diff --git a/docs/images/partnership/countries/coverage-ibans.png b/docs/images/partnership/countries/coverage-ibans.png index 89d6d191337..a67d639adca 100644 Binary files a/docs/images/partnership/countries/coverage-ibans.png and b/docs/images/partnership/countries/coverage-ibans.png differ diff --git a/docs/partnership/overview/country-coverage.mdx b/docs/partnership/overview/country-coverage.mdx index c7ffac05511..fc3cd79ba5f 100644 --- a/docs/partnership/overview/country-coverage.mdx +++ b/docs/partnership/overview/country-coverage.mdx @@ -24,8 +24,7 @@ The availability of Swan's features depends on local regulations and the presenc
-

Swan offers IBANs beginning with FR, DE, IT, NL, and ES.

-

Belgian account memberships will be available soon. [Learn more →](/preview/belgian-ibans)

+

Swan offers IBANs beginning with FR, BE, DE, IT, NL, and ES.

Map of Swan coverage for IBANs
@@ -57,7 +56,7 @@ Overview of key feature availability in countries Swan serves. 🇧🇪 Belgium 🔐 Accounts 💳 Cards - 🌐 Local BE IBANs
[coming soon →](/preview/belgian-ibans) + 🌐 Local BE IBANs 🍏🤖 Digital Wallets diff --git a/docs/preview/belgian-ibans/belgian-ibans.mdx b/docs/preview/belgian-ibans/belgian-ibans.mdx deleted file mode 100644 index 88f143a6d34..00000000000 --- a/docs/preview/belgian-ibans/belgian-ibans.mdx +++ /dev/null @@ -1,199 +0,0 @@ ---- -title: Belgian IBANs ---- - -# Belgian IBANs - -Issue local Belgian IBANs for your account holders and members, providing enhanced banking experience and regulatory compliance for Belgian users. - -## Overview - -Offering Belgian IBANs expands Swan's local IBAN coverage, allowing you to offer familiar local banking experiences to end-users. Account holders registered in Belgium will receive Belgian IBANs (with a `BE` prefix) instead of French IBANs. - -### Key benefits - -- **Expanded market reach**: Serve Belgian customers with local banking infrastructure. -- **Regulatory alignment**: Meet Belgian banking regulations and reporting requirements. -- **Enhanced user trust**: Local IBANs increase customer confidence and reduce payment friction. -- **Local banking integration**: Seamless integration with Belgian banking systems and practices. - -## Geographic scope - -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. -- **Business accounts** for Belgian companies and subsidiaries. - -## Integration impact - -Belgian IBAN support maintains full compatibility with existing Swan integrations: - -- **No breaking changes**: Existing API calls continue to work. -- **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 - -Belgian account holders follow Swan's standard onboarding requirements with these specifics: - - - -### Individual accounts - -#### Account information - -| API field | Requirement | Notes | -|---|:---:|---| -| `accountCountry` | | Must be Belgium | -| `accountName` | | Custom name for the account | -| `email` | | Standard verification email | -| `employmentStatus` | | Employment status for compliance | -| `language` | | Language for communication and legal documents | -| `monthlyIncome` | | Belgian KYC requirement | -| `redirectUrl` | | Post-onboarding redirect URL | -| `residencyAddress` | | Full Belgian residency address object | -| `residencyAddress.addressLine1` | | Primary address line | -| `residencyAddress.addressLine2` | | Secondary address line | -| `residencyAddress.city` | | City of residence | -| `residencyAddress.country` | | Country of residence | -| `residencyAddress.postalCode` | | Postal code | -| `residencyAddress.state` | | State or region | -| `taxIdentificationNumber` | | Belgian tax identification | - -#### Identification - -Belgian citizens and residents are attributed a national identification number: -- Rijksregisternummer or RRN in Dutch. -- Numéro National or NN in French. - -Swan must collect this identifier when a Belgian citizen or resident is the account holder of an individual account. Currently, only identity cards and residency permits are accepted for Belgian IBAN accounts. Passports will only be accepted once RRN declaration is enabled for the onboarding flow. - -Belgian individual accounts require identity verification following Swan's [identification](/topics/users/identifications/) process. - -| Account country | Recommended level | Other supported levels | -|---|---|---| -| 🇧🇪 Belgium | Expert + first