Overview
Ibanera, at a glance.
Ibanera is a money services business headquartered in the United States, regulated by FinCEN. Pricing is agreed with each client. Opening an account takes 3–5 days.
Ibanera's US terms say balances are not deposit-insured. Business accounts use a sub-ledger and may use a pooled account held for the benefit of customers.
Why businesses pick Ibanera
- US dollar accounts with ACH, wires, instant US payments and SWIFT
- Crypto conversion and card issuing through the same platform
- Built for fintechs, platforms and Web3 businesses that integrate by API
Watch out for
- Registered as a money services business, not as a bank
- Balances are not deposit-insured
- Prices, accepted countries and currencies are not published
- No Trustpilot reviews
Business fit
Will Ibanera accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Ibanera's published rules
Needs review
Ibanera works with Fintechs, but does not publish the countries it accepts companies from.
Ibanera does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Ibanera publishes about the businesses it takes on.
Who Ibanera serves
- Financial institutions
- Crypto
- E-commerce
All 8 industries on Ibanera's accepted list
- Fintechs
- Platforms and embedded-finance businesses
- Enterprises
- Institutional clients
- Digital commerce
- Global businesses
- Web3 and digital-asset businesses
- Businesses requiring API-driven banking, payments or card issuing
Not supported
Industries and countries Ibanera does not accept, from its own published lists.
Industries
- Investment and credit services: securities brokers; mortgage consulting or debt-reduction services; credit counselling or repair; real-estate opportunities; investment schemes
- Restricted financial services: check cashing; bail bonds; collections agencies
- Intellectual-property or proprietary-rights infringement: sales, distribution or access to counterfeit music, movies, software or other licensed materials without authorization
- Counterfeit or unauthorized goods: unauthorized sale or resale of brand-name or designer products or services; illegally imported or exported or stolen goods
- Regulated products and services: marijuana dispensaries and related businesses; tobacco, e-cigarettes and e-liquid; online prescription or pharmaceutical services; age-restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; products and services with varying legal status between states
- Drugs and drug paraphernalia: narcotics, controlled substances and equipment designed for making or using drugs, including bongs, vaporizers and hookahs
- Pseudo-pharmaceuticals: pharmaceuticals and products making health claims not approved or verified by the applicable regulator
- Substances designed to mimic illegal drugs, including salvia and kratom
- Adult content and services: pornography and obscene material; prostitution, escorts, pay-per-view and adult live-chat services
- Multi-level marketing: pyramid schemes, network marketing and referral marketing programmes
- Unfair, predatory or deceptive practices: high-reward investment opportunities; resale without added benefit; resale of government offerings without authorization or added value; and activities Ibanera considers unfair, deceptive or predatory
- High-risk businesses that Ibanera believes pose elevated financial risk or legal liability or violate card-network or bank policies
Countries
- Not published
Coverage
Where can you use Ibanera?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
USD
- USD
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does Ibanera cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
Not published
Business account
Custom
Transaction fees
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Crypto
| Cost | Listed amount | How it is charged |
|---|---|---|
| On-ramp (fiat to crypto) | Not published | |
| Off-ramp (crypto to fiat) | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is Ibanera a bank?
No. Ibanera LLC is registered in the United States as a money services business. Balances are not deposit-insured.
How much does Ibanera cost?
Prices are not published.
Who is Ibanera for?
Fintechs, platforms, digital commerce and Web3 businesses that want accounts, payments, crypto conversion or card issuing through an API.
Which businesses does Ibanera not accept?
Its terms exclude securities brokers and investment schemes, check cashing, bail bonds, collections agencies, counterfeit goods and intellectual-property infringement, among others.
Alternatives
How Ibanera compares.
If Ibanera is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 IbaneraThis pageMoney services business |  | CryptoAPI |
| Arival BankInternational financial entity |  | Crypto-friendlyNon-residents accepted |
| BVNKE-money institution |   | StablecoinsEnterprise |
 MercuryFintech company | | US business accountNon-residents accepted |
 Fiat RepublicE-money institution |  | Crypto platformsAPI |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.