All banks in the following regions: Germany, Lithuania, Netherlands, Belgium, Spain, France, Austria, Portugal, Sweden and Norway. More countries coming soon.

The technical processing is fast; the total time depends mainly on how quickly the user completes the bank authentication. In practice, it's usually a short, one-off interaction during onboarding or application.

For IBANcheck: We only process the minimum needed for verification—IBAN and account holder details, plus metadata about the verification. For CreditCheck: We process transaction data needed for creditworthiness assessment and customer profiling, plus metadata about the assessment. Banking credentials are never stored or accessed—they stay between the user and their bank.

IBANcheck verifies whether an IBAN is valid and belongs to the person you're onboarding. It does not check balances, credit history, or risk scores. CreditCheck analyzes verified financial data from the applicant's bank to assess creditworthiness and create customer profiles based on income, spending patterns, and payment behavior.

For IBANcheck: We compare the information received from the bank (via Open Banking) with the identity and IBAN you provided, and return a clear verification outcome. For CreditCheck: We analyze verified transaction data received from the bank to assess income patterns, payment behavior, financial stability, and other creditworthiness indicators, then return a risk assessment and customer profile.

Yes. Both products offer an API-first approach and can be integrated into your CRM, billing, HR, onboarding, or application tools. The verification and assessment flows can be embedded and visually aligned with your brand.

Yes. The end-user experience can be adapted to your brand so that customers, workers, and applicants feel they're staying in your environment, while IBANcheck and CreditCheck run in the background.

Absolutely. Many clients use both products together during onboarding or screening: IBANcheck to verify account ownership and CreditCheck to assess financial risk and customer capacity. Both can be integrated into a single flow.

Yes. Users must provide explicit consent before IBANcheck or CreditCheck accesses their financial data. This is part of the regulated Open Banking flow and GDPR compliance requirements.