ECardPay

Accounts provided through licensed banking and payment partners

Bank details in your own name, wherever you do business

Open named virtual accounts with real local details — IBAN, UK sort code, US routing number, Australian BSB and SWIFT/BIC — and get paid like a local in 14 currencies, with digital-asset balances on the same ledger.

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  • Accounts in your own name
  • Local rails and SWIFT
  • One real-time ledger

Account details

Active
Account holder
AVERY LIM TRADING LTD
IBAN
GB29 ECPY 0000 1234 5678 90
SWIFT/BIC
ECPYGB2L
Receiving country
United Kingdom
GBP · Sort code
04-29-07 · 31926819
USD · ACH routing
028000024 · 4462810039

Share these details to receive local transfers or international wires

Local details

Real account numbers on real local rails

Each currency account comes with the details counterparties expect in that market — so customers, platforms and payroll systems pay you as if you banked locally.

IBAN

Receive euro and other SEPA-reachable transfers to an IBAN issued in your name.

GB29 ECPY 0000 1234 5678 90

UK sort code + account number

Collect GBP through Faster Payments and BACS with domestic UK details.

04-29-07 · 31926819

US routing number

Accept USD by ACH and domestic wire with your own routing and account number.

028000024 · 4462810039

Australian BSB

Receive AUD through the local Australian clearing system with a BSB and account number.

062-192 · 1057 2648

SWIFT/BIC

Take international wires from anywhere in the world into any of your currency balances.

ECPYGB2L

Local details are issued per currency once verification completes. All account and payment services are provided through licensed banking and payment partners.

Multi-currency

Hold 14 currencies natively

Keep each currency as a distinct balance — no forced conversion on arrival, no hidden spread. Exchange between balances only when you choose to, at a locked quote with itemised fees shown before you convert.

Exchange on your terms

Convert between any two balances with a quote that is locked before you confirm. The service fee and FX margin are itemised line by line — the rate you see is the rate you settle at.

USDUSDSGDSGDEUREURGBPGBPCNHCNHHKDHKDCADCADAUDAUDJPYJPYNZDNZDCHFCHFMYRMYRIDRIDRBRLBRL

Fiat and digital assets

Two kinds of money. One account.

Fiat balances settle over bank rails; digital-asset balances settle on-chain. Both sit side by side under the same login, the same ledger and the same controls.

Fiat rails

Receive through local clearing systems or SWIFT into 14 currency balances, each with its own account details.

Receive via

  • SEPA
  • FPS
  • ACH
  • Fedwire
  • BECS
  • SWIFT

Digital-asset balances

Hold USDC, USDT, BTC and ETH with a dedicated deposit address per network — deposits are credited to the matching balance as they confirm.

  • USDCUSDC
  • USDTUSDT
  • BTCBTC
  • ETHETH

Networks

  • Ethereum
  • Tron
  • BNB Chain
  • Polygon
  • Bitcoin

Real-time ledger

Know where every unit is, the moment it moves

Each balance is broken down into available, frozen, incoming and outgoing — updated in real time as money moves, with a full transaction history behind every line.

Available

182,406.20USD

Ready to spend, convert or send right now.

Frozen

3,150.00USD

Reserved by holds, card authorisations or pending reviews.

Incoming

24,900.00USD

Funds on their way in, visible before they settle.

Outgoing

8,712.45USD

Payouts in flight until the receiving side confirms.

Every movement is recorded with its counterparty, rail, fees and timestamps — exportable whenever your bookkeeping needs it.

Account structure

Personal, business and sub-accounts — one login

Run your own money and your company's money side by side, and carve out sub-accounts when you need separation, all behind a single sign-in with an account switcher.

Switch between any of them in two clicks — no separate logins, no separate passwords.

01

Personal accounts

Your own multi-currency balances, cards and payouts — verified once against your identity.

02

Business accounts

Accounts in your company's name with directors and beneficial owners verified, ready for invoicing, settlement and payroll.

03

Sub-accounts

Segregate funds by team, client or purpose under a parent account, with the same rails and the same ledger.

Getting started

Apply in minutes, not weeks

Start your application straight away — verification runs progressively in the background, and your account details are issued the moment it completes.

  1. 1

    Apply

    Create your ECardPay login and start a personal or business application immediately — no paperwork to gather first.

  2. 2

    Verify

    Complete identity verification through our regulated partners. Progressive checks mean you can explore the platform while verification runs.

  3. 3

    Receive your details

    Once verification completes, your named account details are issued per currency and you can start receiving straight away.

Transparent opening fees

Account-opening fees are published up front, and every plan includes free account openings — see exactly what is included on the pricing page.

View plans and opening fees

Ready to move money without borders?

Open your ECardPay account in minutes. Verify once, then issue cards, open currency accounts and send payouts worldwide.

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