AYABANK Services

Global Banking Services, Built Around You.

IBAN accounts, worldwide transfers, secure payments and modern banking tools in one connected experience.

Digital banking, reimagined

Digital Banking With A Calmer Kind Of Power

AYABANK connects account opening, UFI identity verification, multi-currency balances, cards and PAYYER payment methods in one secure financial experience.

Open Account → View Experience ↓
Secure by designProtected transactions
UFI verifiedTrusted identity layer
Always available24/7 digital access
MOVE MONEY IN REAL TIME • VERIFY IDENTITY • CONTROL EVERY CARD • BANK WITHOUT BORDERS • 
✓
Identity ProtectionUFI-powered verification
⌁
Protected PaymentsSigned transaction flows
◎
Biometric ReadyModern account security
↗
Global AccessMoney without borders

AYABANK, The Power That Brings More

Receive payments into your own IBAN, send and receive funds in multiple currencies, and access powerful financial services from one secure global account.

＋

Easy Opening Account

Open Individual or Corporate account with AYABANK online in just 5 minutes, from anywhere.

✓

Secure

Safe and sharp security. The data we hold is securely encrypted and protected.

↗

Global Money Transfer

Send money worldwide at competitive rates and make global payouts to over 130 countries.

◎

User Friendly

Access all AYABANK features through a simple, modern and user-friendly interface.

⇄

Send & Receive Funds

Receive payments through SEPA, SWIFT, CHAPS, BACS and UK Faster Payments.

▰

Many Features

Physical and virtual cards, invoices and more powerful financial services.

Banking in motion

Your Money Never Stands Still. Neither Should Your Bank.

From identity to cards, payments and global transfers, AYABANK turns every financial action into one fluid digital journey.

Live digital experience
Founded2016
Operating EntityGENEVAPAY UK LTD
MissionIntelligent Global Digital Finance

Our Story

AYABANK was founded with one clear objective: to simplify global digital financial services through intelligent technology. Since its launch in 2016, the AYABANK vision has grown from a digital finance idea into a wider financial technology ecosystem built around payments, identity, merchant services, and secure customer experience.

The journey expanded further in 2024 under GENEVAPAY Switzerland, where the initial concept focused on creating a modern financial platform capable of connecting payments, digital services, and emerging financial technologies. As the vision moved internationally, corporate operations transitioned to GENEVAPAY UK LTD, creating a stronger foundation for international expansion, regulatory engagement, strategic partnerships, and future growth.

Today, GENEVAPAY UK LTD serves as the legal entity responsible for the continued development and operation of the AYABANK ecosystem.

Who We Are

AYABANK is a financial technology company focused on developing intelligent digital financial solutions for individuals, merchants, enterprises, and institutional partners.

Rather than operating as a traditional bank, AYABANK combines advanced technology with strategic relationships across the global financial industry to deliver secure, scalable, and customer-focused financial services.

Our Banking Model

Customer trust is the foundation of every financial institution. AYABANK delivers regulated financial services through carefully selected third-party banking partners and licensed financial institutions that hold the appropriate licences and regulatory authorisations within their jurisdictions.

This partnership approach allows customers to benefit from trusted financial infrastructure while AYABANK focuses on innovation, technology, security, and customer experience.

Technology First

Technology is the foundation of AYABANK. Our teams continue to develop proprietary payment technologies designed to improve transaction speed, operational efficiency, fraud detection, intelligent risk analysis, and customer security.

  • Artificial intelligence and real-time risk monitoring
  • Intelligent fraud detection and secure payment processing
  • Merchant payment infrastructure and digital wallet technology
  • API connectivity, cloud infrastructure, and enterprise security

Universal Financial Identity

One of AYABANK's most significant innovations is Universal Financial Identity, known as UFI. UFI represents our long-term vision for simplifying digital finance.

Instead of maintaining multiple financial identities across banks, payment providers, merchants, and platforms, customers will be able to manage financial relationships through one intelligent identity designed for convenience, security, and interoperability.

What guides us

Our Value

Trust, purposeful innovation, and lasting relationships shape every financial experience we build.

✓

Trust

We uphold the principles that guide our business and promote trust, transparency, and integrity in everything we do.

⌁

Innovativeness

We believe in the power of technology and continuously create better opportunities through intelligent financial innovation.

◎

Relationships

We build lasting relationships with customers, partners, and stakeholders through clear communication and dependable service.

4K+Verified Customers
50+Payment Options
10+Payment Services
24/7Digital Access

The AYABANK Ecosystem

AYABANK forms part of a broader technology ecosystem developed by GENEVAPAY UK LTD, bringing intelligent financial technologies together under one unified vision.

PAYYERA next-generation intelligent payment platform supporting digital payments, merchant services, wallets, and global payment solutions.
FAIOSA financial artificial intelligence operating system for automation, fraud monitoring, financial insights, and decision support.
UFIUniversal Financial Identity: one identity, multiple financial services, and secure digital authentication.
Merchant PlatformPayment acceptance, settlement, analytics, invoicing, subscription management, and intelligent commerce tools.
Future InfrastructureInvestment in next-generation payment technologies for global interoperability and financial innovation.
Security LayerModern controls designed to protect customer information and strengthen operational integrity.
BEFounder & CEO

Leadership

AYABANK was founded and is owned by Baligh El Cheikh, Founder and CEO.

