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Swan is the regulated banking partner that powers Accountable Banking behind the scenes. Accountable gives you the app and experience you use every day, and Swan provides the underlying banking, in the same way many trusted apps rely on a licensed partner to handle the banking side. Swan is an electronic money institution supervised by the ACPR and authorised by the National Bank of Belgium to provide payment services in Belgium with Belgian IBANs. So it is not a random third party. If you spot the Swan name on a statement or charge, that is simply your regulated banking partner at work.

Yes. Your money is held in a dedicated safeguarding account with Swan, an electronic money institution supervised by the ACPR and authorised by the National Bank of Belgium to provide payment services with Belgian IBANs. Your funds are segregated and safeguarded with a reputable European credit institution, and remain protected even in the unlikely event of Swan's failure.

Yes. Your account comes with a genuine Belgian IBAN, issued through Swan, an electronic money institution supervised by the ACPR and authorised by the National Bank of Belgium to provide payment services in Belgium with Belgian IBANs. It is a fully functional business account, not a workaround: you can receive payments, set up direct debits, and use it anywhere a Belgian IBAN is accepted. Your funds are segregated and safeguarded with a reputable European credit institution.

There are no hidden fees with Accountable Banking. The account itself is free, with no monthly or yearly fee. Like any bank, a few specific services carry a small, standard charge, such as ATM withdrawals or non-euro transfers, and because Swan is your regulated banking partner, these can appear under the Swan name on your statement. It is not fraud, it is simply your banking partner. You can see exactly what is and isn't charged on Accountable's detailed banking fees page.

Opening your account includes a quick identity check, known as KYC, which is a legal requirement for every regulated financial institution. It is exactly this step that keeps your account safe, secure and fully compliant, because it confirms that each account belongs to a real, verified person. Most checks are completed quickly, and we guide you through every step so you can start using your account as soon as possible.

Yes. You can send and receive euro payments across Europe at no extra cost, including instant transfers. Payments in other currencies or outside the SEPA zone are also possible, with a small, standard fee shown upfront. You'll find the exact rates on our banking fees page.