Our Vision

We are smartIBAN, a disposable-IBAN orchestration platform on a mission to aggregate all 27 local EU IBANs, ensuring that 1 unique invoice = 1 unique IBAN.

We envision a future where pay-by-bank replaces Visa and Mastercard in the EU.

As this transformation unfolds, smartIBAN aims to be the backbone of payment infrastructure for Payment Service Providers (PSPs), enabling seamless, real-time transactions across Europe.

We operate as a PSP, aggregating Virtual IBANs from multiple European countries.

While we complement open banking, we go beyond it, offering a more direct, scalable, and efficient alternative for financial institutions and businesses.



Our values

At smartIBAN, our values are more than words. They define how we think, behave, work, and build. Here’s what we believe in:

Be analytical & direct: Think critically, communicate with clarity. No unnecessary complexity, just smart, thoughtful solutions that drive real impact.

Being knowledgeable: You only deploy deep expertise in your field of influence to solve complex problems.

Always choose kindness: The payments world can be cold, but we are not. Treat everyone with respect, fairness, compassion and understanding, because technology should uplift, not divide.

Be adaptable with integrity: Flexibility is key, but never at the cost of ethics. Evolve, adapt, and innovate while ensuring that every decision is responsible and considerate.

Be self-driven: Take ownership of things that need to be done. Don’t wait for change, just make it happen. Take responsibility, act proactively, and overcome obstacles.

Be open to healthy debates: Engage in constructive debate and share well-reasoned perspectives. The best ideas come from challenging assumptions, listening actively, and staying open to new ways of thinking.