UK IBAN providers (local GB IBANs)
17 verified providers with documented local GB IBAN issuance (6 European-origin), ranked European-origin first. Local IBANs are the practical answer to IBAN discrimination.
17 providers issuing GB IBANs
Local IBANs: GB DE LU
Banking Circle S.A. (Luxembourg) - cross-border banking, accounts, payments and settlement for banks, PSPs and fintechs; issues the EURI euro stablecoin. Credit institution, CSSF (LUB00000408); not the unrelated 'Circle Group S.A.'.
Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
Local IBANs: ES GB BE
EMI FCA (Ebury Partners UK) + Ebury Partners Belgium (EEA) + Spain branch (Bank of Spain reg 6889); own-IBAN accounts; majority Santander.
Local IBANs: EE GB
LHV Pank (Tallinn; 4th-largest EE bank) + LHV Bank (UK full banking licence 2023). The fintech-preferred BaaS bank: virtual IBANs, SEPA Instant + Faster Payments, FX; 200+ fintech clients (Wise, Lightyear...).
Local IBANs: CY GB
payabl. (Limassol + London; since 2011) - acquirer/PSP: card acquiring, business accounts, virtual IBANs and 300+ payment methods. EMI, Central Bank of Cyprus (passported EEA) + FCA EMI (UK).
Local IBANs: BG GB
Paynetics (Bulgaria; + UK) - card issuing, BIN sponsorship and accounts; dedicated IBANs (SEPA + SWIFT) plus UK sort-code accounts. Dual EMI: BNB (No. 44) + FCA (942777; formerly TPR 900785).
Local IBANs: GB
Bilderlings (Bilderlings Pay Ltd; Latvian-founded, London) - business and personal multi-currency IBAN accounts (17 currencies), SWIFT/SEPA, Mastercard scheme participant and card issuing. FCA-authorised EMI (No 900637).
Local IBANs: GB NL
Clear Junction (UK; + Netherlands; est. 2016) - cross-border payments and named virtual IBANs for banks, EMIs and VASPs; correspondent accounts over SEPA/SEPA Instant/Faster Payments/CHAPS/SWIFT (11 currencies). FCA EMI (UK) + CJ Digital EU B.V. (DNB, Netherlands).
Local IBANs: GB NL
UK clearing bank (PRA/FCA) + ECB credit-institution licence via DNB (NL) for EUR. GBP at BoE, EUR at DNB/ECB. EEA-capable now. ClearBank Europe became the first Dutch credit institution cleared as a MiCA CASP (AFM notification, Apr 2026), offering Circle EURC/USDC to institutional clients.
Local IBANs: GB
Currencycloud (UK) - virtual IBANs (EUR collection) and FX across 33 currencies. FCA EMI; Visa-owned.
Local IBANs: GB
Griffin (UK) - developer-native, full UK bank authorised by the PRA and regulated by the PRA and FCA.
Local IBANs: GB NL ES FR IE
Modulr (UK + Netherlands) - payments and accounts-as-a-service; EMI FCA (UK) + EMI DNB (Netherlands), passported across the EEA, with branches in IE/ES/FR.
Local IBANs: GB LT MT
Nium (UK; + Singapore) - global cross-border payments and card issuing with APAC roots. EMI FCA (UK) + EMIs in Lithuania and Malta (EEA).
Local IBANs: GB NL FR MT
OpenPayd (UK + Malta) - banking-as-a-service / IBAN-as-a-service: unlimited virtual IBANs, accounts, FX and stablecoins; ~EUR 120bn/yr processed. FCA EMI (UK) + Malta EMI (OpenPayd Financial Services Malta, EEA).
Local IBANs: GB
Payset (Pay Set Ltd, UK) - multi-currency business accounts (38 currencies), dedicated local IBANs (EUR/GBP/USD), SWIFT + SEPA and FX; SME/fintech focus. FCA-registered EMI.
Local IBANs: GB DE DK
Rapyd (London, UK; Israeli-founded, 2016) - fintech-as-a-service: global acquiring, payouts and wallets. EEA licence via Rapyd Europe (Iceland EMI) after acquiring Icelandic acquirer Valitor (USD 100m, 2022); also bought PayU GPO (USD 610m, 2023). Register-sourced: E-money institution (EMI), Central Bank of Iceland, ref 5006830589; passported to 30 EEA states. Offers virtual IBANs (vIBAN) in Europe via Rapyd Virtual Accounts - local collection accounts in 40+ countries. Virtual-account docs list GB/DE/DK IBANs (DE reaches 36 SEPA countries).
Local IBANs: BE GB
Wise (ex-TransferWise; London HQ, LSE-listed; Estonian founders). Wise Europe SA = EMI National Bank of Belgium (EEA) + UK FCA. Multi-currency accounts + local account details/IBANs; Wise Platform = accounts/FX/payments infrastructure for banks & fintechs.
FAQ
Why do I need a UK (GB) account or IBAN?
UK payroll, direct debits (Bacs) and many billers expect a UK sort code and account number; a GB IBAN also keeps you reachable for cross-border transfers. Providers on this page have documented GB IBAN issuance, typically alongside UK sort-code account details.
Can a non-UK provider issue GB IBANs?
Yes - what matters is the account rail, not the headquarters. Post-Brexit a GB IBAN comes from a UK-authorised entity (FCA) rather than an EEA passport, so check which group entity you contract with; every provider here has documented GB issuance.
Bank or EMI for a UK account - does it matter?
With a UK bank your balance is a deposit protected by the FSCS up to GBP 85,000. With an EMI the funds are safeguarded - segregated at a credit institution - but not FSCS-protected. The licence badge on each card shows which regime applies.