Your individual account
The crucial element for effective business payment transactions is an account that adapts to your individual needs – internationally, in different currencies and regardless of complex payment flows.
Four reasons why this account is a winner
Onboarding is all about fast, uncomplicated processes with a digitally supported KYC (Know your Customer) account opening process. With our accounts, you can execute high-performance transactions for tens of thousands of your customers at the same time. Whether virtual or in the banking system, with a card solution or cash pooling – we have fast processes and modern signing procedures via app or ebanking.
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Fast and straightforward
You benefit from an attractive price model, which can be flexibly adapted. For your account, which can grow along with your ambitions.
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Standard and state of the art
We make it easy for you with a digitally supported KYC (Know Your Customer) account-opening process that offers fintechs in particularl a major competitive advantage.
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From plastic to virtual
Credit card transactions can be viewed promptly via the mobile app. Virtual IBANs enable clear allocation of incoming payments.
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Individual and transparent
You benefit from an attractive price model, which can be flexibly adapted. For your account, which can grow along with your ambitions.
Digitalization in payment transactions:
Virtual accounts
Expand the possibilities of your payment transactions: virtual accounts provide an overview and transparency for your account management. With the help of smart and streamlined solutions, payment flows can now be managed far more efficiently. This simplifies your processes and frees up resources for your actual activity: working for your customers.
Stefanie Buhtz
Team Head of Cash Management SalesFor your liquidity management
HCOB’s cash pooling actively transfers account balances automatically. With cash pooling, you can ensure the smooth integration of new group companies using individual, fast and pragmatic solutions. Institutional clients in particular balanced all secondary accounts daily in a currency-neutral manner using cash pooling and cash routing.
For your success
Keep track quickly and easily with HCOB’s virtual accounts
You receive a group of virtual accounts, which you assign to individual contracts in your ERP system. Your customers do not all pay using the same IBAN, each customer receives an individual virtual account number. This allows payments to be assigned to individual customers quickly and efficiently and processed automatically.
- Fast and accurate
Simple assignment of payments and automated, error-free processing - Scalable
HCOB’s virtual accounts are independent of quantity and volume, and the scope can be flexibly adjusted - Versatile in use
Deployable in many areas since they can be individually adapted to your organizational or business structure.
Arrange a consultation appointment
To enable us to prepare for the appointment in the best possible way, we would ask you to briefly explain your concerns to us.