Extend Your Reach with Local Accounts
Cutting-edge physical and virtual accounts in multiple currencies, across multiple jurisdictions – all without the need for a local presence.
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Meet clients in their currency, wherever they are
Manage client money, execute payments across trusted rails, and expand into new markets to unlock incremental revenue.
Pay Local, Go Global
Local pay-ins and pay-outs in 24 currencies, localised IBANs in AU, DE, DK, GB, LI, LU, PL, SE.
Smarter Currency Flows
Deep liquidity pools, competitive FX execution, and fiduciary account capabilities for flexible, compliant liquidity management.
Multiple Settlement Options
Real-time, batch, or scheduled payments, always aligned with our risk and compliance standards.
Integration Built for Institutions
API-first architecture, SWIFT connectivity, SFTP, and secure portal access for seamless integration into existing systems.
Client-Level Reconciliation
Dedicated IBANs for each end-client. No need for pooled accounts or shared references, which reduces operational risk.
Bank-Grade Controls, Fintech Agility
Luxembourg-regulated banking partner with AML/CTF compliance, scheme certifications, and the agility to adapt to market needs.
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Simplify business in a multi-currency world
Create virtual accounts individually or in bulk in seconds via our self-service offering to:
Streamline Reconciliation at Client Level
Provide unique IBANs per client for transparent fund segregation and precise reconciliation.
Examples: Banks, investment firms, brokers, insurance companies, pension funds, law firms holding client deposits.
Pay on Behalf of Your Customer (POBO)
Pay in your customer’s name with full ownership mapping and transaction-level visibility.
Examples: Banks, fintechs, payment businesses, multinational corporations, global payroll providers, e-commerce platforms, gig economy networks.
Collect on Behalf of Your Customer (COBO)
Collect in-country in your customer’s name without establishing a local legal entity.
Examples: Banks, fintechs, payment businesses, international marketplaces, subscription services, regulated gaming operators.
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Why choose
Banking Circle Australia?
Access Local IBANs
Assign unique addressable IBAN numbers to customers in markets where options are typically constrained.
Scalable Infrastructure
Leverage technology able to support millions of API calls 24/7 and keep pace with your ambitions.
Compliant and Trusted
Meet local safeguarding requirements with segregated client money accounts, trusted by 650+ financial institutions globally
T.C. Guruprasad,
Managing Director & CEO, Payment Solutions,
EbixCash World Money.
“Opening our own multi-currency nostro account is a structural shift from agent-based transfers to infrastructure-grade payments. It reduces costs and uncertainty while elevating compliance and customer experience.”
Iain Stredwick,
Senior Vice President, Network Management,
Crown Agents Bank.
“Banking Circle has been a trusted partner for Crown Agents Bank. We lean on Banking Circle’s Virtual IBAN and international payment solutions to complement our client proposition.”
Sanjay Tripathy,
Co-Founder & CEO,
BRISKPE.
“Banking Circle’s direct and local payment rails allow us to deliver the speed, transparency and cost savings that our exporters need to compete globally.”
Power Your Payments
Partner with Australia’s leading payments bank. Get direct access to Australia’s clearing systems plus international payment rails, all through one API.