Open an account and earn up to 6% fixed interest per year.
Start investing in accounts protected by asset-backed loan. Earn returns from 2.5% to 6% per year.
All our accounts are protected by asset-backed loans, have Buyback Guarantee and pay a fixed interest.
No additional fees. We mean it!
Your account is free. Investing through Iban has no commissions. What you see is what you get.
Fixed daily interest, flexible terms
Choose multiple accounts with different terms - from no term to 5 years. All accounts pay a fixed daily interest.
Make the most of your money
Accounts are diversified across multiple asset-backed loans.
Invest in multiple currencies
From 2.5% up to 6% net annual return
Investing has never been more accessible - start from €1,000
Regular cash flow with fixed daily interest and full control over your chosen account term period
All accounts are invested in asset-backed loans
All loans have a Buyback Guarantee
Loans only from tier 1 verified loan originators
Electronic Money Institution (EMI) protection
Your funds are deposited initially in an Electronic Money Institution (EMI), a regulated entity which complies with the required European regulations.
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Frequent questions from our users
How can I add funds to my Iban Account?
You can add funds safely via your online banking directly in the app, by bank transfer or with debit/credit card.
Can I withdraw my funds?
You can request to withdraw your funds at any moment. Once released, it should take between one and three business days to reach your bank account.
Do I need €1,000 to start an account earn interest?
No, you can start with €1 in your Iban Account, which will earn you a fixed 2.5% AER. You only need €1,000 if you want to invest in Iban One or Iban Market.
Can I terminate my investments ahead of time?
You can cancel your investments at any moment via the application, with a fee that will never exceed your interest.
Ready to start?
Investment accounts with interest paid daily. Start with fixed 2.5% AER and go up to 6% AER.