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Overview

The Card IBAN feature gives your Yativo Card account a dedicated European bank account number (IBAN). You can share this IBAN with anyone to receive EUR via SEPA bank transfer. Incoming EUR funds are automatically converted and credited to your card balance. This feature is ideal for:
  • Receiving salary or freelance payments directly to your card
  • Accepting transfers from European banks without crypto on-ramp friction
  • Combining EUR bank funding with crypto funding in one unified card balance
interface CardIBANStatus {
  status: "not_activated" | "pending_kyc" | "kyc_submitted" | "kyc_approved" | "active" | "rejected" | "suspended";
  iban?: string;
  bic?: string;
  activated_at?: string;
}

interface ActivateIBANRequest {
  kyc_method: "platform_sumsub" | "user_sumsub" | "direct_docs";
  sumsub_token?: string; // Required for platform_sumsub and user_sumsub
}

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Activate IBAN

Request activation of the IBAN feature for a card account. Activation requires a KYC verification step to comply with European banking regulations. 
POST /yativo-card/{yativoCardId}/iban/activate
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yativoCardId
string
required
Your Yativo Card account ID.
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kyc_method
string
required
The KYC verification method to use. See KYC Methods below. Accepted values: platform_sumsub, user_sumsub, direct_docs.
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sumsub_token
string
Required when kyc_method is platform_sumsub or user_sumsub. The Sumsub applicant token generated for the user.
curl -X POST 'https://crypto-api.yativo.com/api/yativo-card/yc_01HX9KZMB3F7VNQP8R2WDGT4E5/iban/activate' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
    "kyc_method": "platform_sumsub",
    "sumsub_token": "sumsub_applicant_token_abc123xyz"
  }'

curl -X POST 'https://crypto-api.yativo.com/api/yativo-card/yc_01HX9KZMB3F7VNQP8R2WDGT4E5/iban/activate' \
  -H 'Authorization: Bearer YOUR_API_KEY' \
  -H 'Content-Type: application/json' \
  -d '{
    "kyc_method": "direct_docs"
  }'

{
  "status": "success",
  "data": {
    "iban_activation_id": "iban_act_01HX9KZMB3F7VNQP8R2WDGT777",
    "kyc_method": "platform_sumsub",
    "status": "pending_kyc",
    "submitted_at": "2026-03-25T18:00:00Z"
  }
}

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Get IBAN Status

Check the current status of the IBAN activation and retrieve the IBAN details once activated. 
GET /yativo-card/{yativoCardId}/iban/status
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yativoCardId
string
required
Your Yativo Card account ID.
curl -X GET 'https://crypto-api.yativo.com/api/yativo-card/yc_01HX9KZMB3F7VNQP8R2WDGT4E5/iban/status' \
  -H 'Authorization: Bearer YOUR_API_KEY'

{
  "status": "success",
  "data": {
    "iban_status": "active",
    "iban": "DE89370400440532013000",
    "bic": "SSKMDEMMXXX",
    "account_holder": "Jane Doe",
    "bank_name": "Yativo Payments",
    "currency": "EUR",
    "activated_at": "2026-03-26T09:00:00Z"
  }
}

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IBAN Status Values

StatusDescription
not_requestedIBAN activation has not been initiated for this account.
pending_kycKYC verification is in progress.
kyc_approvedKYC passed. IBAN is being provisioned.
activeIBAN is active and ready to receive transfers.
rejectedKYC or activation was rejected. Contact support.
suspendedIBAN has been temporarily suspended.

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KYC Methods

The IBAN feature requires identity verification due to European banking regulations. Three verification methods are available:
Best for: Platforms that already run their own identity verification flow and can supply a KYC applicant token to Yativo.Your platform completes identity verification for the user and provides the resulting applicant token to Yativo. Yativo uses this token to retrieve and validate the KYC result on your behalf.Required field: sumsub_token — the KYC applicant token for the user.Flow:
  1. Your backend initiates identity verification for the user and obtains an applicant token.
  2. The user completes verification on your platform.
  3. Pass the token to Yativo’s IBAN activation endpoint.
  4. Yativo validates the KYC result and provisions the IBAN on approval.
Best for: Platforms that want to delegate the KYC experience entirely to Yativo.A verification link is generated for the user. The user completes identity verification through the Yativo-hosted flow.Required field: sumsub_token — the KYC applicant token created for the user.Flow:
  1. Your platform or Yativo creates an applicant token for the user.
  2. The user is redirected to or opens the verification URL.
  3. Yativo monitors the result and activates the IBAN upon approval.
Best for: Scenarios where a direct document review is preferred.The user submits identity documents (passport, national ID, proof of address) directly to Yativo for manual review.Required fields: None — documents are submitted through a separate upload flow.Processing time: 1–3 business days.

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Receiving EUR Transfers

Once your IBAN is active, share the IBAN and BIC with the sender. Incoming SEPA transfers will be:
  1. Received at the IBAN account.
  2. Automatically converted from EUR to USD equivalent.
  3. Credited to your card wallet balance.
SEPA transfers typically settle within 1 business day. Instant SEPA payments (SEPA Instant) may settle within seconds, depending on the sending bank’s capabilities.
The IBAN is personal to your account and should not be shared beyond intended senders. Notify Yativo support immediately if you suspect misuse.