🏦 HorizonX Bank – The accounts for your investments
Investor IBAN, card & SEPA Instant – for deposits & withdrawals, trading and leveraging your shares. EU-compliant, with safeguarding and transparent fees so your money doesn’t sit idle. (planned, subject to partner bank & licences)
🔧 What HorizonX Bank offers
The banking layer for HomeHarbor: deposits/withdrawals, secondary market settlement, card for payouts – all in one place.
A dedicated IBAN per user: faster funding, precise matching, transparent history.
Use distributions and proceeds directly in everyday life – online, in-store or via Apple/Google Pay (planned).
Instant deposits & withdrawals – with no additional SEPA Instant fees (planned).
Settlement of buy/sell orders on the secondary market – clear, automated and directly via your wallet.
📘 How it works
Digital identification (planned with IDnow). Account opening with individual IBAN.
SEPA/SEPA Instant transfer to your investor IBAN. Funds are credited to your wallet.
Buys/sells are automatically settled from/into your wallet.
Returns flow into your wallet – optionally usable immediately via the HorizonX card.
Note: Features are in planning; availability depends on partner bank & regulation.
🛡️ Security, compliance & safeguarding
Segregated client funds via partner bank/escrow accounts (planned).
Thorough checks in line with EU requirements (e.g. IDnow). Monitoring & limits.
Payment services & interfaces according to EU standards (depending on partner bank).
Platform-wide buffer for temporary shortfalls – with no extra contribution from investors.
💶 Clear banking fees
Final rates will be published together with the partner bank. Current indicative framework:
0 € base – IBAN & wallet included. Optional add-on services.
Instant deposits & withdrawals via SEPA Instant: 0 € (planned).
Virtual card 0 €, physical card 10 € one-off (planned).
Interbank + spread of 0.5–1.0 % (if activated; partner-dependent).
Already included in trading. Additional bank fee: 0 €.
SEPA standard: 0 € · SEPA Instant: see above.
All information is preliminary; binding terms will only apply after publication of final conditions/terms & conditions.
🗺️ HorizonX Bank roadmap
IBAN, SEPA, card (virtual), safeguarding, KYC/AML – limited rollout.
Physical card, broader SEPA Instant access, Apple/Google Pay (where available).
Credit line against your shares (subject to regulation & risk framework).
❓ FAQ – HorizonX Bank
- Is HorizonX already a bank?
No. HorizonX Bank refers to the planned banking layer (with a partner bank). A dedicated EU banking licence is a long-term goal. - How safe are deposits and withdrawals?
Via safeguarding/escrow and partner bank processes. Client funds are segregated from company funds (planned). - Which identity check will be used?
Digital KYC/AML, e.g. with IDnow (in planning). Details will follow at launch. - Are there any fees?
See the “Banking fees” section. Final terms will be published together with the T&Cs. - How does this connect to HHC investments?
Wallet/IBAN are the payment base for investments, distributions and secondary market settlement.
⚠️ Legal note: Features & conditions are subject to partner bank, licences and country availability.
✨ HorizonX Bank – Request early access
Fast access, fee-free SEPA Instant transfers and a card that lets you use your returns instantly in everyday life.
Investments are associated with risks. Forecasts are not a guarantee of future performance.
EU Crowdfunding Regulation
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Already over 1,200+ investors
