Account capability
Segregated accounts and virtual IBAN structures matter when the product needs more control over fund separation, reconciliation, customer visibility, or partner-specific operating models. They are usually signs of a more mature account proposition.
Built for staged delivery
BankingLab supports phased delivery across accounts, onboarding, payments, cards, and digital channels, so teams can go live with the right launch scope and expand on the same operating foundation.
Overview
More advanced account structures become important as institutions expand beyond basic current-account functionality. Segregated accounts can improve control and fund separation, while virtual IBAN support helps with visibility, routing, and account identification in more complex operational environments.
These structures support more complex fund flows, reconciliation requirements, and partner or customer-level visibility.
In scope
Operating fit
Operating point
Useful for platforms with complex fund-flow and reconciliation requirements.
Operating point
Strengthens the account proposition for partner, marketplace, or structured-funds models.
Operating point
Works best when paired with strong BankingLab Core and payment controls.
Related services
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Start with the base account proposition and then extend into more specialized structures.
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Tie advanced account structures back to ownership, permissions, and servicing.
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Connect structured accounts to payment routing and monitoring.
Open pageCapability map
Next step
BankingLab combines modular software with white-label service coverage, so the right answer is rarely one feature alone. Start with launch-critical scope, then expand into adjacent rails, channels, products, or servicing capabilities as the proposition grows.