The IBAN (International Bank Account Number) is the unique identifier of the User Account.
The IBAN uniquely identifies an individual account, at a specific financial institution, in a particular country. IBAN is the ISO 13616 international standard for numbering bank accounts. Many information on IBAN from European Central Bank can be found here : https://www.ecb.europa.eu/paym/integration/retail/sepa/iban/html/index.en.html
Once a user is created, an account can be created and will be attributed with an IBAN .
IBAN length varies by country. For France, the IBAN is up to 27. Also, french overseas territories have IBAN with FR but not all. You can also have these codes : GF, GP, MQ, RE, PF, TF, YT, NC, BL, MF(French part), PM and WF.
Our API offers the ability to manage all aspects of the account. From getting the balance of the account to set the different limits of transactions : you can adapt the account to your use cases.
More information regarding this endpoint in the API reference.
You can setup account limitations here :
You can retrieve account balances here :
You can access all your customer account operations but also your own account operations.
You can find more here :
Based on your customer risk management you can sometimes allow customers to spend more than its customer balance.
Please note that any additional balance will be automatically covered by you as partner.
You can setup an additional balance here :