transfer | *none* | - -[Learn more about identity verification methods ➜](/partnership/document-center/identity/) - -### Company accounts - -#### Account information - -| API field | Requirement | Notes | -|---|:---:|---| -| `accountCountry` | | Must be Belgium | -| `accountName` | | Custom name for the account | -| `acquisitionChannel` | | How the customer was acquired | -| `businessActivity` | | Main industry or line of business | -| `businessActivityDescription` | | Detailed business activity description | -| `companyType` | | Legal structure of the company | -| `email` | | Company contact email | -| `isRegistered` | | Whether company is officially registered | -| `language` | | Language for communication and legal documents | -| `name` | | Official company name | -| `monthlyPaymentVolume` | | Expected monthly payment volume | -| `redirectUrl` | | Post-onboarding redirect URL | -| `registrationNumber` | | Required when the company [is registered](/topics/onboarding/company/#country-reqs-company-account-holder) | -| `residencyAddress` | | Primary registered address of the organization (headquarters and tax residency) | -| `residencyAddress.addressLine1` | | First address line | -| `residencyAddress.addressLine2` | | Second address line | -| `residencyAddress.city` | | City of registration | -| `residencyAddress.country` | | Country of registration | -| `residencyAddress.postalCode` | | Postal code | -| `residencyAddress.state` | | State or region | -| `taxIdentificationNumber` | | Belgian tax identification | -| `tradeName` | | Trading name if different from legal name | -| `typeOfRepresentation` | | Type of legal representation | -| `vatNumber` | | VAT registration number | - -#### Identification - -***Self-employed accounts*** - -Belgian citizens and residents must provide their national identification number (Rijksregisternummer/RRN in Dutch, Numéro National/NN in French) when they are the account holder of a self-employed account. Currently, only identity cards and residency permits are accepted for Belgian IBAN accounts. Passports will only be accepted once RRN declaration is enabled for the onboarding flow. - -| Account country | Recommended level | Other supported levels | -|---|---|---| -| 🇧🇪 Belgium | Expert + first transfer | *none* | - -***Company accounts*** - -Belgian citizens and foreign residents must provide their national identification number (Rijksregisternummer/RRN in Dutch, Numéro National/NN in French) when they are the account admin (legal representative) for a company account. Currently, only identity cards and residency permits are accepted for Belgian IBAN accounts. Passports will only be accepted once RRN declaration is enabled for the onboarding flow. - -Belgian company accounts require identity verification for the [account admin](/topics/onboarding/company/#representatives). - -| Account country | Recommended level | Other supported levels | -|---|---|---| -| 🇧🇪 Belgium | Expert | *none* | - -[Learn more about identity verification methods ➜](/partnership/document-center/identity/) - -#### Ultimate Beneficial Owners (UBOs) - -For company accounts, the UBOs information is required: - -| API field | Requirement | Notes | -|---|:---:|---| -| `birthCity` | | City where the UBO was born | -| `birthCityPostalCode` | | Postal code of birth city | -| `birthCountryCode` | | Country of birth (ISO 3166 format) | -| `birthDate` | | Date of birth | -| `direct` | | Direct ownership percentage | -| `indirect` | | Indirect ownership percentage | -| `firstName` | | First name | -| `lastName` | | Last name | -| `gender` | | Gender | -| `residencyAddress.addressLine1` | | Primary address line | -| `residencyAddress.addressLine2` | | Secondary address line | -| `residencyAddress.city` | | City of residence | -| `residencyAddress.country` | | Country of residence | -| `residencyAddress.postalCode` | | Postal code | -| `residencyAddress.state` | | State or region | -| `residencyAddress.taxIdentificationNumber` | | Tax identification number | -| `residencyAddress.title` | | Title or honorific | -| `totalCapitalPercentage` | | Total capital ownership percentage | -| `type` | | Type of beneficial ownership | - -#### Legal Representative - -| API field | Requirement | Notes | -|---|:---:|---| -| `personalAddress.addressLine1` | | Primary address line | -| `personalAddress.addressLine2` | | Secondary address line | -| `personalAddress.city` | | City of residence | -| `personalAddress.country` | | Country of residence | -| `personalAddress.postalCode` | | Postal code | -| `personalAddress.state` | | State or region | - -## Account memberships - -Belgian account memberships follow standard Swan patterns: - -| API field | Requirement | Notes | -|---|:---:|---| -| `accountId` | | Account to create membership for | -| `canInitiatePayments` | | Permission to initiate payments | -| `canManageAccountMembership` | | Permission to manage memberships | -| `canManageBeneficiaries` | | Permission to manage beneficiaries | -| `canViewAccount` | | Permission to view account details | -| `canManageCards` | | Permission to manage cards - defaults to `canManageMembership` value | -| `consentRedirectUrl` | | URL for consent flow redirect | -| `email` | | Member's email address | -| `language` | | Member's preferred language - defaults to account language | -| `residencyAddress` | | Full Belgian residency address object | -| `residencyAddress.addressLine1` | | Primary address line | -| `residencyAddress.addressLine2` | | Secondary address line | -| `residencyAddress.city` | | City of residence | -| `residencyAddress.country` | | Country of residence | -| `residencyAddress.postalCode` | | Postal code | -| `residencyAddress.state` | | State or region | -| `restrictedTo.firstName` | | Member's first name | -| `restrictedTo.lastName` | | Member's last name | -| `restrictedTo.phoneNumber` | | Phone number - required for advanced permissions | -| `restrictedTo.birthDate` | | Birth date - required for advanced permissions or card management | -| `taxIdentificationNumber` | | 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). \ No newline at end of file diff --git a/docs/preview/belgian-ibans/partnership_document-center_company-registration_belgium.mdx b/docs/preview/belgian-ibans/partnership_document-center_company-registration_belgium.mdx deleted file mode 100644 index a9a3827d0da..00000000000 --- a/docs/preview/belgian-ibans/partnership_document-center_company-registration_belgium.mdx +++ /dev/null @@ -1,124 +0,0 @@ ---- -title: Proof of Registration ---- - - - -# Proof of registration for Belgian companies - -import DocumentsIntro from '/docs/partnership/document-center/partials/_intro-registration.mdx'; - - - -## Companies {#companies} - -### Legal forms {#company-types} - -| Legal form (Dutch/French) | Description | -|---|---| -| Besloten Vennootschap (BV) / Société à Responsabilité Limitée (SRL) | Private Limited Liability Company | -| Naamloze Vennootschap (NV) / Société Anonyme (SA) | Public Limited Company | -| Vennootschap onder Firma (VOF) / Société en Nom Collectif (SNC) | General Partnership | -| Commanditaire Vennootschap (CommV) / Société en Commandite Simple (SCS) | Limited Partnership | -| Coöperatieve Vennootschap (CV) / Société Coopérative (SC) | Cooperative Company | -| Maatschap / Société Simple | Private Partnership without legal personality | - -### Accepted documents {#company-documents} - -| Document type (Dutch/French) | Description | Details | -|---|---|---| -| Uittreksel Handelsregister / Extrait Banque-Carrefour des Entreprises (BCE)* | Proof of Registration* |
  • Must be official and dated.
  • Retrieved by Swan from the Crossroads Bank for Enterprises (CBE)
  • Must be dated within the last 3 months.
| -| Akte van Oprichting / Statuts* | Articles of Association* |
  • Must be most recently published version.
  • Retrieved from CBE → Publications in National Gazette **or** Moniteur Belge direct search.
  • Dated and signed.
| -| Uittreksel UBO-register / Extrait registre UBO | UBO register extract |
  • From UBO Register (requires NBB authorization) **or** company provision.
  • Mandatory under Belgian law.
| -| Beëdigde verklaring / Déclaration sur l'honneur | Sworn statement |
  • Company declaration.
  • If UBO register extract is unavailable.
  • Must be signed and dated within the last 3 months.
| -| Identiteitsdocument / Pièce d'identité | Identity documents of directors |
  • Identity document or passport of directors.
  • All directors who can represent company.
  • Must be submitted in color, both sides (if applicable).
| -| Identiteitsdocument UBO's / Pièce d'identité des UBOs | UBO identity documents |
  • For all identified UBOs.
