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Oct 24, 2025
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Update belgian-ibans.mdx #466

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max-koro Oct 23, 2025
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56 changes: 49 additions & 7 deletions docs/preview/belgian-ibans/belgian-ibans.mdx
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Expand Up @@ -21,7 +21,7 @@ Offering Belgian IBANs expands Swan's local IBAN coverage, allowing you to offer

Belgian IBANs are available for:
- **Account holders** registered in Belgium and in Swan-supported European markets.
- **[Account members](/topics/accounts/memberships/)** invited to a Belgian account, regardless of their location..
- **[Account members](/topics/accounts/memberships/)** invited to a Belgian account, regardless of their location.
- **Business accounts** for Belgian companies and subsidiaries.

## Integration impact
Expand All @@ -32,13 +32,15 @@ Belgian IBAN support maintains full compatibility with existing Swan integration
- **Standard [onboarding flow](/topics/onboarding/)**: Uses existing [individual](/topics/onboarding/individual/) and [company](/topics/onboarding/company/) onboarding processes.
- **Consistent permissions**: Account membership permissions work identically across all local IBANs.

### Onboarding requirements
## Onboarding requirements

Belgian account holders follow Swan's standard onboarding requirements with these specifics:

<FieldRequirementsLegend />

#### Individual accounts
### Individual accounts

#### Account information

| API field | Requirement | Notes |
|---|:---:|---|
Expand All @@ -58,7 +60,23 @@ Belgian account holders follow Swan's standard onboarding requirements with thes
| `residencyAddress.state` | <Opt /> | State or region |
| `taxIdentificationNumber` | <Opt /> | Belgian tax identification |

#### Company accounts
#### Identification

Belgian individual accounts require identity verification following Swan's [identification](/topics/users/identifications/) process.

| Account country | Recommended level | Other supported levels |
|---|---|---|
| 🇧🇪 Belgium | QES | Expert + first transfer<br />PVID |

:::info Identification level
This may change from QES to Expert to align with the Netherlands when launching Belgian IBANs.
:::

[Learn more about identity verification methods ➜](/partnership/document-center/identity/)

### Company accounts

#### Account information

| API field | Requirement | Notes |
|---|:---:|---|
Expand Down Expand Up @@ -87,9 +105,29 @@ Belgian account holders follow Swan's standard onboarding requirements with thes
| `typeOfRepresentation` | <Req /> | Type of legal representation |
| `vatNumber` | <Opt /> | VAT registration number |

#### Identification

***Self-employed accounts***

Belgian self-employed account holders use **QES** identification.

:::info Self-employed identification
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@racene-swan racene-swan Oct 24, 2025

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Same comment as above - what's the purpose of it and what do we want Partners to do?

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@max-koro max-koro Oct 24, 2025

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This was requested by Martin Vallade. It clarifies the user journey for partners

We might update self-employed identification to **`QES` + [`First transfer`](/topics/onboarding/account-holders/#first-transfer)** when launching Belgian IBANs.
:::

***Company accounts***

Belgian company accounts require identity verification for the [account admin](/topics/onboarding/company/#representatives).

| Account country | Recommended level | Other supported levels |
|---|---|---|
| 🇧🇪 Belgium | Expert | QES<br />PVID |

[Learn more about identity verification methods ➜](/partnership/document-center/identity/)

#### Ultimate Beneficial Owners (UBOs)

For company accounts, Ultimate Beneficial Owners information is required:
For company accounts, the UBOs information is required:

| API field | Requirement | Notes |
|---|:---:|---|
Expand Down Expand Up @@ -124,7 +162,7 @@ For company accounts, Ultimate Beneficial Owners information is required:
| `personalAddress.postalCode` | <Req /> | Postal code |
| `personalAddress.state` | <Opt /> | State or region |

### Account memberships
## Account memberships

Belgian account memberships follow standard Swan patterns:

Expand All @@ -150,4 +188,8 @@ Belgian account memberships follow standard Swan patterns:
| `restrictedTo.lastName` | <Req /> | Member's last name |
| `restrictedTo.phoneNumber` | <Cnd /> | Phone number - required for advanced permissions |
| `restrictedTo.birthDate` | <Cnd /> | Birth date - required for advanced permissions or card management |
| `taxIdentificationNumber` | <Opt /> | Member's tax identification number |
| `taxIdentificationNumber` | <Opt /> | Member's tax identification number |

## Card printing

Cards for Belgian accounts are printed and shipped from Swan's [🇫🇷 France hub in Dijon](/topics/cards/physical/#hubs-france).