Topic
Banking guides explain how accounts, IBANs and stored value actually work when a fintech relies on an e-money institution, a bank or a banking-as-a-service partner. They separate the technology platform from the regulated entity, and set out how safeguarding, account ownership and reconciliation should be evaluated before launch.
Evaluate the regulated entity, client-funds model, account structure, payment access, compliance responsibilities and operational resilience before selecting an EMI or BaaS partner.
Read guideNamed accounts, virtual IBANs and pooled accounts differ in ownership, reconciliation and safeguarding. A virtual IBAN is not necessarily a separate bank account.
Read guideSafeguarding protects customer funds through segregation and other permitted methods. It is not deposit insurance and not the same as a firm's prudential capital.
Read guideWe use only essential browser storage to run the site and remember what you save or compare. We would like your choice on any optional storage. See our Cookie Policy.