The global payments account
Named IBAN accounts, multi-currency balances and transfers over SEPA & SWIFT — fast, reliable and secure.
Open accountEverything you need to move money
Built for merchants and businesses operating across borders — with the accounts, currencies and rails to match.
Named IBAN
A dedicated IBAN in your company's name for sending and receiving payments — no shared or pooled accounts.
Multi-currency
Hold and convert funds across multiple currencies — global reach with local convenience, in one balance.
Fast activation
A streamlined onboarding process gets you moving swiftly — most accounts are ready in record time.
Instant funding
Top up through bank transfer, card or other supported methods and start transacting right away.
Competitive FX
Convert between currencies at rates built for business — more of every payment reaches its destination.
Secure & compliant
FINTRAC-registered MSB with KYC/AML controls and monitoring designed to keep your funds safe.
Open your account, verify your identity, and get your named IBAN — in record time.
How it worksLive today, and getting better
- Global payments via SEPA & SWIFTSend and receive across borders from your named IBAN
- Instant internal transfersBetween We Form Pay accounts, in real time
- Competitive currency exchangeConvert at rates built for business
- On / off rampFund and withdraw through supported methods
- Virtual cardsIssue and control spend across your team
- Alternative payment methodsMore ways for customers to pay
- Richer finance toolsStatements, roles and reporting
- Virtual assetsWithin our regulatory scope
Open your account
Choose personal or business and tell us the basics. It takes a few minutes.
Verify & get your IBAN
A quick identity check — then your named IBAN is issued and ready.
Fund & transact
Top up instantly, then send, receive and convert globally.
How businesses use it
Get live with a named IBAN quickly and receive SWIFT payments from international clients without the usual friction.
Hold EUR, USD and GBP in one place and convert at competitive rates to manage cross-border suppliers.
Move funds instantly between accounts and keep everything in one clean dashboard, onboarding through settlement.
Illustrative examples of typical use cases — not statements by named customers.
Registered with FINTRAC as a Money Services Business — with KYC/AML controls, encryption and monitoring built in.
We Form Pay Inc. is registered with the Financial Transactions and Reports Analysis Centre of Canada for foreign exchange dealing, money transferring and dealing in virtual currency. Registration number C100000243.