Your own IBAN, straight to your wallet.
A personal SEPA IBAN in your name. Euros sent to it arrive as EURC, and you can send them back to your bank.
Where available, after a one-time identity check. Issued by Bridge.xyz.
Your bank and your wallet, connected.
Share your IBAN like any bank account. Euros sent to it arrive in your wallet as EURC.
Set up in three steps
From identity check to your first euros, all in the app.
- Identity verifiednowYour IBAN is ready
Verify once
A one-time identity check with Bridge.xyz, where available.
Share your IBAN
Copy your details and give them to anyone who pays you.
Get paid in euros
Euros sent by SEPA arrive in your wallet as EURC.
Questions about your IBAN
Who issues my IBAN?
Bridge.xyz, a licensed and regulated payment provider, issues and operates your IBAN under its own terms. Bridge is not a bank, and Defied is not a bank either.
Who can send money to it?
Anyone who can make a SEPA transfer in euros: your own bank, your employer, friends or clients. Euros sent to it arrive in your wallet as EURC.
How do I move money back to my bank?
Choose Withdraw in the app and send EURC to your bank account by SEPA. Bridge.xyz turns it into euros under its terms.
What does it cost?
Top-ups and withdrawals each have a fee. Both are on our Fees page and shown in the app before you confirm.
Can I get one in my country?
Personal IBANs are available in selected countries, after a one-time identity check. The app tells you whether you can get one.
Does Defied hold my money?
No. Euros sent to your IBAN arrive as EURC in your own wallet, which only you control. Defied never holds your money.
Still have questions? Email hello@defied.money.
Your smart account. In your pocket.
Download the app for iOS, or open the web version in your browser.
Scan with your iPhone camera to get the app.