IDENTITY ENGINE

The Portable vIBAN

Your permanent financial address — a virtual IBAN that belongs to you, not your employer, and travels with you for life.

One number. Every employer.

When you activate on tPay365, you receive a dedicated UK vIBAN — a unique virtual account number issued through our licensed banking partner. This isn't your employer's account number. It's YOURS.

Change jobs? Your vIBAN stays. Vaults, history, and connected providers persist.

New employer? They just point their BACS file at your existing vIBAN.

Provisioned in under 600ms at activation.

tPay365VIRTUAL IBAN

GB82 TPAY 6072 1385 4290

Alice Richardson

Active

PortableSince Jan 2025

Portability Timeline

Jan 2025

Activated at TechCorp UK

Sep 2025

Changed to DataFlow Ltd — same vIBAN

Feb 2026

All vaults, history intact

Technical Specification

Format: GB00 TPAY XXXX XXXX XXXX (UK vIBAN)
Issuer: Licensed FCA-regulated banking partner
Portability: Persists across employer changes
Provisioning: <600ms at employee activation
Segregation: 1:1 mapping — no shared pools, no commingling
KYC: Identity verification at activation
Deactivation: Soft-delete, 90-day recovery window

viban-card-physical.pngPhysical card design showing vIBAN for employee identification

viban-employer-onboarding.pngEmployer onboarding screen showing employee vIBAN provisioning

API Endpoints

GET/api/v1/user/profileGet user profile with vIBAN

PATCH/api/v1/user/profileUpdate profile details

POST/api/v1/user/change-passwordChange password

DELETE/api/v1/user/accountDelete account (GDPR)

View full API reference →

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