  • All valid identity documents are accepted.
  • Must be in color (both sides if applicable).
| -| Bewijs van adres / Justificatif de domicile | Proof of address of UBOs |
  • Must be dated within the last 3 months.
| -| Volmacht / Procuration | Power of Attorney (if applicable) |
  • From authorized directors/Board of Directors.
  • Must grant power to open *and* manage accounts.
  • Must be dated (within the last year) and signed.
  • Identity document required if the legal representative is not the account holder.
| -| Financiële overzichten / Comptes annuels | Annual accounts or tax returns |
  • Retrieved from NBB Central Balance Sheet Office.
  • Must be the most recent.
  • For enhanced due diligence.
| -| Belastingaangifte / Déclaration fiscale | Company's tax return |
  • To be provided by company.
  • Additional financial verification.
| -| Organigram / Organigramme | Company structure chart |
  • To be provided by company.
  • Document must be authentic and the latest version.
  • For complex ownership structures.
| - -## Self-employed individuals {#self-employed} - -### Legal forms {#self-employed-types} - -| Legal form (Dutch/French) | Description | -|---|---| -| Eenmanszaak / Entreprise individuelle | Self-employed | - -### Accepted documents {#self-employed-documents} - -| Document type (Dutch/French) | Description | Details | -|---|---|---| -| Uittreksel Handelsregister / Extrait BCE* | Proof of Registration* |
  • Must be official and dated.
  • Retrieved by Swan from the Crossroads Bank for Enterprises (CBE).
  • Must show: name, address, registration number, activity description.
| -| Identiteitsdocument / Pièce d'identité* | Identity document of individual* |
  • Standard ID verification.
  • Individual represents themselves - no separate legal entity.
  • Must be submitted in color, both sides (if applicable).
| -| Eerste overschrijving / Premier transfert* | First transfer* |
  • For self-employed (entrepreneur individuel) individuals only.
  • Must make a first transfer into their payment account from another bank account registered in their name.
  • Bank account must be within the European Economic Area (EEA).
| - -## Associations {#associations} - -### Legal forms {#association-types} - -| Legal form (Dutch/French) | Description | -|---|---| -| Vereniging zonder winstoogmerk (VZW) / Association sans but lucratif (ASBL) | Non-Profit Organization | -| Internationale Vereniging zonder winstoogmerk (IVZW) / Association Internationale sans but lucratif (AISBL) | International Non-Profit Organization | -| Stichting / Fondation | Foundation | - -### Accepted documents {#association-documents} - -| Document type (Dutch/French) | Description | Details | -|---|---|---| -| Uittreksel Handelsregister / Extrait BCE* | Proof of Registration* |
  • Must be official and dated.
  • Retrieved by Swan from the Crossroads Bank for Enterprises (CBE).
| -| Akte van Oprichting / Statuts* | Articles of Association* |
  • Dated and signed.
  • Must include company name, objectives, and management structure.
| -| Notulen vergadering / Procès verbal* | Latest meeting minutes* |
  • Must be the most recent.
  • Signed by attendees.
| -| Identiteitsdocument / Pièce d'identité | Identity document of UBOs |
  • All valid identity documents are accepted.
  • Must be in color (both sides if applicable).
| -| KVK uittreksel UBO-register / Extrait registre UBO | Ultimate Beneficial Owner (UBO) certificate |
  • Official document signed and stamped.
  • Requested if not clearly shown on proof of registration.
  • Screenshots of the UBO declaration are not accepted.
| -| Bewijs van adres / Justificatif de domicile | Proof of address of UBOs |
  • Must be dated within the last 3 months.
| -| Bewijs van adres / Justificatif de l'adresse de la société | Proof of company address |
  • Must be dated within the last 3 months.
| -| Aangifte vennootschapsbelasting / Avis d'imposition | Business income tax return |
  • Most recent (for the previous year).
| -| Volmacht / Procuration | Power of Attorney and identity document of the legal representative |
  • Must be dated (within the last year) and signed.
  • Identity document required if the legal representative is not the account holder.
