Introducing personal crypto IBANs
Create a personal IBAN to receive bank transfers from anyone directly in crypto in your wallet, and send transfers to anyone using crypto from your wallet.
7 minutes|Yann Gerardi|Published 2025-12-02
We are excited to announce that the long-awaited personal IBANs are now available to all our users!
With this new feature, you can transform your self-custodial wallet into something more: a universal account that seamlessly sends and receives money across both blockchain and traditional banking networks.
This evolution is a major step toward making self-custody more convenient and integrated into everyday life.
Let's dive in!
What is the personal crypto IBAN
An IBAN is an address used for payments through the banking system. It typically identifies a bank account, but in our case, it identifies a crypto wallet. This means that when a bank transfer is sent to your IBAN, the funds arrive directly in your own wallet - which you fully control - instead of an account controlled by a bank.
When you create a personal IBAN with us, here are the different things that you can choose:
The currency
We currently offer IBANs denominated in either euros or Swiss francs. Your choice determines the currency in which you can send and receive bank transfers.
The blockchain
This is the default network where your funds will be received, unless specified otherwise by a purchase reference in the bank transfer. You can select any of the 15 blockchains that we support.
The cryptocurrency
The default crypto-asset into which incoming funds will be automatically converted when a bank transfer arrives on your IBAN, unless otherwise specified. You can choose any of the cryptocurrencies that we support on the chosen blockchain.
The receiving address
This choice determines the default wallet address where your cryptocurrencies will be delivered upon receiving a bank transfer. It can be your Bridge Wallet address or any other wallet address (Ledger, Trezor, Metamask, etc) that has been linked to your user profile with us. See how to link an address for more details.
Please note that your choices of the chain, cryptocurrency and receiving address define where your funds go by default, if no other information is provided in the bank transfer. However, you can still use your personal IBAN to receive other cryptos on different chains and wallet addresses by including a purchase reference in the transfer.
To send bank transfers from your personal IBAN, you can use any supported crypto from any supported chain and any of your wallet addresses, it is not limited by the default chain, crypto and wallet that you have selected when creating your personal IBAN.
Receive bank transfers from others
Your personal IBAN can receive bank transfers from anyone, not just accounts in your name. This allows you to receive money from friends and family, as well as from companies and institutions like insurance providers, tax offices, and more.
It also means you can share your personal IBAN with your employer to receive your salary, effectively getting paid in crypto without any consequence for you or for them.
If you are a business user, you can use the IBAN to receive bank transfers from your customers.
Send bank transfers to anyone
With your IBAN, you can send bank transfers using cryptocurrencies from your wallet to others, who simply see a banking transfer sent from your name. This works for payments to friends and family, but also to cover all your bills like rent, utilities, insurances, suppliers, etc.
Unlock your freedom
This new feature is a huge milestone for us. From the very first day, our mission has been to promote self-custody and make it simple enough to become a genuine, practical alternative to a traditional bank account.
Today, that vision has become reality. By giving your wallet its own personal IBAN, it becomes a powerful tool that lets you hold and manage your money entirely on your own terms—no intermediaries, no third-party custody—while still being able to make transactions with the rest of the world.
It becomes a tool to opt-out from the custody of the banking system, the key to unlock your financial freedom.
FAQ
Who can get a personal IBAN?
Anyone can request a personal euro or Swiss franc IBAN with us, as long as you are not in our list of excluded countries:
We accept clients from all countries, except US and Russian persons, and residents of:
Afghanistan, Angola, Bangladesh, Belarus, Burkina Faso, Burundi, Central African Republic, Cuba, Democratic Republic of the Congo, Guinea, Guinea-Bissau, Haiti, Indonesia, Iran, Iraq, Lebanon, Libya, Mainland China (Hong Kong and Taiwan accepted), Mali, Myanmar, Nicaragua, Niger, North Korea, Russia, Somalia, Sudan, South Sudan, Syria, Trinidad and Tobago, Venezuela, Yemen, Zimbabwe.
Is identity verification required to get a personal IBAN?
Yes, you must successfully verify your identity with us before obtaining a personal IBAN.
How to get a personal crypto IBAN?
Choose the option that applies to you for detailed instructions:
I am a new user:
If you already have a crypto wallet with another app, simply go to our web interface here to register with us, verify your identity and request an IBAN.
If you don't have a crypto wallet yet, you can download our mobile app here, create a new wallet then follow instructions to verify your identity and request an IBAN.
I am an existing user but I haven't verified my identity yet:
If you are already registered with us but haven't verified your identity, you will need to first do so in our web interface here or in our mobile app in your user profile. Once done, you will have access to the option to create a personal IBAN.
I am an existing verified user:
If you are already verified with us, go to our web interface here or simply open our mobile app and tap the “Get your own IBAN” button on the app's main screen.
Can companies and organizations get a crypto IBAN?
Yes, companies and associations can obtain an IBAN labeled in their legal name. To do so, a legal director of your company must go to our web interface here and follow instructions to register and pass his/her personal KYC. At the end of the KYC process, there will be an option to continue registering as an organization.
What does the IBAN cost?
Getting an IBAN is free. Our standard exchange fees apply to any currency conversions made with your IBAN. You can get 100% free exchange up to CHF 50,000 of volume per year by holding MPS tokens, our tokenized shares. For more information, visit our shareholders page.
How many IBANs can I get?
For now, you can have only one personal IBAN. We will introduce support for multiple IBANs in the future.
Can I link an IBAN to an external wallet?
Yes, you can attach your personal IBAN to any self-custodial wallet (Ledger, Trezor, Metamask, Rabby Wallet, etc). You will need to first connect and verify that wallet on our web interface here, then create your personal IBAN and select the newly added wallet address in the “Receiving address” dropdown menu.
Must I declare my personal IBAN?
The personal IBAN is not a bank account, so you don't have to declare the IBAN itself. You remain of course responsible to declare your crypto-assets in accordance with relevant regulations. For more details, read our crypto tax blog post.
Are there any limits to use my personal IBAN?
There are no limits as such, but please note that to comply with our regulatory obligations, transfers to/from others may be subject to extra checks and requests for information. For example, if you send and receive regular payments from the same persons or entities, we might ask you to provide details about your relationship with them in order to continue using our service without restrictions.
