generated: '2026-08-17'
method: searched
source: https://info.ibanfirst.com/hubfs/Fees/EN_Fees_brochure_OCT_2025.pdf
pricing_page: https://ibanfirst.com/fees
note: >-
  iBanFirst publishes a real, dated rate card - but not on a web page: ibanfirst.com/fees carries
  only a link to "Pricing Conditions (applicable from 30/11/2025)" as a PDF brochure. The values
  below were read from that PDF (HTTP 200, application/pdf, 339 KB). There are NO tiered plans:
  one fee schedule applies to every client, qualified by an annual FX volume minimum rather than
  by a subscription tier. Institutional pricing and Luxembourg are explicitly excluded and
  directed to sales.
plan_count: 1
tiered: false
currency: EUR
effective_from: '2025-11-30'
document_version: EN_Fees_brochure_OCT_2025.pdf
api_pricing:
  charged: false
  statement: >-
    "Connection via EBICS / SWIFTNet or API to your accounting, cash management or ERP software" -
    "Free, except for special requests"
  note: >-
    API access is not a paid add-on and there is no metered API pricing, no request-based billing
    and no developer tier. The commercial gate on the API is the account relationship, not a
    subscription: credentials are issued by support to existing customers.
plans:
  - name: Standard Pricing Conditions
    price: 0
    currency: EUR
    billing_period: none
    description: >-
      No subscription or platform fee. Account opening, maintenance, statements, account history,
      multi-company group account access and account closure are all free; revenue comes from the
      FX rate quote and from per-event service fees.
    qualification:
      minimum_annual_fx_volume: 200000
      currency: EUR
      statement: >-
        "The rates and fees set out in the Pricing Conditions apply to all clients making a
        minimum of EUR 200,000 of foreign exchange transactions per year through the iBanFirst
        platform."
      penalty: >-
        "If a client does not meet the minimum volume requirement stipulated above, iBanFirst
        reserves the right to charge a 0.2% fee on all incoming flows to the various accounts."
    fx_rate: >-
      "Based on your annual foreign exchange transaction volumes and following an analysis by one
      of our foreign exchange experts, you will be offered a personalised foreign exchange rate
      quote." The FX margin itself is NOT published.
    included:
      - Account opening - Free
      - Account maintenance - Free
      - Online account statements - Free
      - Unlimited access to account history - Free
      - Viewing and managing multi-company group accounts - Free
      - Account closure - Free
      - Payments between iBanFirst accounts - Free
      - SEPA payments - Free
      - Real-time payment tracking (Payment Tracker), order giver and beneficiaries - Free
      - Access to bank transfer messages - Free
      - Transfers and credits received from a third-party account - Free
      - SEPA direct debit order issued (Core and B2B) - Free
      - Crediting an iBanFirst account via open banking payment initiation - Free
      - Orders received for SEPA direct debits (B2B), to bank accounts held by the client - Free
      - EBICS / SWIFTNet / API connection to accounting, cash management or ERP software - Free
    fees:
      - item: Account confirmation letter
        price: 60
        currency: EUR
      - item: US local account management in USD
        price: 0.3
        unit: percent of incoming flows
      - item: PSD payment (non-SEPA EEA)
        price: 5
        currency: EUR
      - item: SWIFT payment (non-euro currencies) - SHARE
        price: 5
        currency: EUR
      - item: SWIFT payment (non-euro currencies) - OUR
        price: 25
        currency: EUR
      - item: SWIFT payment (non-euro currencies) - BEN
        price: 0
        currency: EUR
      - item: Investigation fee
        price: 20
        currency: EUR
      - item: Payment cancellation or amendment
        price: 20
        currency: EUR
      - item: Return of funds
        price: 20
        currency: EUR
      - item: Seizures
        price: 10
        unit: percent of amounts seized
        cap: 100
        cap_currency: EUR
      - item: Dormant account fee
        price: 30
        currency: EUR
        billing_period: year
      - item: Incoming flows for clients below the EUR 200,000 annual FX minimum
        price: 0.2
        unit: percent
    not_available:
      - Orders received for SEPA direct debits (Core)
    collateral_schedule:
      applies_to: deliverable forward payment contracts (module activated on request)
      note: >-
        Initial collateral is required when contract maturity exceeds 7 days, credited within 48
        hours of forward payment validation, and deducted from the final settled amount.
      tiers:
        - maturity: '< 7 days'
          initial_collateral_pct: 0
        - maturity: '>= 7 days and <= 1 month'
          initial_collateral_pct: 3
        - maturity: '> 1 month and <= 6 months'
          initial_collateral_pct: 5
        - maturity: '> 6 months and <= 2 years'
          initial_collateral_pct: 10
exclusions:
  - Luxembourg excluded
  - 'Pricing may differ for institutional clients (contact required)'
  - Rates shown exclude taxes
  - >-
    Exemptions may be agreed with an Account Manager under a specific agreement, so the published
    card is a default rather than a guarantee.
gaps:
  - The FX margin - the primary cost of the service - is not published; it is quoted per client.
  - Pricing is PDF-only; there is no machine-readable price/catalog endpoint and no HTML rate table.
  - No self-serve signup and no free/developer tier, so an integrator cannot price or test without a sales conversation.
x-evidence:
  fetched: '2026-08-17'
  probes:
    - url: https://ibanfirst.com/fees
      http_status: 200
      note: links to the PDF; carries no rates itself
    - url: https://info.ibanfirst.com/hubfs/Fees/EN_Fees_brochure_OCT_2025.pdf
      http_status: 200
      content_type: application/pdf
      bytes: 339113