Virtual IBANs · UAE
Virtual IBANs, a number for every currency.
Give every currency its own set of account details. Vault Money provides virtual IBANs and named multi-currency accounts through regulated partners, so your business can receive, hold and reconcile foreign payments as if you held a local account in each market.
Local account details, without a local entity
When a client or marketplace pays you, they want to send to normal-looking account details in their own country and currency — an IBAN in Europe, a sort code and account number in the UK, and so on. Without them, payments bounce, arrive late, or land with fees and a mystery reference your finance team can’t match.
A virtual IBAN solves that. Vault Money issues virtual IBANs and named multi-currency virtual accounts through regulated partners, so you get dedicated account details per currency — to receive cleanly, hold the balance, and reconcile every incoming payment automatically, all without opening a company or a bank account in each country.
How virtual IBANs work
Tell us your currencies
Share which currencies you need to receive and reconcile — EUR, GBP, USD, AED and more.
Get dedicated account details
We issue virtual IBANs / named virtual accounts per currency through regulated partners.
Receive and reconcile
Payments arrive to clean, matchable details; funds sit in the matching currency balance.
Convert or pay out on your terms
Hold, convert at a transparent rate, or pay suppliers straight from the balance.
What you get
Virtual IBANs per currency
Dedicated account details so clients pay you the way they expect.
Foreign-currency business account
Receive and hold in each currency instead of force-converting on arrival.
Clean reconciliation
Named virtual accounts make incoming payments easy to match and reconcile.
No local entity needed
Accept local-style payments without incorporating or banking in each country.
Pair with FX & payouts
Convert at near-interbank rates or pay out directly from balances.
Regulated partners
Accounts and IBANs are issued by independently licensed partners.
Who uses virtual IBANs
Exporters and digital businesses collecting from clients abroad; marketplaces and platforms paying and collecting across borders; and any UAE company that wants local-looking account details in multiple currencies without setting up entities everywhere.
Related: multi-currency accounts, cross-border payments, corporate FX and business banking.
Regulated by design, in every market we operate
Vault Money is not a single company in a single country. We operate through separate, independently registered entities so that your money is handled under the rules of the jurisdiction it moves through — not routed offshore to escape them.
United Arab Emirates
Vault Money L.L.C-FZ — Meydan Free Zone licence 2643541.01, TRN 105365822300001. Our headquarters.
United States
Vault Money LLC — registered Money Services Business with FinCEN, MSB registration 31000336764029. Verify at FinCEN →
Canada
Vault Money Limited — FINTRAC MSB N300001905 and Bank of Canada RPAA payment service provider (Registered). Verify at FINTRAC →
Get your virtual account details
Tell us which currencies you need to receive in and roughly how much. We’ll set up the right virtual IBANs and multi-currency accounts for your business.
Prefer email? Write to info@vaultmoney.io. We never share your details.
Frequently asked questions
What is a virtual IBAN?
A virtual IBAN is a dedicated account number, in IBAN format, assigned to your business for receiving payments in a given currency — routing funds into your multi-currency account. It lets clients pay you local-style details without you holding a traditional bank account in that country.
Can I get virtual IBANs in several currencies?
Yes — that is the point. You can hold dedicated account details across multiple currencies from one relationship, so each currency has clean details to receive and reconcile against.
Who issues the accounts?
Virtual IBANs and accounts are issued by Vault Money’s network of regulated, licensed partners. Vault Money is your operating partner across them and does not itself hold a banking licence or take title to client funds.
Is Vault Money regulated?
Vault Money operates through registered entities in the UAE (Meydan Free Zone), the US (FinCEN MSB) and Canada (FINTRAC MSB, Bank of Canada RPAA), and settles through independently licensed partners. It does not itself hold a banking licence or take title to client funds.