Iban, explained for all.

Iban simplifies the banking model

Iban is an online platform for investment. We provide investors with an easy and transparent way to get a return on their savings. Our mission is to facilitate free and efficient movement of capital. With Iban, investors can invest in different types of asset-backed investments with different terms and returns.


Repays principal + interest
Provides capital for loans
Provides loan agreement
Loan originators
Review credit score and issue loans for selected applicants
Loan dispatched
Repays loan + interest


Iban acts as an intermediary to the lending process, providing the tools and security for all involved. Borrowers can easily apply for a loan, supported by their credit information and collateral. Loan originators working with Iban will select only the best applicants and present these loans to Iban. Unlike many other P2P marketplaces, instead of allowing you to invest in a specific loan we do that for you and aggregate many loans together - you have access to a much simpler approach: an investment account.

How we are protecting your money

Your funds are deposited in an Electronic Money Institution (EMI) regulated by the European Central Bank.
All investments are backed by collateral (asset/property).
We audit and track various Loan Originator metrics representing their operating health.

Ready to open an Iban account?

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Trust and Transparency

At Iban, we take investor protection very seriously, our risk mitigation policy includes several security layers to help protect investors. Let's take a look at each of these!

Electronic Money Institution (EMI) account protection

Your funds are deposited in a regulated Electronic Money Institution (EMI), which complies with the required European regulations.

Automated regulatory compliance (KYC and AML)

We follow strict global standards with each of our clients on investor profiling (KYC) and money laundering prevention (AML).

Multi-step identity protection

Our applications allow you to configure biometric protection systems such as Fingerprint or Facial Recognition, and always request a two factor authentication to perform sensitive actions on our apps.

Real-time notifications

We keep you up-to-date on your investments and earnings, as well as notify you of all movements, to make sure you are always in control of your finances.

Iban is an online platform that connects users with owners of credit rights. These users can invest, i.e., acquire or purchase aforementioned credit rights by substituting him or herself in the crediting position of the emitted loan, subject to the conditions that the Investment User of Iban has agreed with the seller of the credit, via the IT application which systemises and makes efficient the aforementioned purchase process. Aforementioned applications take into account the experience of the acquirer of the credit as well as the risk appetite that he or she wishes to assume, and permits them to execute the purchase of the credit or credit parts under the desired terms.

Frequent questions from our users

Can I cancel my accounts ahead of time?

You can request to withdraw your funds immediately at any time. Early investment account termination is also allowed with a small fee.

How can Iban offer these returns?

Online investment platforms have historically achieved high returns, thanks to their structural efficiencies. These platforms typically cut out the middleman and has a cost structures which are fundamentally low. We pride ourselves on staying a step ahead of the market through expert risk and price management.

Is my money secured?

Yes, while your funds are deposited in an Electronic Money Institution (EMI). All our accounts have risk management policies and offer investor protection.

Is this just for young people?

No at all! Most of our investors are 50 or older. In fact, research has shown that over 55% of investors are 55 years old and over, with only 12% of investors under 30.

Do you have more questions?

Check our help center

Ready to start?

Investments with interest accrued daily. Interest rates up to 6%.

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