- Products / Accounts
Your money. Structured your way.
Open specific CY IBAN accounts in the currencies that best suit your business or personal needs. Each currency is opened with its own distinct IBAN, account type and available payment route, all managed through The ECOMMVERSE.
- Products / Accounts
Your money. Structured your way.
Open specific CY IBAN accounts in the currencies that best suit your business or personal needs. Each currency is opened with its own distinct IBAN, account type and available payment route, all managed through The ECOMMVERSE.
01 / Account Overview
One platform.
Built around you.
Start with the account type that matches your requirements, then move to the relevant sections for payments, currency exchange, cards, and the greater ECOMMVERSE solution.
Personal Accounts
Everyday money, connected in one place
Receive funds, make payments and manage your accounts, all through The ECOMMVERSE.
Business Account
Account infrastructure for business without borders
Combine dedicated currency IBANs accounts with purpose specific account types for daily operational expenses, settlement, client funds, payroll and escrow.
02 / CURRENCY ACCOUNTS
Hold the currencies your world requires.
Each currency is opened as a separate account with its own balance and available payment route. Additional currencies may be requested, subject to eligibility and operational approval.
EUR
EURO
USD
US DOLLAR
GBP
BRITISH POUND
CHF
SWISS FRANC
AUD
AUSTRALIAN DOLLAR
CAD
CANADIAN DOLLAR
DKK
DANISH KRONE
SEK
SWEDISH KRONA
RON
ROMANIAN LEU
SGD
SINGAPORE DOLLAR
AED
UAE DIRHAM
NZD
NEW ZEALAND DOLLAR
Need another currency or conversion pair?
03 / Personal IBAN Account
YOUR EVERYDAY MONEY. YOUR ACCOUNT STRUCTURE.
Personal Account
A dedicated master EUR IBAN for personal income, payments and everyday financial activity.
features
- One distinct master EUR IBAN
- Multiple currency accounts
- Incoming and outgoing payments
- Account statements and activity records
- Embedded currency conversion
- Access through The ECOMMVERSE
EXAMPLE USE
Receiving salary, paying regular commitments, converting currencies and making personal transfers.
CUSTOMER PROFILES
Students, salaried employees, freelancers, investors and high net worth individuals.
04 / BUSINESS ACCOUNTS
Accounts built around how your business operates.
Use dedicated accounts for general business operations or select a specific account type for a defined financial requirement.
01
Corporate Account
A specific account opened in a single currency for general business activity.
features
- One distinct CY IBAN per currency
- Multiple currency accounts
- Incoming and outgoing payments
- Account statements and business reporting
- Embedded currency conversion
- User roles and tailored approval workflows
- Access through The ECOMMVERSE
EXAMPLE USE
Receiving operational income and paying suppliers, operating expenses and other business commitments.
CUSTOMER PROFILES
Startups, SMEs, large enterprises, group entities, NGOs and more.
02
Settlement Account
An account used to receive payment schemes settlement funds.
features
- Currently available in EUR, USD and GBP
- A unified settlement IBAN for all active acceptance channels
- Connected onward payment capability
EXAMPLE USE
Receiving approved card scheme from acquiring or programme related settlement funds.
CUSTOMER PROFILES
Regulated gaming and gambling, fintechs, payment businesses, programme operators and merchants.
03
Client Account
An account designated as a “client account” for the purposes of crediting funds of your end customer.
features
- Dedicated client account type
- Funds segregated from own corporate funds
- Can facilitate both incoming and outgoing transactions
- Subject to approved client account activity
EXAMPLE USE
Receiving and managing client funds within an approved segregated account type.
CUSTOMER PROFILES
Financial service providers, professional service firms, platforms, and other approved businesses managing client funds.
04
Payroll Account
A dedicated payment function used to fund and execute approved employee salary payments. Available only for EUR payments within SEPA.
features
- Designated Payroll batch file
- Tailored approval workflows
- Dedicated payroll records and activity
- Connected access through The ECOMMVERSE
EXAMPLE USE
Separating payroll funding and execution from the company’s general business operations.
