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Tap the future

Multi-currency banking, built for people and businesses who move faster than the old banks.

IBAN accounts, cards, payment acceptance, and SEPA/SWIFT transfers — for individuals and businesses. Fin-Mechanica is licensed and regulated by FinTrac (Canada).

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12+currencies on one account
FinTracMSB license, Canada
C$0.50fixed business SEPA fee
FIN·MECHANICA
4000  12••  ••••  8842
What we offer

One platform for personal and business banking

From an everyday spending card to a business account with payment acceptance and partner programs — all inside a single ecosystem.

Personal accounts

IBAN, physical and virtual cards, mobile transfers by phone number, and free SEPA transfers every month.

Business accounts

A single platform for payments, invoicing, and card acceptance via POS. Fixed SEPA fee from C$0.50.

Partnership program

Reseller and White Label — offer IBAN accounts to your clients under your own brand, or earn on a referral model.

How it works

Four steps from application to your first transfer

01

Apply online

No branch visit required — pick an account type and fill in the form.

02

Review and approval

Every application is reviewed individually — including partner and high-risk cases.

03

IBAN and card

Get your account details and a virtual card instantly, plus a physical card on request.

04

Payments and transfers

SEPA, SWIFT, currency conversion, and POS payment acceptance — all from one dashboard.

"Success in golf depends on skill and experience in that particular field. It's exactly the same in business."

— Fin-Mechanica
COMPLIANCE

Regulated infrastructure, not a growth hack.

Fin-Mechanica is licensed as a Money Services Business and built to move money the way regulators expect it to move.

LICENSEFINTRAC · CANADA
REGISTERED2021, ALBERTA
CURRENCIES12+
FX FEE0.30%
SEPA (BUSINESS)C$0.50 FIXED
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Open an IBAN account and connect SEPA/SWIFT in one day

We'll walk you through pricing, verification requirements, and onboarding timelines for your specific case.

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