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Virtual IBAN Accounts for high-volume payment operations

BCB Group helps regulated businesses and institutional teams issue virtual IBANs under a single account structure, improving reconciliation, control and visibility across incoming payment flows.

  • Named virtual IBANs for customers, entities and payment flows
  • Faster attribution of inbound payments
  • Reduced reliance on manual references
  • Support for GBP and EUR collection flows
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THE PROBLEM

Traditional account structures create reconciliation friction

As payment volumes grow, shared account details and manual references create operational drag. Finance and operations teams spend time matching receipts, resolving exceptions and trying to separate flows across customers, entities and regions. That slows allocation, increases rejection risk and makes control harder than it should be.

Shared payment details

Incoming funds are harder to identify and allocate quickly.

Manual matching

Missing or inconsistent references create delays, exceptions and operational overhead.

Limited visibility

It becomes harder to separate flows by customer, entity, region or use case.

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THE SOLUTION

Named virtual IBANs under one account structure

BCB virtual IBANs let you issue named identifiers under a single account structure. Incoming funds route to your underlying account, while each payment remains easier to attribute, reconcile and report on. That gives teams stronger day-to-day control without opening large numbers of separate bank accounts.

  • Issue large numbers of named virtual IBANs
  • Route incoming funds to a central account structure
  • Improve segregation, reporting and oversight
  • Support higher-volume payment operations with less manual intervention
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WHY INSTITUTIONS USE BCB VIRTUAL IBANs

Payment infrastructure designed for control, visibility and scale

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Automate reconciliation

Match incoming payments faster with unique identifiers.

Reduce payment exceptions

Cut reliance on error-prone references and manual investigation.

Separate flows clearly

Create named virtual IBANs for customers, entities or internal uses.

Support cross-border collections

Manage GBP and EUR collection flows more effectively.

Improve transparency

Strengthen oversight across receipts, balances and internal allocation.

Lower operational overhead

Scale payment operations without multiplying banking relationships.

Trusted partners

Selected institutional clients and partners.

Trusted for Instant Payments and Real-Time Settlement

Clients choose BCB for governance, resilience, onboarding quality and operational efficiency.

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“We’re focused on deep collaborations where governance, regulation and resilience are foundational. Transparency and auditability matter.”

Audris Siow
Head of Institutional Partnerships, Bitvavo
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“Using multi-currency payment accounts and virtual IBANs improved operational efficiency and helped streamline payment flows.”

Nick Hammer
CEO, BlockFills

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“Customer service and onboarding were decisive. The compliance and due diligence process was swift and aligned with our expectations.”

Amar Takodra
Head of Growth, Levl

 

BUILT FOR HIGH-VOLUME PAYMENT WORKFLOWS

For teams that need clearer attribution of inbound funds

BCB virtual IBANs are well suited to organisations that need stronger control over how money is collected, allocated and reported.

  • Payment service providers
  • Financial institutions
  • Multi-entity finance and treasury teams
  • Cross-border businesses with high inbound payment volumes
  • Platforms and regulated businesses that need clearer separation of funds
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Built for governance, auditability and operational resilience

BCB provides regulated payment infrastructure for organisations that need stronger control over payment operations without adding unnecessary complexity.

Virtual IBANs to support reconciliation and control

Payment accounts for major currencies

Access to key UK and European payment rails

Compliance-led onboarding designed for institutions

Member of a recognised self-regulatory organisation in Switzerland

Authorised in the UK and France