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.

Protected investment

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.



Minimum investment€1

TermNo term



Minimum investment€1,000

Term1 year



Minimum investment€1,000

Term3 years



Minimum investment€50,000

Term5 years

Make the most of your money

High diversification

Accounts are diversified across multiple asset-backed loans.

Invest in multiple currencies

Great returns

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

Investor protection

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.

Our users love us! Read some of their comments:



I've used Iban for some months now and I think it's the best account I've ever seen. I love its safety and protections as well as their mobile app. I can't find a better platform to give me a fixed and stable income.


The best investment platform! It's so simple to use and its accounts offer a fixed interest rate. The only downside are the interest rates which are a bit lower because of all the protections they offer to investors. I will invest more in the future.

Francisco Jiménez

This alternative to a savings account convinced me. New technologies make the relationship between products and customers easier, more fluid and more dynamic. There's no account like this one.

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.

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