  • Must be submitted in color, both sides (if applicable).
| - -## Homeowner associations {#homeowners-associations} - -### Legal forms {#homeowner-association-types} - -| Legal form (Dutch/French) | Description | -|---|---| -| Vereniging van Mede-eigenaars / Association de copropriétaires (ACP) | Homeowners association (HOA) | - -### Accepted documents {#homeowner-association-documents} - -| Document type (Dutch/French) | Description | Details | -|---|---|---| -| Uittreksel Handelsregister / Extrait BCE* | Proof of Registration* |
  • From CBE Public Search using address or registration number - save as PDF.
  • ⚠️ **Note:** Some HOAs not yet registered in CBE.
| -| Basisakte en appartementsreglement / Acte de base et règlement de copropriété* | Articles of Association* |
  • To be provided by HOA.
  • Fundamental governing documents.
| -| Notulen vergadering / Procès verbal* | Latest meeting minutes* |
  • To be provided by HOA.
  • Shows current decisions and authority.
  • Must be the most recent.
  • Must be signed by assembly president, secretary, and co-owners present.
| -| Identiteitsdocument / Pièce d'identité* | Identity document of Syndic* |
  • All valid identity documents are accepted.
  • Syndic is sole legal representative.
  • Must be a valid identity document.
  • Must be submitted in color, both sides (if applicable).
| -| Professionele referenties / Attestation professionnelle | Professional credentials |
  • IPI number verification from IPI website.
  • IPI number format: 6 digits (e.g., 505.833).
  • Verification if professional Syndic.
| -| Financiële verklaring / Compte financier | Financial statement |
  • To be provided by HOA.
  • For enhanced due diligence.
| -| Volmacht / Procuration | Power of attorney from Syndic |
  • From Syndic only.
  • ⚠️ Syndic cannot delegate without general assembly agreement.
  • Proof of general assembly authorization for delegation required.
  • Must be dated (within the last year) and signed.
| - -## Cooperatives {#cooperatives} - -### Legal forms {#cooperative-types} - -| Legal form (Dutch/French) | Description | -|---|---| -| Coöperatieve Vennootschap (CV) / Société Coopérative (SC) | Cooperative | - -### Accepted documents {#cooperative-documents} - -| Document type (Dutch/French) | Description | Details | -|---|---|---| -| Uittreksel Handelsregister / Extrait BCE* | Proof of Registration* |
  • Must be official and dated.
  • Retrieved by Swan from the Crossroads Bank for Enterprises (CBE).
| -| Lidmaatschapsovereenkomst / Convention d'adhésion* | Membership agreement* |
  • Must include member names, terms, and conditions of membership.
| -| Akte van Oprichting / Statuts* | Articles of Association* |
  • Dated and signed.
  • Must include company objectives and management structure.
| -| Notariële oprichtingsakte / Acte notarié de constitution* | Notarial deed of incorporation (with list of directors)* |
  • Includes the appointment of board members in the final provisions (Slotbepalingen).
| -| Uittreksel UBO-register / Extrait registre UBO | Ultimate Beneficial Owner (UBO) certificate |
  • Official document signed and stamped.
  • Requested if not clearly shown on proof of registration.
  • If not available, a membership certificate, share certificate, or UBO confirmation letter may be accepted.
  • Screenshots of the UBO declaration are not accepted.
| -| Notulen vergadering / Procès-verbal | Meeting minutes, house rules, member list, voting records, or board member documents |
  • Only required once members or investors are onboarded.
  • Must be the latest versions.
  • Signed by attendees.
  • Not mandatory for cooperatives less than 1 year old.
| -| Bewijs van adres / Justificatif de domicile | Proof of address |
  • Must be dated within the last 3 months.
| -| Financiële overzichten / États financiers | Financial statements |
  • Most recent annual report or balance sheet.
  • Dated within the last 3 months.
| -| Volmacht / Procuration | Power of Attorney and identity document of the legal representative |
  • Must be dated (within the last year) and signed.
  • Identity document required if the legal representative is not the account holder.
| -| Identiteitsdocument / Pièce d'identité | Identity document of UBOs |
  • All valid identity documents are accepted.