TrustSecurityInnovationTransparencyLong-Term Sustainability

Looking Ahead

Financial services are entering a new era. Artificial intelligence, digital identity, intelligent payments, and secure financial infrastructure will transform how individuals and businesses interact with money. AYABANK's mission is to help shape that future by building technologies that are secure, intelligent, scalable, and designed for the next generation of global finance.

Clear pricing

Know Before You Move Your Money.

AYABANK shows applicable costs before you confirm. No hidden steps, no confusing financial language.

Account accessTransparent
Card and payment costsShown upfront
Transfer feesBefore confirmation
AYABANK accounts

Normal Accounts

Personal Account

Account opening with dedicated IBAN
£499 / Account
  • Monthly Fee £299
  • Minimum Deposit £30000
  • Account Limit £250K
  • Physical / Virtual Cards 2
  • SWIFT / BACS / CHAPS / SEPA
  • 24/7 Support
Get Started
Popular

Business Account

Account opening with dedicated IBAN
£2999 / Account
  • Monthly Fee £499
  • Minimum Deposit £49000
  • Account Limit £1M
  • Physical / Virtual Cards 4
  • SWIFT / BACS / CHAPS / SEPA
  • 24/7 Support
Get Started

Corporate Account

Multiple Dedicated IBAN Account & Cards
£4999 / Account
  • Monthly Fee £999
  • Minimum Deposit £100000
  • Account Limit £5M
  • Multiple Currencies
  • Multiple Cards
  • Sub Accounts
  • SWIFT / BACS / CHAPS / SEPA
  • 24/7 Support
Get Started
AYABANK accounts

High Risk Personal Account

Regular

Account opening with dedicated IBAN
£999 / Account
  • Monthly Fee £499
  • Minimum Deposit £50000
  • Account Limit £1M
  • Physical / Virtual Cards 2
  • SWIFT / BACS / CHAPS / SEPA
  • 24/7 Support
Get Started
Popular

Gold

Account opening with dedicated IBAN
£4999 / Account
  • Monthly Fee £999
  • Minimum Deposit £75000
  • Account Limit £5M
  • Physical / Virtual Cards 4
  • SWIFT / BACS / CHAPS / SEPA
  • 24/7 Support
Get Started

Premium

Multiple Dedicated IBAN Account & Cards
£9999 / Account
  • Monthly Fee £2499
  • Minimum Deposit £100000
  • Account Limit £10M
  • Multiple Currencies
  • Multiple Cards
  • Sub Accounts
  • SWIFT / BACS / CHAPS / SEPA
  • 24/7 Support
Get Started
AYABANK accounts

High Risk Business Account

Standard

Account opening with dedicated IBAN
£40000 / 50K USD-EUR
  • Monthly Fee £4999
  • Minimum Deposit £50000
  • Account Limit £5M
  • Physical / Virtual Cards 2
  • SWIFT / BACS / CHAPS / SEPA
  • 24/7 Support
Get Started
Popular

Gold

Account opening with dedicated IBAN
£52000 / 65K USD-EUR
  • Monthly Fee £4999
  • Minimum Deposit £75000
  • Account Limit £10M
  • Physical / Virtual Cards 4
  • SWIFT / BACS / CHAPS / SEPA / S2S / Others
  • 24/7 Support
Get Started

Premium

Multiple Dedicated IBAN Account & Cards
£95000 / 110K EUR
  • Monthly Fee £7999
  • Minimum Deposit £100000
  • Account Limit Unlimited
  • Multiple Currencies
  • Multiple Cards
  • Sub Accounts
  • SWIFT / BACS / CHAPS / SEPA / S2S / Others
  • UK Corporate Company (Extra Fees)
  • 24/7 Support
Get Started

One App View For Every Financial Action.

A Calm Wallet Workspace For Balances, Identity, Payments, Cards And Connector-Ready PAYYER Transactions.

USD Balance$8,240.00
EUR Balance€7,620.00
UFI Account StatusVerified
PAYYER BridgeEnabled

Cards, Wallet And PAYYER Bridge In One Elegant Workspace

Prepaid Cards, Physical Card, Account Controls, Payment Vouchers, Biometric-Ready Flows and Signed Connector returns are prepared as one Branded AYABANK Experience.

Create Account →
4K+Verified Customers
50+Payment Options
10+Payment Services
24/7Digital Access

One Account. Every Financial Possibility.

Start Banking With AYABANK →
Common questions

Banking, Made Clear.

How do I open an AYABANK account?

Select Open Account, complete your profile and follow the secure identity-verification steps.

What cards can I use?

AYABANK supports prepaid and physical card experiences with modern account controls.

How is my account protected?

Identity verification, biometric-ready flows and signed payment connections add protection throughout your journey.

Can I access AYABANK at any time?

Yes. Your digital banking workspace is designed for secure 24/7 access.

Get in touch

Here When You Need Us.

Emailinfo@ayabank.us
Phone+1 888 909 8909
Address61 Bridge Street, Kington, HR5 3DJ
Business hours09:00 AM – 06:00 PM