CUSTOMER PROFILES
One for all eligible businesses regardless of type and size.
05
Escrow Account
A designated account where funds are securely held on behalf of transacting parties and released only subject to predefined contractual conditions being met.
features
- Management of funds by an independent third party
- Controlled receipt and release of funds
- Dedicated account, specific for the escrow activity
- Security and protection for both parties
- Supporting document capability
- Activity visibility through The ECOMMVERSE
EXAMPLE USE
Release of funds, subject to specific arrangements and contractual preconditions.
CUSTOMER PROFILES
Real estate businesses, professional service firms (lawyers and legal advisors).
06
Trading Account
A designated account type supporting investments and trading activity performed through ECOMMBX Investments Ltd.
features
- Access to investment services suitable for your investment profile
- Dedicated records and applicable disclosures
- Appropriateness and suitability requirements
- Separate from ECOMMBX electronic money and payment services
EXAMPLE USE
Supporting approved investment or trading activity through the relevant ECOMMBX group entity.
CUSTOMER PROFILES
All business and personal customers of
ECOMMBX Investments Ltd.
05 / ECOMMVERSE Control
One login.
Precisely defined access.
Bring account visibility, payment preparation, approvals, and supporting documents together while keeping responsibilities aligned with the approved customer or business structure.
01
Business profiles
Access and switch between assigned profiles using one set of credentials.
02
Roles & approvals
Define who can view, initiate, approve, execute or administer account and payment activity. Approval workflows can be tailored around your business requirements and user structure.
03
Card administration
View assigned cards and manage cardholder settings, permissions and card status.
04
Account Activity
View, review and manage account activity, statements, payments and supporting information from one connected environment.
06 / SECURITY AND SAFEGUARDING
A regulated foundation
behind every account.
Funds received in exchange for electronic money are safeguarded under applicable EU and Cyprus legislation. They are kept separate from ECOMMBX’s own funds and deposited with reputable financial institutions in dedicated safeguarding accounts until redeemed or used to execute your payment instructions. Electronic money balances are not bank deposits or investments and are not covered by the Deposit Guarantee Scheme or Investor Compensation Fund.
07 / PRACTICAL ANSWERS
Understand the structure
before you apply.
Account availability, currencies, payment routes, permissions and related services depend on eligibility, due diligence, intended use and the approved account types.
No. An ECOMMBX account is not a bank account. It is an electronic money account, which enables customers to execute transactions, subject to the applicable terms and conditions. ECOMMBX customer funds are safeguarded in accordance with the regulatory framework applicable to electronic money institutions.
For the time being No. Each approved account has its own currency, distinct CY IBAN, and available payment route, where applicable.
Eligible customers may request multiple currency specific accounts according to their approved personal or business requirements.
No. Currency and payment route availability depends on the customer profile, country, intended activity, account type and available payment infrastructure.
Availability is confirmed during onboarding or following an individual assessment.
A corporate account supports the business’s approved operating activity, including receiving business income and making eligible payments for suppliers, payroll and other operating expenses.
A client account is a dedicated account type for funds maintained by a business on behalf of their end customer. Being two separate accounts, these funds are recorded separately from the business’s general operating funds.
No. Investment and trading services are provided separately through ECOMMBX Investments Ltd a Cyprus Investment Firm regulated by the Cyprus Securities and Exchange Commission (license no. 228/14).
They are not part of the electronic money and payment services provided by ECOMMBX Ltd and obtaining a trading account remains subject to suitability, applicable terms and risk disclosures.
For more information visit
ECOMMBX Investments Ltd.
IMPORTANT: Account products, currencies, payment routes, permissions, limits and connected services depend on eligibility, fulfillment of due diligence procedures, intended use and the approved account configuration.
Electronic money accounts are intended to support payments and related financial activity. They are not deposit or savings products.
Investment services are provided separately by ECOMMBX Investments Ltd, subject to eligibility, suitability, applicable terms and risk disclosures. For more information visit
ECOMMBX Investments Ltd.
READY TO STRUCTURE YOUR ACCOUNTS?
