Individual IBAN
An Individual IBAN is a personal bank account issued under your own name in the International Bank Account Number format, enabling you to send and receive payments across 80+ countries with one account number.
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Key Features
Personal dedicated IBAN
An IBAN issued in your own name, recognised by SEPA and global banks.
Multi-currency wallets
Hold and convert EUR, USD, GBP, CHF, and more in one account.
SEPA and SWIFT
Receive salary, transfers, and refunds from anywhere in the world.
Mobile-first dashboard
Manage balances, payments, and statements from your phone.
Card pairing
Add a virtual debit card to spend instantly online and offline.
Transparent FX
See the live mid-market rate and a small clearly-shown margin.
Who Is It For?
Expats
- ✓ Receive salary abroad
- ✓ Pay rent in another currency
- ✓ Send money home
Freelancers
- ✓ Bill international clients
- ✓ Hold revenue in source currency
- ✓ Pay overseas suppliers
Frequent travellers
- ✓ Avoid high FX fees
- ✓ Spend abroad with a card
- ✓ Withdraw locally
How It Works
- 1
Sign up online
Enter your details and verify your ID with a quick selfie and document check.
- 2
Get your IBAN
Receive your personal IBAN as soon as KYC is approved — typically minutes.
- 3
Start transacting
Receive funds, pay bills, send money, and spend with your virtual card.
Benefits
One global account
Replace several local accounts with a single multi-currency IBAN.
Lower fees
Transparent pricing with no hidden FX margins.
Fast onboarding
Fully digital sign-up, normally completed in minutes.
Without vs With qeam.net
Without qeam.net
- • Multiple bank accounts to manage
- • Slow in-branch onboarding
- • Opaque FX rates
- • Limited cross-border use
With qeam.net
- ✓ Single IBAN, multiple currencies
- ✓ Digital KYC in minutes
- ✓ Transparent FX
- ✓ Global reach from day one
Frequently Asked Questions
Open Your Individual IBAN Today
Fully digital onboarding. Get verified in minutes, subject to compliance checks.