IBAN

Payments

Your IBAN — the bank account the platform opened for you — on one screen with three tabs: the account and the funds that arrived through it, sending a wire, and what is pending in either direction.

Account

The IBAN, the BIC, the RIB and the holder are shown as the bank holds them. Give these details to anyone paying you by bank transfer: what arrives here is credited to your balance automatically.

Above them, what you have collected by transfer — the part of your balance that arrived through this account, with what is reserved and what is still pending.

This is your neo-pays balance, not a figure from the bank. A virtual IBAN has no balance of its own: it steers each transfer into the platform's account, and the amount is credited to you. The bank cannot be asked for "the balance of your IBAN" — there is none to ask for.

It opens by itself

The account is opened automatically as soon as your business verification is approved — see Compliance. If your file is approved and this tab stays empty, that is one for support.

An account marked blocked or suspended will not accept transfers: do not circulate the details before contacting support.

The holder's address

The bank does not tell us the address it holds, so this field always starts empty — it is not a lost address. Saving replaces the one the bank holds, and an empty address would erase it: the screen therefore refuses an empty submission.

Send a wire

Pay a beneficiary by bank transfer: their bank, their IBAN, their name, the amount and an optional reference for their statement. You confirm with a one-time code sent to your e-mail, bound to exactly this wire — change any field and the code no longer applies.

The bank's rules apply before anything is sent: the beneficiary's name is mandatory, a single wire stays under 50 000 000, and wires are in XOF only. Our fee is deducted from the amount; the beneficiary receives the remainder.

Accepted is not settled. When the bank accepts the wire it shows as pending, and stays so until the bank confirms it. Follow it under Pending; once confirmed it appears in Transactions as succeeded or failed.

Pending

Incoming — transfers that have reached your IBAN and are being credited to your balance. This normally takes under a minute. A line that stays here is being retried: contact support quoting its bank reference, the one identifier the bank, you and your payer all share.

Outgoing — wires you sent that the bank has accepted but not yet confirmed.

The direction matters

This account is where money arrives, and the Send tab is for wires you choose to make. Where your settled funds are paid out is Payout destinations. The two are never confused and never shared.

— /dashboard/collection-account