Current Account

Your personal EU IBAN.
In the country that works for you.

Pick your jurisdiction. Verify your ID once. Get a real, personal IBAN that’s yours — ready for salary, transfers, standing orders, and everything else a bank account should do.

Three steps. One real account.

No queues, no paper forms, no branch visits. The whole thing can be done from your phone in under an hour.

1

Register in 90 seconds

Email, a password, the basics. You’ll get access to your dashboard immediately — no approvals to wait for, no status-pending limbo.

2

Verify your identity (KYC)

Our regulated verification partner walks you through a quick selfie and document check. Required by EU anti-money-laundering law — we do it properly because your money deserves a properly licensed home.

3

Pick your IBAN jurisdiction

Germany, Austria, Netherlands, Ireland, or Lithuania. Whichever fits your work, your life, or your tax situation. Your IBAN is live within 48 hours of KYC approval.

Your name. Your IBAN. Your money.

Every Eisenberg Bank account is issued under your legally verified identity. That matters — and not for a boring compliance reason.

It means your salary, your tax filings, your utility bills, your landlord, and your pension provider all see the same name on the same account. No nominee accounts, no shared IBANs, no grey-zone structures that a bank can freeze on a bad Tuesday.

It’s also the only way to stay compliant with EU anti-money-laundering rules — the same rules that stop someone else from moving your money out of your account without your fingerprint on it. Safety and simplicity, at the same time.

Account Holder
Klaus Werner
IBAN
DE89 3704 0044 0532 0130 00
BIC
NVPYCHZZ
Status
Active

A real account. With real account things.

Receive salary

Give your employer your IBAN and get paid like you would at any major bank.

SEPA direct debits

Rent, utilities, gym, Netflix — all your standing orders work out of the box.

Instant transfers

Send money to any EU bank account in seconds with SEPA Instant.

Multi-currency spending

Hold and spend in 30+ currencies at interbank rates through your Eisenberg Bank Card.

Dual deposit protection

CHF 100K Swiss (esisuisse) + €100K EU DGS via partner bank. Double the safety net.

Zero account fees

No monthly charges. No minimum balance. No surprise deductions.

Common questions.

Why do I need to verify my identity?

EU anti-money-laundering (AML) regulations require every regulated financial institution to verify the identity of every account holder. It’s how Europe keeps the financial system safe from fraud and abuse — and it’s the same check any traditional bank would run on you. The difference is we do it in minutes, not weeks.

Can I choose which country my IBAN is issued in?

Yes. At signup you’ll pick from Germany (DE), Austria (AT), the Netherlands (NL), Ireland (IE), or Lithuania (LT). All IBANs are fully SEPA-compatible and accepted everywhere in Europe, regardless of which country code they start with.

Does the account cost anything?

No. The Eisenberg Bank current account has no monthly fee, no account-opening fee, no minimum balance, and no surprise deductions. We make our money by running Savings Vaults efficiently — not by charging you to hold your own money.

Can I open an account in someone else’s name?

No. Every Eisenberg Bank account must match the legally verified identity of the person using it. This isn’t bureaucracy — it’s what keeps your account safe from being used by somebody else, and it’s what keeps us compliant with EU law.

Real banking, without the bank.

Open your Eisenberg Bank current account today. IBAN live within 48 hours of KYC approval.

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