Receiving Funds via Virtual IBANs

Available via: Dashboard only

What Are Virtual IBANs?

Inflow provides you with dedicated virtual IBAN accounts — unique bank account numbers that route incoming transfers directly to your Inflow balance.

This is useful for:

• Receiving bank transfers from clients or partners
• Receiving payments from platforms that only support bank transfers
• Consolidating funds from multiple sources into your Inflow balance

How to Get a Virtual IBAN

1. Go to Virtual accounts in your Inflow Dashboard.
2. Click Create EUR account or Create USD account.
3. Your bank details are displayed on the card. Click the account to see all of them, including:
   • IBAN and BIC (EUR), or account number and routing number (USD)
   • Account owner name
   • Bank name and address

See Virtual Accounts.

How to Use It

Share your virtual IBAN details with anyone who needs to send you a bank transfer. When funds arrive:

1. The transfer is detected automatically.
2. The deposit appears in Transactions → Deposits, and under the account in Virtual accounts.
3. Funds are added to your available balance.

Supported Currencies

Virtual IBANs are available for:

• EUR — Eurozone transfers (SEPA)
• USD — US dollar transfers

Marketplaces (Connect)

If sub-merchants use virtual IBANs through Inflow Connect, additional country restrictions apply on top of the standard merchant baseline. See Countries and virtual IBAN and Business activities.

Important Notes

• Virtual IBANs are unique to your merchant account.
• Incoming transfers settle in the matching stablecoin on your balance (EUR IBAN → EURC, USD IBAN → USDC). Check GET /api/balance → custodialBalances for amounts.
• Processing time depends on the sender's bank (typically instant for SEPA Instant, 1-2 days for standard SEPA).
• Virtual IBANs are managed from the Dashboard only.