Cost-efficient and easy to setup


Zero21 is a FinTech bank specially built for merchants. Zero21’s core competencies are in issuing IBAN accounts and to process SEPA Direct Debit and SEPA Credit Transfers. The focus is to leave behind the outdated practices and to provide high-quality services focused on banking for business.

IBAN Account Issuing

Zero21 IBAN account is a designated SEPA payment account, which allows SEPA Credit Transfers and SEPA Direct Debit processing.

SEPA Credit Transfer

Transfers are made in the name of the IBAN account holder, eliminating costs that are typical for traditional bank accounts.

SEPA Direct Debit

Zero21 clients can receive incoming Euro payments in no time at all, with easy reconciliation and user-friendly interface.