# Virtual IBANs

**Virtual IBANs (vIBANs)** allow customers to receive payments to their main account through alternate IBANs.

A primary use case is **automatic reconciliation**. Instead of filtering transactions by the `description` field, customers can issue a unique vIBAN for specific invoices or clients. All funds sent to a vIBAN are automatically routed to the master account.

## Key characteristics

* **Routing:** Incoming payments to a vIBAN appear as bookings on the master account.
* **Identification:** Bookings received via a vIBAN include the `receiver_iban_virtual` attribute.
* **No Balance:** vIBANs do not hold funds independently; they are purely routing addresses.


Limitations
* **Receive Only:** vIBANs support **SEPA Credit Transfers (SCT)** only. They **cannot** be used for outgoing payments or SEPA Direct Debits (SDD).
* **No Cards:** You cannot link a debit card to a vIBAN.


## Integration steps

### 1. Create a vIBAN

Call this endpoint to generate a new virtual IBAN for an existing account.


```shell
POST /v1/accounts/{account_id}/virtual_ibans
```

Create vIBAN
View API specification.

### 2. Identify incoming funds

When a payment is received via a vIBAN, the standard [`BOOKING`](/api-reference/onboarding/webhooks/webhook-events/paths/booking/post) webhook is triggered.

The booking object will contain the `receiver_iban_virtual` field, which you can use to identify the source (e.g., match it to a specific invoice).

**Booking Example:**


```json
{
  "id": "booking_123",
  "amount": { "value": 5000, "currency": "EUR" },
  "recipient_iban": "DE_MASTER_IBAN", 
  "receiver_iban_virtual": "DE_VIRTUAL_IBAN_XYZ" 
}
```

**Reconciliation Tip:**
You can retrieve *only* the bookings associated with a specific vIBAN by using the filter parameter:


```shell
GET /v1/accounts/{account_id}/bookings?filter[receiver_iban_virtual]=DE_VIRTUAL_IBAN_XYZ
```

### 3. Disable a vIBAN

If a vIBAN is no longer needed (e.g., the invoice is paid), you can disable it.


```shell
PATCH /v1/accounts/{account_id}/virtual_ibans/{virtual_iban_id}/disable
```

Disable vIBAN
View API specification.