VIRTUAL IBANS
One vIBAN per
customer. Instant
reconciliation.
Assign a unique vIBAN to every customer and match every deposit
automatically – in real time, across the UK, Europe and Australia.
The problem
Reconciling customer deposits shouldn't be a manual job.
When you're handling high volumes of individual deposits – from investment top-ups to crypto buys to gaming credits – a single shared account for all customers creates a fundamental problem: how do you know which deposit belongs to which customer? Without unique identifiers per user, every attribution is a manual job. And at scale, that's a job that never ends.
No automatic attribution
Without a unique identifier per customer, there's no reliable way to know which deposit belongs to which user. Every match is a manual task.
Delayed reconciliation
Without customer-level identifiers, deposits land in a single pot. Real-time attribution isn't possible – only batched, after-the-fact matching.
IBAN discrimination
A shared pooled IBAN can trigger rejection at some banks, which recognise it as a payment account rather than a personal account.
Volt vIBANs
Every customer. Their own vIBAN. One Volt Account.
Each of your customers gets a unique vIBAN, linked directly to their account ID in your system. Every deposit is matched instantly and automatically – no manual reconciliation, no errors. All funds flow into your centralised Volt Account, visible in real time.
Linked to your customer IDs
Each vIBAN ties directly to your existing customer tracker ID. No re-platforming, no migration – it slots into the systems you already run.
Centralised in your Volt Account
All funds – regardless of which vIBAN they arrive through – flow into a single Volt Account. Easy to manage, easy to audit, easy to sweep.
UK, Europe & Australia
Issue vIBANs with localised country suffixes – GB, DE, DK and more – to prevent IBAN discrimination. In Australia, PayID email aliases deliver equivalent functionality.
Real-time fund visibility
Know exactly which deposits have landed and which customer they belong to the moment they arrive – no lag, no batching, no guesswork.
Why vIBANs
Built for businesses that can't
afford reconciliation gaps.
Five ways vIBANs change how you handle customer deposits.
Instant reconciliation
Deposits match to customers automatically, the moment they land. No manual intervention required.
Accurate attribution
Every deposit is automatically matched to the right customer. No manual intervention, no misattribution, no operational overhead.
Real-time visibility
See every deposit, matched to every customer, as it happens – across all currencies and markets.
Multi-market ready
UK, Europe and Australia covered from a single integration. Local identifiers keep things compliant in every market.
No re-platforming
vIBANs link to your existing customer IDs. Nothing to rebuild. Everything to gain.
Who it's built for
Purpose-built for high-volume deposit environments.
vIBANs are a natural fit for any business where individual deposit
reconciliation matters – particularly wealthtech, crypto and iGaming.
iGaming
Know exactly which player funded their account and when.
iGaming operators need precise, real-time deposit attribution across multiple markets and currencies. vIBANs deliver customer-level visibility with localised IBANs that work in every market you operate in.
vIBANs are part of the Volt Accounts platform.
They work alongside Volt Accounts – your central payment dashboard – and Named
Accounts for PSPs and marketplaces, to give you complete control over incoming funds at
every level of your business.
See what Volt Accounts can do for your business.
Talk to our team. We'll show you how Volt Accounts works, walk you through the setup, and help you figure out the right configuration for your payment operations.