01
Grab your virtual IBAN
A dedicated IBAN issued in your own name, not a pooled account.
- EUR, GBP, USD and CHF on one balance
- SEPA, SEPA Instant, Faster Payments and SWIFT
- Client money held 1:1 with regulated banking partners
● Onboarding places open this month — closes in 48h 00m 00s
The Vision Bank
Accounts open — verification in minutes
Grab your virtual IBAN.
Buy crypto. Withdraw with ease.
A dedicated IBAN in your own name for EUR, GBP, USD and CHF — buy and hold crypto beside it, then cash out by SEPA Instant, Faster Payments, SWIFT or on-chain.
4.9
from 12,000+ clients in 180+ countries
Your own IBAN
4 currencies
EUR, GBP, USD and CHF held side by side — issued in your name, never a pooled account.
Networks
BTC, ETH & more
Transfers
From $1
Three moves, one account
IBAN in, crypto in the middle, cash out.
No app-switching and no second platform. The account you receive money into is the account you buy crypto from and withdraw back to.
02
Buy crypto
Convert at a firm quoted rate with a visible countdown before you commit.
- All-in pricing — the rate you see is the rate you get
- Bitcoin, Ethereum, stablecoins and tokenised gold
- Every trade posted to your ledger with a contract note
03
Withdraw with ease
Cash out to your bank or send on-chain, from the same account.
- Bank payouts out of the same balance you bought from
- Send across Bitcoin, Ethereum, Base, Arbitrum and Polygon
- Withdrawal address whitelisting and 2-factor on every send
As featured in
BloombergFinancial TimesReutersForbesThe Wall Street JournalCoinDesk
Get started in 3 steps
From application to a live IBAN in a single afternoon.
01
Apply online
Identity verification typically completes in minutes, not weeks.
02
Get your IBAN and fund it
Receive by SEPA, SWIFT, Faster Payments — or transfer in crypto.
03
Buy, spend, withdraw
Convert at a firm rate, spend on card, or cash out to your bank.
Fees
Withdrawals that don't punish you.
Transfers at network cost. One disclosed spread.
Money in and money out priced at what it costs to move. No monthly maintenance on any account, no minimum balance, and no surprise spread hidden inside the rate.
- No hidden FX markups — one disclosed spread
- Free virtual and physical cards
- No inactivity or account-closure fees
- 24/7 concierge included on Private tier
$1
Outgoing transfer — network cost only
$1
Incoming transfer — network cost only
0.1%
FX & crypto swap — from
$0
Monthly maintenance — every tier
$0
Minimum balance — ever
5%
Card cash back — up to
The app
Your IBAN and your crypto, one screen.
EUR, GBP, USD, CHF, BTC, ETH, stablecoins and tokenised gold — one balance, one statement, one relationship. Move between cash and crypto in a tap.
- Real-time multi-currency balances and CSV export
- Firm quotes with all-in pricing on every conversion
- Send and receive across Bitcoin, Ethereum, Base, Arbitrum and Polygon
Cards & payments
Spend it before you even withdraw it.
Issue a virtual card in minutes and spend straight from your fiat, stablecoin or gold balance — conversion happens automatically at authorisation.
Instant virtual cards
Issued in minutes for online and in-app spending.
Metal card
For eligible tiers, with travel benefits.
Apple Pay & Google Pay
Add to your wallet in seconds and tap to pay.
Global ATM access
Withdraw cash worldwide with transparent FX.
Payment links
Get paid in the asset you want; payers send whatever they hold.
Tokenised gold
Hold XAUT beside your cash and spend from it.
Live controls
Freeze, unfreeze and set per-merchant limits in one tap.
3-D Secure in-app
One-time codes and a live transaction feed.
Security & custody
Your money is held where it should be.
Client assets are legally segregated from The Vision Bank's own estate. Eligible digital assets in custody are covered by crime and specie insurance, subject to policy terms and limits.
- Digital assets safeguarded with qualified custodians using MPC and offline cold storage
- Fiat held 1:1 with regulated banking partners in segregated client accounts
- 24/7 transaction monitoring and behavioural fraud detection
- Device binding and withdrawal address whitelisting
- Mandatory 2-factor authentication and biometric access
- Periodic proof-of-reserves attestations reconciled against on-chain balances
$4.2B+
Assets processed
Verified
$850M+
Loans originated
Verified
180+
Countries supported
99.99%
Platform uptime
Verified
24/7
Global markets
Everything else in the account
One ledger for cash, crypto, cards and credit.
Your IBAN is the front door. Behind it sits custody, exchange, cards, payments and a dealing desk — on one identity and one set of controls.
4 currencies
IBAN accounts
EUR, GBP, USD, CHF with SEPA, FPS and SWIFT rails.
Insured custody
Crypto & gold
BTC, ETH, stablecoins and tokenised gold (XAUT).
Firm quotes
Instant exchange
All-in pricing with a countdown before you commit.
Instant
Virtual cards
Spend from fiat, stablecoin or gold balances.
Any asset
Payment links
Payers send what they hold; you settle in one asset.
Daily accrual
Earn & staking
Flexible or fixed terms with published rates.
No disposal
Crypto-backed credit
Borrow against holdings without selling them.
Named dealer
OTC desk
Firm two-way pricing for size, settled into custody.
If you want more
Make idle balances productive.
Optional, never required. Allocate to earn products with published rates, or borrow against what you already hold instead of selling it.
Daily
interest accrual, visible in your ledger
Flexible
or fixed-term, rate shown before you commit
Collateral
segregated, never rehypothecated
Alerts
margin notices by email, app and Telegram
Investment risk: Earn, staking and lending products are not savings accounts and are not covered by deposit protection. Returns are objectives, not guarantees. Borrowing against digital assets carries a risk of collateral liquidation if values fall.
Account tiers
Start with an IBAN. Grow into a private bank.
Three tiers, one continuous relationship — from your first deposit to your family office.
Essential
For individuals opening their first IBAN.
- Multi-currency IBAN
- Instant exchange
- Virtual card
- Standard support
Premium
Most opened
For active users needing higher limits and yield products.
- Earn & staking
- Crypto-backed credit
- Higher transaction limits
- Metal card
Private
For HNW individuals, family offices, and institutions.
- Dedicated relationship manager
- OTC desk access
- Bespoke credit structures
- Treasury services
Client voices
Trusted by founders, investors, and family offices.
“The only account I've found that treats my fiat and crypto with the same seriousness. The lending desk unlocked a property deal without touching my BTC.”
Alexandre M.
Founder & Investor
London · $2–5M
“Onboarding took an afternoon. My relationship manager knows my portfolio better than my prior private bank did after three years.”
Sophia K.
Family Office Principal
Zurich · $10M+
“Yield on idle stablecoins, instant FX for supplier payments, one statement. It's the operating account our treasury actually needed.”
Rahul D.
CFO, Tech Company
Singapore · $5–10M
Client quotes are representative and illustrative. Individual results vary. See risk disclosure.
Your own IBAN$1 transfers0.1% FXInstant cardsNo minimumsWithdraw anytime
Accounts open
Grab your virtual IBAN today.
Apply online in minutes. Buy crypto the same day and withdraw with ease.