Dedicated IBANs for Business and Individuals: Multi-Currency Accounts with EUR, GBP, USD, and AED

Dedicated IBANs in EUR, GBP, USD, and AED, now live

A dedicated IBAN is an account number issued in your own name. Not a shared pooled account. Not a reference code sitting under someone else's ledger. Your name, your account, your rails.

TXBFI now issues dedicated IBANs in four currencies: EUR, GBP, USD, and AED. Businesses and individuals can claim them today, hold balances across all four, and move money through standard banking channels.

The distinction matters more than it sounds. A pooled account routes your funds through a provider's master account, which slows reconciliation and complicates compliance. A dedicated IBAN behaves like a real bank account, because functionally it is one. Statements reconcile cleanly. Counterparties see you, not an intermediary.

Why dedicated IBANs matter for business

If you run a company that touches more than one currency, you already know the cost of friction. Cross-border invoices held for review. Conversion spreads buried in the exchange rate. Reconciliation that takes an accountant half a day to untangle.

A dedicated IBAN in each major currency removes a layer of that friction.

• USD for dollar-denominated invoices and international trade, including payments received from your clients and counterparties.
• AED for business across the Gulf, where a local-currency account that accepts incoming payments shortens settlement.
• EUR for holding, funding, and moving your own balances across European rails.
• GBP for managing sterling positions alongside your other currency accounts.

Each currency sits under its own account number in your business name. You fund your account, hold the balance in the currency it sits in, and pay out when you decide to move or convert.

Dedicated IBANs for individuals

The same infrastructure is available to individual account holders. If you earn in one currency and spend in another, dedicated IBANs let you organise funds by currency instead of flattening everything into a single balance.

Freelancers and contractors who invoice in dollars can receive those payments into a named USD account. Anyone doing business across the Gulf can do the same in AED. And for holding, funding, and moving your own money, the EUR and GBP accounts round out a clean multi-currency setup under your own name.

You claim the four currencies, hold what sits in each, and pay out when you need to.

Pay-ins in four currencies, pay-outs across 40

Holding an account is only half the point. The other half is moving money.

Pay-ins arrive into your dedicated IBAN in the four issuing currencies: EUR, GBP, USD, and AED. You fund your account through standard bank transfers in any of those four.

Pay-outs reach much further. TXBFI supports pay-outs in 40 currencies, covering markets across Europe, Asia, Latin America, and the Gulf. That means the account you fund in one of four currencies can settle obligations in dozens more.

The pay-out list spans major and regional currencies, including:

• Europe: EUR, GBP, TRY
• Asia-Pacific: JPY, CNY, HKD, SGD, INR, IDR, PHP, THB, MYR, KRW, LKR, PKR, BDT
• Latin America: BRL, MXN, ARS, CLP, COP, PEN, BOB, CRC, DOP, GTQ, HNL, JMD
• Middle East: USD, SAR, QAR, JOD, ILS

If your suppliers, contractors, or clients sit in those markets, you can pay them directly in their own currency.

Crypto to fiat, without the guesswork

For crypto holders, the dedicated IBAN closes the gap between on-chain balances and real-world spending. Deposit supported assets, convert to fiat, and pay out to a bank account in the currency your recipient needs. Crypto-to-fiat pay-outs run through the same rails as any other transfer, so the money that lands looks like a normal payment on the other end.

Pricing follows the same principle across everything TXBFI does: published rates, one-time card fees, and no hidden charges layered on after the fact.

How to claim your dedicated IBANs

Both business and individual accounts can claim EUR, GBP, USD, and AED IBANs from within the app, available now on the App Store and Google Play. Each account is issued under your name, ready to fund in four currencies and pay out across 40.

The account is yours.