  • Must be in color (both sides if applicable).
| -| Bewijs van adres / Justificatif de domicile | Proof of address of UBOs |
  • Must be dated within the last 3 months.
| \ No newline at end of file diff --git a/docs/preview/index.mdx b/docs/preview/index.mdx index ccce0918ff9..d4ad779321d 100644 --- a/docs/preview/index.mdx +++ b/docs/preview/index.mdx @@ -14,7 +14,7 @@ These features are in active development and will be available soon. Some may be | Feature | Description | ETA | |---------|-------------|-----| -| [Belgian IBANs](belgian-ibans) | Belgian IBAN support for account holders located in Belgium | Q4, 2025 | +| - | - | - | diff --git a/docs/topics/accounts/ibans/index.mdx b/docs/topics/accounts/ibans/index.mdx index 1ef243bb0c5..404e1a72128 100644 --- a/docs/topics/accounts/ibans/index.mdx +++ b/docs/topics/accounts/ibans/index.mdx @@ -48,7 +48,7 @@ Local IBANs are available for the following countries. Refer to [Swan's public roadmap](https://swanio.notion.site/Swan-Public-Roadmap-385e4b2e91b3409786a6c8e885654a22) to see which local IBANs are on the way. - + #### France → IBAN: `FR76 1732 8844 00XX XXXX XXXX XYY` | BIC: `SWNBFR22` @@ -67,6 +67,24 @@ Each set of characters represents a different account detail. + + +#### Belgium → IBAN: `BEYY ZZZZ XXXX XXYY` | BIC: `SWNBBE22` + +Belgian IBANs consist of 16 letters and numbers.
+Each set of characters represents a different account detail. + +| Character set | Explanation | +| ---: | :--- | +| **BE** | Belgium's country code | +| **YY** | Check digits | +| **ZZZZ** | Swan's Belgian bank code for main IBANs (virtual IBANs: different bank code) | +| **XXXX XX** | Account number (not applicable for virtual IBANs) | +| **YY** | Check digits | +| **SWNBBE22** | Swan's Belgian Bank Identifier Code (BIC) | + + + #### Germany → IBAN: `DEYY 1001 4000 XXXX XXXX XX` | BIC: `SWNBDEBB` diff --git a/docs/topics/accounts/memberships/index.mdx b/docs/topics/accounts/memberships/index.mdx index 550c9cb56ef..45581684c0b 100644 --- a/docs/topics/accounts/memberships/index.mdx +++ b/docs/topics/accounts/memberships/index.mdx @@ -164,33 +164,29 @@ To invite an account member, you must provide specific account membership fields -| API field | 🇫🇷
France | 🇩🇪
Germany | 🇳🇱
Netherlands | 🇪🇸
Spain | 🇮🇹
Italy | -|---|:---:|:---:|:---:|:---:|:---:| -| `accountID` | | | | | | -| `canInitiatePayments` | | | | | | -| `canManageAccountMembership` | | | | | | -| `canManageBeneficiaries` | | | | | | -| `canManageCards` | | | | | | -| `canViewAccount` | | | | | | -| `consentRedirectUrl` | | | | | | -| `email` | | | | | | -| `language` | | | | | | -| `residencyAddress.addressLine1` | | | | | | -| `residencyAddress.addressLine2` | | | | | | -| `residencyAddress.city` | | | | | | -| `residencyAddress.country` | | | | | | -| `residencyAddress.postalCode` | | | | | | -| `residencyAddress.state` | | | | | | -| `restrictedTo.firstName` | | | | | | -| `restrictedTo.lastName` | | | | | | -| `restrictedTo.phoneNumber` | | | | | | -| `restrictedTo.birthDate` | | | | | | -| `taxIdentificationNumber` | | | | | | -| | 🇫🇷
France | 🇩🇪
Germany | 🇳🇱
Netherlands | 🇪🇸
Spain | 🇮🇹
Italy | - -:::info Belgian memberships support -🇧🇪 Belgian account memberships will be available soon. [Learn more →](/preview/belgian-ibans) -::: +| API field | 🇫🇷
France | 🇧🇪
Belgium | 🇩🇪
Germany | 🇳🇱
Netherlands | 🇪🇸
Spain | 🇮🇹
