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Deposits protected up to 250,000
Banking,
exactly.
Current accounts, savings, cards, lending and international payments — built on a ledger that balances to the cent, every second of every day.
- currencies held
- 15
- unexplained cents
- 0.00
- on reserve savings
- 4.15%
- ledger integrity checks
- 24/7
currencies held
unexplained cents
on reserve savings
ledger integrity checks
Everyday Current
•••• 9806 · USD
$16,768.27
Available $17,268.27 · includes $500.00 arranged overdraft
- +$8,400.00
Salary — Meridian Group
Today
- -$2,217.59
Meridian Properties — rent
Yesterday
- -$86.42
Palm Grove Supermarket
Yesterday
- -$250.00
Transfer to Reserve Savings
29 Jul
Ledger reconciled 14:58 UTCbalanced
- Reserve Savings
- 4.15%AER, variable
- 12-month deposit
- 5.20%fixed
- Personal loan
- from 8.9%representative APR
- International transfer
- 0.35%spread, no fixed fee
Why ICB
Built the way a bank should be built
Most banking apps are a pretty layer over a spreadsheet. ICB is a ledger first, and the interface is what the ledger looks like.
A real double-entry core
Every movement is two balanced postings, immutable once written. Your statement is the ledger, not a summary of it.
Money that moves when it says
Instant between ICB accounts. Same-day wires before 16:00. Every transfer quotes its rail, fee and arrival before you confirm.
Fifteen currencies, one account
Hold, convert and send in USD, EUR, GBP, GHS and eleven more. Rates shown mid-market with the spread stated, not buried.
Controls that actually decline
Freeze a card, block a category, cap a channel. Every switch is enforced at authorisation, not just displayed.
The statement is the ledger
Not a summary of it, not a nightly export that agrees with it most of the time. When you open your account you are reading the same double-entry record the bank closes its books on.
That is the whole design, and everything else on this page follows from it — why a rate has to state its basis, why a transfer quotes its rail and fee before you confirm, and why a balance never disagrees with the movements that produced it.
Transparency
Every posting, on the record
Open any transaction and you see both sides of it — what was debited, what was credited, the fee, the rate, and the exact moment it settled. Nothing is netted off and nothing is rounded away.
How we keep it safeTRANSACTION TRF-VPDCKVKD · POSTED
| Account | Debit | Credit |
|---|---|---|
| Everyday Current ···· 9806 | 250.00 | — |
| Reserve Savings ···· 2081 | — | 250.00 |
| Balanced | 250.00 | 250.00 |
Open an account in under ten minutes
Verify your identity, choose your currency, and start moving money the same day.
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