A few companies in the European financial technology sector, as well as other organisations who frequently encounter the problem, came together to tackle the ongoing issue of IBAN discrimination in Europe.

This reporting website created by Wise - and supported by coalition members listed below - aims to help make IBAN discrimination a thing of the past. Anyone can submit a case, regardless of who you bank or pay with. Your discrimination cases will then be passed on to the relevant authorities, so they can take appropriate action.

Wise is a global technology company, building the best way to move money around the world. However you use the platform Wise is on a mission to make your life easier and save you money.

Raisin is the leading pan-European wealth management platform, connecting retail customers with financial institutions looking to expand or diversify their deposit reach. 

N26 believes that your bank should be as mobile and flexible as you. That’s why they're offering a 100% digital banking experience that’s designed to be simple and transparent. Centered around you, it’s an app that feels good to use—integrating the most innovative technology to make life easier, and enabling you to live and bank your way.

Revolut is reinventing how you handle your money. Exchange money with no hidden fees. Buy crypto, gold and manage your money with spending analytics. They work to make your finances easier and more rewarding.

Starling Bank  is an award-winning and fully-licensed bank built to give people a fairer, smarter and more human alternative to the banks of the past. Offering four different account types – personal, business, joint and euro, plus a child card. Starling is on a mission to create a bank like no other, that puts the customer first and uses the best technology to transform their relationship with money.

  

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Klarna makes shopping smooth. With Klarna, consumers can buy now and pay later, so they can get what they need today. Klarna’s offering to consumers and retailers includes payments, social shopping and personal finances. Klarna was founded in 2005, has over 3,500 employees and is active in over 17 countries.

  

  

Fire Accounts help businesses of all sizes better manage their payments. Our tech enables businesses to open any number of accounts, issue multiple cards and access all the payment services required to ensure their payment processes are more integrated, faster, more cost effective and secure.

  

bunq is here to break free from the status quo and challenge what banking is and can do for you. It's a fully mobile bank that gives you power over your money and it stands for freedom, transparency and continuous improvement. The app is all about saving time, money and CO2, together.

 

Railsr is the pioneer and innovator in the global Banking as a Platform (BaaP) sector, enabling banks, businesses and brands to define the future of consumer and SME finance. Currently, Railsbank is live and enabling customers in the UK, Europe, SE Asia and the US. It is the only global BaaP player.

Monese is a mobile app alternative to banks, with an account that can be opened quickly and easily. With Monese customers can budget, track spending and send money abroad right from their mobile phone. Monese makes it easy for customers to deposit their salaries with Monese, set-up Direct Debits or standing orders, and save. Monese is available across 31 countries in Europe.

  

  

  

FINOM is the fastest and easiest online financial service for SMEs, freelancers and the self-employed in Europe. The mobile-first platform combines accounting, financial management and banking functions into a single all-in-one app. Their aim is to enable entrepreneurs and demonstrate how finances should be managed in the modern world - as easily as using your smartphone.

  

Estonia is the first country to offer e-Residency, a government-issued digital identity and status that provides access to Estonia’s e-services and transparent business environment. Since 2014, over 80,000 people from 170 countries have joined Estonia’s digital nation in order to start and run a company fully online from anywhere in the world.

  

Contis is transforming payments, issuing and processing. We help corporates, banks, fintechs and insurers unleash their true potential using our proven BaaS capabilities. Founded in 2008 by Peter Cox, Contis provides award winning, secure, cloud-based, real-time payment solutions. We enable our clients to deliver next-generation multi-currency accounts, cards and apps to their customers. One of the FT1000: Europe’s Fastest Growing Companies in 2018, 2019 and 2020. We have offices in the UK, Lithuania and India. Contis benefits from a full licence suite, including FCA and Bank of Lithuania eMoney  Licences which cover the EEA, and a full UK consumer credit licence. Contis is a Principal Visa and Mastercard member with full sponsorship and processing capability. 
  

  

  

ConnectPay is one of the fastest growing Electronic Money Institutions (EMI) in Lithuania – the leading fintech hub in continental Europe - providing banking services for internet-based companies. Strong focus on different legal jurisdiction specifics enables ConnectPay to make compliance work for their clients not against them. ConnectPay holds a secure #2 position in Lithuania among 67 EMIs by the volume of operations and has increased its monthly payment turnover from 181 million to 849 million in one year.

  

  

  

Payoneer’s mission is to empower businesses to go beyond – beyond borders, limits and expectations. In today’s digital world, Payoneer enables any business of any size from anywhere to access new economic opportunities by making it possible to transact as easily globally as they do locally.

  

  

  

Monneo makes doing business easier for thousands of organisations across Europe. A Fintech that has created a network between businesses and banks across the UK and Europe, Monneo serves those who otherwise may have been discounted by traditional financial service providers.

