23 Sep 2025
How to Open and Use an IBAN Account with Credits.com: A Complete Guide
How to Open and Use an IBAN Account with Credits.com: A Complete Guide
In today’s fast-moving financial world, entrepreneurs, freelancers, and even everyday users need tools that simplify payments across borders. One of the most powerful tools for this is an IBAN account—and Credits.com makes it simple to get one online in just a few steps.
This article explains what an IBAN account is, how Credits.com provides them, and why you might want one for yourself.
What is an IBAN account?
IBAN stands for International Bank Account Number. It’s a standard format used in Europe and many other regions that allows banks and payment systems to quickly and securely process international transfers.
With an IBAN, you can:
Receive payments from employers, clients, or partners across Europe.
Send SEPA transfers in EUR at low cost.
Connect to global marketplaces, payment processors, or business partners.
Why open an IBAN account at Credits.com?
Unlike traditional banks, Credits.com offers digital-first IBAN accounts that combine classic financial tools with modern fintech features.
Here’s what makes them stand out:
Fast and online – Apply in minutes through the Credits Wallet app or website. No branch visits required.
Free account opening – No monthly account maintenance fee for individuals.
Low-cost transfers – Incoming SEPA payments are free, outgoing cost as little as €0.50.
Crypto integration – Fund your IBAN from your crypto wallet in Credits.com and convert to fiat instantly.
Dedicated account – Each user gets a personal IBAN, not a shared “pooled” one.
Step-by-step: How to get your IBAN with Credits.com
Step 1. Sign up
Download the Credits Wallet app (iOS, Android) or go to credits.com.
Create your account with an email address and password.
Step 2. Complete verification (KYC)
Upload your ID (passport, national ID card, or driver’s license).
Provide proof of address (utility bill, bank statement, or government letter).
Verification usually takes up to 12 hours.
Step 3. Request your IBAN
In the app, go to “Accounts” → “Open IBAN.”
You’ll receive a dedicated EUR IBAN linked to your profile.
Step 4. Fund your account
Transfer EUR from another bank via SEPA.
Or, top up from your Credits crypto wallet (BTC, ETH, USDT, etc.) and convert into EUR.
Step 5. Start using your IBAN
Receive salary or payments from clients.
Pay suppliers, freelancers, or subscriptions.
Export transactions to your accounting system for easy bookkeeping.
Who can benefit most?
Freelancers working with clients across Europe.
Startups looking for a quick, reliable way to handle EUR transactions.
Expats & remote workers who need to get paid in Europe but don’t want to open a traditional bank account abroad.
Crypto enthusiasts who want to move easily between digital assets and fiat currencies.
Fees at a glance
Opening an account: Free
Incoming SEPA transfers: Free
Outgoing SEPA transfers: €0.50
Currency conversion: competitive rates shown in-app
(Fees may vary depending on your plan: Standard, Premium, or Business.)
Is it safe?
Yes. Credits.com partners with a regulated European e-money institution. Funds are stored in segregated accounts, meaning your money is legally separated from company operating funds. Security features include:
PCI DSS compliance
Two-factor authentication
Strict European financial regulation
How to get started today
Opening an IBAN account with Credits.com is quick, cost-effective, and fully digital. Whether you’re a freelancer in Berlin, a startup in Warsaw, or a consultant working remotely from Asia, it’s a straightforward way to plug into the European payments network.
👉 Visit credits.com/ibanaccounts to open your account today and experience borderless banking made simple.
💡 Pro tip: If you’re also interested in business IBAN accounts, Credits.com offers tailored solutions for companies, with multi-user access and advanced payment controls. Perfect for startups and SMEs scaling internationally.
