Security & compliance
Security and compliance, in plain sight.
Your account’s security rests on regulated partners: a provider authorised under MiCA for your conversions, a licensed e-money institution for your IBAN. Here is what protects you, and where that protection stops.
- Licensed providers
- Safeguarded euros
- Two-factor authentication
What we will never do
- Promise returns or interest
- Ask for your recovery phrase
- Promise anonymity
- Hide a spread in the rate
Who does what
Who provides your services
CryptoIBAN is a brand. Behind each regulated service stands a licensed partner, with a clearly defined role.
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Brand operator
The company operating CryptoIBAN
Designs the service, handles account opening and answers your questions. Its full identity is in the legal notice and in your contract.
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Crypto-asset services
Provider authorised under MiCA
Receives your crypto and converts it into euros, at the firm price shown before you confirm.
Name and licence number stated in your contract, before opening.
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IBAN account and transfers
Authorised payment or e-money institution
Holds your Belgian IBAN account, safeguards your euros and executes your SEPA transfers.
Name and licence number stated in your contract, before opening.
Always check a crypto provider in the ESMA MiCA register and with the authority of its home country.
Your funds
Your euros, safeguarded by a licensed institution
The euros in your account are e-money, issued by our partner, a licensed e-money institution. CryptoIBAN does not hold them.
The law requires that institution to safeguard them, meaning it must keep them separate from its own money.
Safeguarding doesn’t make them deposits: your euros are not covered by deposit guarantee schemes and earn no interest. This account is for paying, not for investing.
- E-money issued by a licensed institution
- Kept separate from its own funds
- Neither a deposit nor an investment
- Converted deposit · 5,000 USDT+€4,422.83
- Rent · L. Dubois−€1,450.00
- Invoice · Studio Ana−€2,200.00
- Energy · Énergie Ouest−€86.40
Camille LaurentBE68 •••• •••• 7034
Your account
A clear activation process
Enter your first and last name, then make an initial deposit of at least $500. Your IBAN is usable once the payment is confirmed.
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Your name
Your first and last name identify the holder displayed on your account.
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Your initial deposit
Choose an amount from $500, then use the exact asset, network and address shown.
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Payment tracking
The payment modal shows receipt and confirmation progress. Your account activates after confirmation.
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Account protection
Use a unique password and enable two-factor authentication from your security settings.
Your account
How your account is protected
Part of security depends on us, part on you. Here are our rules, so you can spot a fake message at a glance.
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Two-factor authentication
A second factor protects access to your account: your password alone is not enough.
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Never your recovery phrase
No one at CryptoIBAN will ever ask for your recovery phrase, your passwords or your codes.
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Payee verified
The payee’s name is checked before every transfer. If a fraudster has changed the IBAN on an invoice, the name mismatch can warn you before you send.
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When in doubt
A message is pushing you to pay or log in? Don’t follow the link: open your account yourself, or write to us.
What the law doesn’t cover
Regulation governs our partners; it doesn’t remove every risk. Neither your euros nor your crypto-assets are covered by deposit guarantee schemes, and crypto-assets fall under no investor compensation scheme: the protection offered by MiCA is limited. Between your deposit and its conversion, their value can fall, sometimes sharply. And a transaction sent on the wrong network or to the wrong address may be lost permanently.
Your data
Your data: only what is needed
On this website: no advertising cookies or trackers, and no IP address stored in clear. An application that doesn’t lead to an account is deleted after 12 months without activity.
The first and last name you provide identify your account. Your payment details are used to create the payment and track its confirmation.
Beyond legal obligations, your data is never sold, rented or used for advertising.
- No advertising cookies or trackers
- No IP address stored in clear
- Unused requests deleted after 12 months
- First and last name. The name of the account holder.
- Initial deposit. At least $500; activation after payment confirmation.
FAQ
Your questions about security
What happens to my euros if CryptoIBAN disappears?
Your euros are not held by CryptoIBAN but by our partner, a licensed e-money institution, which must keep them separate from its own funds. The contract you receive before opening names that institution and states its licence.
How can I check that a crypto provider is authorised?
Since the end of MiCA’s transitional period on 1 July 2026, a crypto-asset service provider must be authorised (art. 59) or notified (art. 60). You can check it in ESMA’s interim register. In Belgium, the FSMA had not authorised any provider as of 9 October 2026: services there are provided by providers authorised in another member state.
Why do you ask about the source of my funds?
Because anti-money-laundering rules require our partners to do so, for every customer. You state it at opening; for a large or unusual amount, you may be asked for a supporting document. Preparing it in advance saves time.
I received a suspicious message in CryptoIBAN’s name: what should I do?
Don’t click any link and don’t share any code: we will never ask for your codes, your passwords or your recovery phrase. Forward the message to us through the contact form: you will get a reply from a person within 24 business hours.
Is my information reported to tax authorities?
Your tax and reporting obligations depend on your country and situation. Keep your transaction records and consult your tax authority or adviser.
Open an account knowing what to expect
Open your account online: before it is activated, you receive the contract, with our partners’ names and licences.
- €0 to open
- No commitment
- Opened online