IBAS digital finance app

Transfer Status

Network
SEPA Instant
Settlement Time
< 10 Seconds
Hidden Fees
0.00
Product IBAS

A unified ecosystem for digital finance.

We integrate high-speed digital banking, borderless transfers, strategic lending, and regulated investments into a single, compliant platform designed to elevate your financial agility.

5,000+

EEA Banks Connected

Seamless SEPA network integration.

€100k

Maximum Credit Limit

Instant loan disbursements.

< 10s

Transfer Speed

Average time for internal settlement.

Engineered for global mobility.

Whether you are managing personal wealth across borders or scaling a business in the DACH region, our specialized financial tools are engineered for maximum efficiency, transparency, and security.

Digital Banking & Payments

Our dynamic range of products:

  • British IBAN equipped with SEPA (Single European Payment Area) access
  • ePOS and QR code payment solutions
  • Debit cards and secure payment gateway
  • Utility Bills payment services
  • Hassle-free payments for public institutions

International Money Transfers

Our global services include:

  • Seamless transfers to and from more than 5,000 European Economic Area banks
  • Effortless withdrawals from PayPal, Wise, and similar e-wallets
  • Convenient payments for outsourcing platforms such as Upwork, Fiverr, PeopleperHour, TopTal etc.

Loans for payments

Our loans cater to a variety of needs:

  • Loans for payments up to EUR 100,000
  • Overdraft facilities up to EUR 100,000
  • Buy Now Pay Later scheme offering three months interest-free

Investment Advisory Services

Our specialized services cover:

  • Expert advice and investment plans for purchasing financial instruments like shares, bonds, commercial receipts, and
  • Strategic guidance and investment plans for selling financial instruments such as shares, bonds, commercial receipts.

We combine advanced financial infrastructure, intelligent technology, and intuitive design to deliver a seamless digital banking experience. From personal wealth management to cross-border business transactions, IBAS is built to scale with the demands of the modern financial landscape.

Success stories

Trusted by businesses and individuals across Europe.

See how IBAS is simplifying daily finances, empowering businesses, and making cross-border transfers effortless for thousands of users.

Rated 4.9/5 by digital banking users

I send money to Kosovo directly to my family with no fees. My family uses the IBAS Mastercard to withdraw cash or pay in stores-also with no fees. I recommend IBAS to every migrant.

Bahri Cani

Bahri Cani

Journalist

My experience with IBAS has always been positive. Fast, accurate transfers and a professional, dedicated team. I use it for both personal and business needs in Austria.

Shiqeri Emerllahu

Shiqeri Emerllahu

Albi, Salzburg (Austria)

The seamless integration and mobile-first approach make managing finances between the EU and Kosovo effortless. It is a modern solution for a modern digital workforce.

Dionit Kurti

Dionit Kurti

Property Manager at Airbnb

The Buy Now Pay Later options have been an advantage for my business. IBAS gives us flexibility and keeps us competitive.

Blerim Hoxha

Blerim Hoxha

Hospitality Entrepreneur

The only financial app you’ll ever need.

From everyday utility payments to cross-border transfers and expert investment advisory, take complete control of your wealth with IBAS.

Get Started Now