An all-in-one payment solution for your business

Demivolt is not a traditional bank. Demivolt operates as an Electronic Money Institution, which means it can provide regulated electronic money and payment services, including business accounts, IBANs, and payment capabilities.

Unlike a traditional bank, Demivolt focuses on modern payment infrastructure, embedded finance, card programmes, and business account solutions. This makes it suitable for companies that need flexible financial services within a regulated structure.

Demivolt is built for companies that need a regulated business payment account, dedicated IBANs and payment services for everyday operations, client payments, supplier payments or international activity.

It may be a good fit if your business needs more than a basic account, including payment infrastructure, multi-currency support, team permissions, compliance support or a financial partner that can understand different business models and risk levels.

Your IBAN becomes available once onboarding, due diligence and account approval are complete. The timing depends on your company structure, business activity and how quickly the required documents are provided.

Straightforward applications are usually faster. If the company has a more complex ownership structure, higher-risk activity or missing documents, additional checks may be required before the IBAN can be issued.

Yes, eligible business clients may be able to operate more than one payment account or IBAN, depending on their business needs and approval by Demivolt.

This is useful if a company wants to separate funds, manage different activities or keep clearer visibility across different parts of the business or programme.

Yes, business clients can add users to their account and assign role-based permissions. This helps founders, finance teams, partners and other team members work from the same dashboard.

Access can be organised so users only see or manage what is relevant to their role. This keeps account management practical while still supporting internal controls.

SEPA is used for euro payments across Europe, SWIFT supports international payments between banks and financial institutions, and T2 is used for euro payment settlement within the Eurosystem.

For business clients, this means Demivolt can support different payment needs from one regulated payment account — from everyday euro transfers to international payments and T2-supported euro payment infrastructure where required.