Banking
without borders.
Accounts in five currencies, card requests, and PDF statements and receipts you can verify. Everything in one bilingual app.
- 5 currencies
- English and French
- Session controls
- Verifiable documents
Your account
Personal · CAD
$14,206.55
- NNorthwind StudioSalary+$4,452.00
- MMetroGroceries-$76.40
- HHydro OttawaBills-$112.18
- €EUREuro
- £GBPPound sterling
- $USDUS dollar
- FrCHFSwiss franc
- C$CADCanadian dollar
- €EUREuro
- £GBPPound sterling
- $USDUS dollar
- FrCHFSwiss franc
- C$CADCanadian dollar
- €EUREuro
- £GBPPound sterling
- $USDUS dollar
- FrCHFSwiss franc
- C$CADCanadian dollar
- €EUREuro
- £GBPPound sterling
- $USDUS dollar
- FrCHFSwiss franc
- C$CADCanadian dollar
AES-256 encryption
Documents and secrets encrypted at rest.
Audited operations
Payment and account actions are recorded for review.
Immutable ledger
Nothing edited, only reversed.
Verifiable documents
A public code on every page.
Accounts
Your money, in every currency.
Open a separate account for each currency, with its own balance, history and statements. Switch between them in a tap.
- CAD, USD, EUR, GBP and CHF
- Balance and available amount, to the cent
- Search and filter your whole history
Your account
Personal · CAD
$14,206.55
- NNorthwind StudioSalary+$4,452.00
- MMetroGroceries-$76.40
- HHydro OttawaBills-$112.18
Cards
Cards that move at your speed.
Request a virtual or physical card for approval. Once issued, freeze it, set a monthly limit and choose where it works.
- Virtual and physical card requests
- Freeze, limits and per-channel switches
- No card number stored on our servers
Transfers
Send money in three steps.
Transfers between CIBA customers are submitted for approval. Transfers to other banks are coming later.
Enter the details
Choose who and how much. We check everything before you confirm.
Review and submit
Check the recipient and amount, then submit the transfer for review.
Done, with proof
Once approved, the transfer is completed and its PDF confirmation is ready.
Currency exchange
See exactly what you get.
Quote, fee and expiry up front: that is how exchange will work. Try the calculator; the live service arrives with a licensed FX partner.
- Convert between any two of your accounts
- A quote that expires, never a surprise
- Exact arithmetic, no rounding tricks
They receive
€660.00
1 CAD ≈ 0.6600 EUR
Documents
Statements and receipts you can prove.
Request a statement for any period, or let a payment confirmation arrive on its own. Each PDF carries our logo, a unique reference and a code anyone can check.
- English or French, with bilingual receipts
- Encrypted, tamper-evident, never edited
- Verify any document online
Security
Security is not a feature. It is the foundation.
- Device and session controls
- Alerts when a new device signs in
- See and sign out every device
- Idempotent payments: no double charges
- Ledger and audit log that cannot be edited
- Passwords hashed with argon2id
On the way
More is coming.
We tell you plainly what works today and what is still being built.
Get started
Up and running in minutes.
- 01
Create your account
Sign up with your email and a strong password. It takes a few minutes.
- 02
Verify your identity
Submit a verification request for review before opening an account.
- 03
Start using it
Open currency accounts, create a card, send money and request your documents.
FAQ
Questions, answered.
Canadian dollar (CAD), US dollar (USD), euro (EUR), pound sterling (GBP) and Swiss franc (CHF). More can be added.
Ready to bank without borders?
Create your CIBA account and explore the features in minutes.