  

Modulr is the Payments as a Service API platform for digital businesses. Businesses can automate payment flows, embed payments into their platforms and build entirely new payment products and services themselves. All managed in real-time, 24/7 from one API.

 

  

Safenetpay is a payment institution that provides an all-in-one payment processing, acquiring and business banking service for SMEs, sole traders and freelancers. Safenetpay offers multi-currency business accounts, international payments in over 150 currencies, card processing and merchant accounts.

  

  

  

RationalFX are one of Europe’s leading international payments companies and are committed to finding custom, localised solutions for anyone who needs to send money overseas. Their products include a 24/7 international payments platform, a mass payments platform and tailored white label options.

  

  

  

YuroPay is a fintech company, founded in 2015 in Hamburg (Germany) and is a licensed agent of a Maltese e-money financial institution. YuroPay offers an online account with a dedicated IBAN and a Mastercard for individualsand corporates. You can make SEPA/SWIFT transfers, direct debit, instant payment to other YuroPay accounts, use your Mastercard at POS contactless, online, withdraw at all ATMs worldwide and more.

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Moneemint is creating a banking experience like never before Fresh like the flavour of mint, an experience that reimagines how you think about banking. A bank built for your smartphone architected around your lifestyle. Built on the foundations of socially responsible banking and cutting-edge technology, we bring to you, digital financial services that are intelligent, unique, and most important, Refreshingly delightful.

  

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Cledara is the all-in-one SaaS purchasing, management, and compliance platform for growing companies. Cledara combines management tools for teams with a payments platform to help companies take control of their software investments so they may operate more effectively across teams, comply with regulations and ultimately focus on what really matters - serving their customers.

Bankera is providing payment services to individuals and businesses, primarily from digital industries. Bankera offers dedicated IBAN accounts for SEPA/SWIFT transfers, debit cards, business financing and payment acquiring solutions. In addition, financial companies can issue Visa cards through us.

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IAMTN- Payments Network is the only non-profit membership association that represents payments service providers around the world. We interact with different stakeholders to bridge the gap between the public and the private sector. We represent IAMTN members in extensive regional and international forums and have open lines of communication with agencies such as the FATF, FSB, G20, World Bank, International Fund for Agricultural Development (IFAD), UNCDF, Swiss Agency for Development and Cooperation (SDC), GIZ and many others.

Banking Circle is the payments bank for the new economy, delivering payments and banking services by connecting to the world’s clearing systems.

Through Banking Circle, Banks and Payments businesses can access global cross border payments, accounts and liquidity management – delivered seamlessly through a single API with market-leading compliance and security.

TrueLayer is a global open banking platform that makes it easy for anyone to build better financial experiences. Businesses of every size use TrueLayer to power their payments, access financial data, and onboard customers across the UK, Europe, and Australia.

3S Money is a global payments provider on a mission to create a fair financial world for businesses everywhere. Our cross-border payments ecosystem combines innovative Fintech solutions and better service levels than traditional banks. Through a single online dashboard, clients can access global payment services and local banking networks wherever in the world they’re based. Our ‘No Chatbot' policy means we offer real human customer support across all aspects of cross-border payments and FX risk management. With the freedom to send, receive, and exchange money in 190+ countries and 65+ currencies, the opportunities for global businesses are limitless.

Banked : is a global payments network built on modern bank rails. Banked powers real-time payments for consumers, businesses and banks, improving the customer experience, payment security, business efficiency and cost effectiveness - a better way to take payments and make payments.

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Token.io is an A2A payment infrastructure provider powered by open banking and built for the payments industry. We enable payment providers to launch ‘Pay By Bank’ capabilities and enhance user experiences across a wide range of other payment use cases (ecommerce funding wallets, paying credit card bills, POS payments, etc.). We also provide access to user-permissioned bank account and transaction data for over 567 million bank accounts in Europe, enabling businesses to create smarter payment and financial experiences

Contact Us

Interested in joining our coalition? Questions about the initiative or how to report?
Email us: [email protected]

Press Inquiries 

Email: [email protected]

Legal

This website is provided by Nation Builder and Wise. Wise is authorised by the Financial Conduct Authority (Firm Reference 900507) for the issuing of electronic money, and by the National Bank of Belgium as an Authorised Payment Institution. All cases of IBAN discrimination submitted through this website will be anonymised. All personal identifiable information will be removed. Then, this anonymised data will be passed on to the relevant authorities and the European Commission, and shared with the supporting companies of this coalition. 

123 Form Builder is the data processor that collects information from citizens and automates workflows through web forms, surveys, quizzes, and polls. All data is hosted on AWS (Amazon Web Services) with data centres across the US and EU. All 123 Form Builder forms are virus & malware protected with a secure 256-bit SSL connection. They’re GDPR and HIPPA compliant and hold ISO 9001 and ISO 27001 security certifications. Read more here.