Dedicated IBAN with SEPA and SWIFT transfers
Banking
A multi-currency account that speaks fiat and crypto
Most people running money across both worlds end up with a bank on one side and an exchange on the other, reconciling by hand. A The Vision Bank account removes that split: euros, dollars, pounds and francs sit in the same ledger as your Bitcoin, stablecoins and tokenised gold, under one set of statements.
Balances in EUR, USD, GBP and CHF side by side
Segregated client money at regulated banking partners
Your own IBAN, not a pooled reference
Each account is issued with named IBAN details, so incoming SEPA and SWIFT payments arrive under your own name rather than a shared reference number that payroll departments and counterparties routinely reject.
Outbound payments run on the same rails. SEPA transfers in euro generally settle same or next business day; SWIFT corridors typically take one to three business days, and every payment shows its fee before you release it.
Four fiat currencies, no forced conversion
Balances in EUR, USD, GBP and CHF are held separately rather than swept into a single base currency. If you invoice in dollars and pay suppliers in euro, both balances stay where they are until you decide to convert.
When you do convert, the rate and the fee are locked and displayed before you confirm — the same quote engine used by the instant exchange.
Where the money actually sits
Fiat balances are held on a one-to-one basis in segregated client accounts at regulated banking partners; they are not lent out or used for proprietary activity. Digital assets sit in custody and are reconciled against on-chain balances.
Account opening runs through identity verification and source-of-funds checks. Most individual applications complete within a business day once documents are uploaded.
Getting started
How it works
- 01
Verify
Complete identity and source-of-funds checks online with a passport or national ID.
- 02
Fund
Receive your IBAN details and send a SEPA or SWIFT payment, or deposit crypto on-chain.
- 03
Operate
Pay, convert, card-spend and earn from the same balances with one statement.
Questions
Multi-currency accounts: common questions
- Can I receive my salary into a The Vision Bank account?
- Yes. The account is issued with named IBAN details, which is what most payroll systems require. Incoming SEPA credit transfers arrive under your own name, and you can convert part of the payment to crypto immediately if you want to.
- Which currencies can I hold at the same time?
- EUR, USD, GBP and CHF are held as separate fiat balances, alongside Bitcoin, Ethereum, major stablecoins and tokenised gold. Nothing is auto-converted into a base currency, so you keep control of when foreign exchange happens.
- Is my fiat balance protected?
- Fiat is held one-to-one in segregated client accounts at regulated banking partners and is not used for lending or proprietary trading. The applicable protections depend on the partner and jurisdiction and are set out in the account terms.
- How long does account opening take?
- Individual applications are typically reviewed within one business day of complete documents being uploaded. Corporate applications take longer because ownership structure and beneficial owners must be verified.