximum_interest_rate}.

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