Italy | +|---|:---:|:---:|:---:|:---:|:---:|:---:| +| `accountID` | | | | | | | +| `canInitiatePayments` | | | | | | | +| `canManageAccountMembership` | | | | | | | +| `canManageBeneficiaries` | | | | | | | +| `canManageCards` | | | | | | | +| `canViewAccount` | | | | | | | +| `consentRedirectUrl` | | | | | | | +| `email` | | | | | | | +| `language` | | | | | | | +| `residencyAddress.addressLine1` | | | | | | | +| `residencyAddress.addressLine2` | | | | | | | +| `residencyAddress.city` | | | | | | | +| `residencyAddress.country` | | | | | | | +| `residencyAddress.postalCode` | | | | | | | +| `residencyAddress.state` | | | | | | | +| `restrictedTo.firstName` | | | | | | | +| `restrictedTo.lastName` | | | | | | | +| `restrictedTo.phoneNumber` | | | | | | | +| `restrictedTo.birthDate` | | | | | | | +| `taxIdentificationNumber` | | | | | | | +| | 🇫🇷
France | 🇧🇪
Belgium | 🇩🇪
Germany | 🇳🇱
Netherlands | 🇪🇸
Spain | 🇮🇹
Italy | ### Detailed optional and conditional requirements diff --git a/docs/topics/cards/physical/index.mdx b/docs/topics/cards/physical/index.mdx index 760f5de0240..b12c4a6449c 100644 --- a/docs/topics/cards/physical/index.mdx +++ b/docs/topics/cards/physical/index.mdx @@ -167,6 +167,7 @@ The France hub prints and ships out of **Dijon, France**, and ships using either The hub has several intended destinations: - France +- Belgium - Italy - Northern Europe - French overseas departments and territories (DROM-COM): diff --git a/docs/topics/onboarding/company/index.mdx b/docs/topics/onboarding/company/index.mdx index 01e6d853846..a17805a5d27 100644 --- a/docs/topics/onboarding/company/index.mdx +++ b/docs/topics/onboarding/company/index.mdx @@ -132,9 +132,10 @@ Swan must verify the identity of the [legal representative](../../../glossary.md Swan supports multiple [identification processes](../../users/identifications/index.mdx#levels-processes), and some require a [first transfer](../account-holders/index.mdx#first-transfer). For company onboarding, the following levels are recommended based on the account country. -| Account country | Recommended level for account admin | Other supported levels | +| Account country | Recommended level
for account admin | Other supported levels | |---|---|---| | 🇫🇷 France | ** Expert** | QES
PVID | +| 🇧🇪 Belgium | ** Expert** | *none* | | 🇩🇪 Germany | ** QES** | *none* | | 🇮🇹 Italy | ** Expert** | QES
PVID | | 🇳🇱 Netherlands | ** Expert** | QES
PVID | @@ -142,9 +143,8 @@ For company onboarding, the following levels are recommended based on the accoun import SelfEmployedRecommendations from '../../partials/_self-employed-id-recs.mdx'; -:::info Self-employed account holders +### Self-employed account holders -::: ## Country requirements for company accounts {#country-reqs} @@ -199,10 +199,13 @@ Learn more about how [Swan retrieves data](#retrieve-data) for certain company a Otherwise, the account is `Suspended`. Share [Swan's Support Center article](https://support.swan.io/hc/en-150/articles/21876111550621-German-Tax-identification-number-Tax-ID) if your account holders have concerns.* > -> ﹖ *Required if **both** the `accountCountry` and `residencyAddress.country` are Spain.* +> ∗∗ *Required if **both** the `accountCountry` and `residencyAddress.country` are Spain.* -:::info Belgian support coming soon -🇧🇪 Belgian company onboarding will be available soon. [Learn more →](/preview/belgian-ibans) +:::info +*`isRegistered` must be `true` and the `registrationNumber` provided for **all onboardings** where `companyType` is `Company`. +This also applies when `companyType` is `SelfEmployed` **and** the account country is `France`. +Swan overrides `isRegistered` if the provided value is `false` but it should be `true`. +Learn more about how [Swan retrieves data](#retrieve-data) for certain company accounts.* ::: ### UBO information {#country-reqs-ubo} @@ -216,26 +219,26 @@ However, for `individualUltimateBeneficialOwners.type`, please indicate `LegalRe -| API field | 🇫🇷
France | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | -|---|:---:|:---:|:---:|:---:|:---:| -|`UBO.birthCity`| | | | | | -|`UBO.birthCityPostalCode`| | | | | | -|`UBO.birthCountryCode`| | | | | | -|`UBO.birthDate`| | | | | | -|`UBO.direct`| | | | | | -|`UBO.indirect`| | | | | | -|`UBO.firstName`| | | | | | -|`UBO.lastName`| | | | | | -|`UBO.gender`| | | | | | -|`UBO.residencyAddress.addressLine1`| | | | | | -|`UBO.residencyAddress.addressLine2`| | | | | | -|`UBO.residencyAddress.city`| | | | | | -|`UBO.residencyAddress.country`| | | | | | -|`UBO.residencyAddress.postalCode`| | | | | | -|`UBO.residencyAddress.state`| | | | | | -|`UBO.taxIdentificationNumber`| | ∗ | | | | -|`UBO.totalCapitalPercentage`| | | | | | -|`UBO.type`| | | | | | +| API field | 🇫🇷
France | 🇧🇪
Belgium | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | +|---|:---:|:---:|:---:|:---:|:---:|:---:| +|`UBO.birthCity`| | | | | | | +|`UBO.birthCityPostalCode`| | | | | | | +|`UBO.birthCountryCode`| | | | | | | +|`UBO.birthDate`| | | | | | | +|`UBO.direct`| | | | | | | +|`UBO.indirect`| | | | | | | +|`UBO.firstName`| | | | | | | +|`UBO.lastName`| | | | | | | +|`UBO.gender`| | | | | | | +|`UBO.residencyAddress.addressLine1`| | | | | | | +|`UBO.residencyAddress.addressLine2`| | | | | | | +|`UBO.residencyAddress.city`| | | | | | | +|`UBO.residencyAddress.country`| | | | | | | +|`UBO.residencyAddress.postalCode`| | | | | | | +|`UBO.residencyAddress.state`| | | | | | | +|`UBO.taxIdentificationNumber`| | | ∗ | | | | +|`UBO.totalCapitalPercentage`| | | | | | | +|`UBO.type`| | | | | | | > ∗ *If the `accountCountry` is Germany, the UBO has 90 days to provide their Tax ID Number when opening an account. Otherwise, the account is `Suspended`. @@ -250,14 +253,14 @@ Share [Swan's Support Center article](https://support.swan.io/hc/en-150/articles -| API field | 🇫🇷
France | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | -|---|:---:|:---:|:---:|:---:|:---:| -|`lrPersonalAddress.addressLine1`| | | | | | -|`lrPersonalAddress.addressLine2`| | | | | | -|`lrPersonalAddress.city`| | | | | | -|`lrPersonalAddress.country`| | | | | | -|`lrPersonalAddress.postalCode`| | | | | | -|`lrPersonalAddress.state`| | | | | | +| API field | 🇫🇷
France | 🇧🇪
Belgium | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | +|---|:---:|:---:|:---:|:---:|:---:|:---:| +|`lrPersonalAddress.addressLine1`| | | | | | | +|`lrPersonalAddress.addressLine2`| | | | | | | +|`lrPersonalAddress.city`| | | | | | | +|`lrPersonalAddress.country`| | | | | | | +|`lrPersonalAddress.postalCode`| | | | | | | +|`lrPersonalAddress.state`| | | | | | | ### Representative information {#country-reqs-representatives} @@ -274,26 +277,26 @@ While these fields are mostly optional now, they'll become mandatory in the futu - | API field | 🇫🇷
France | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | - |---|:---:|:---:|:---:|:---:|:---:| - |`representatives.type`|
(`Individual`) |
(`Individual`) |
(`Individual`) |
(`Individual`) |
(`Individual`) | - |`representatives.roles`| | | | | | - |`representatives.firstNames`| | | | | | - |`representatives.firstName`| | | | | | - |`representatives.lastName`| | | | | | - |`representatives.preferredFirstName`| | | | | | - |`representatives.gender`| | | | | | - |`representatives.birthDate`| | | | | | - |`representatives.birthCity`| | | | | | - |`representatives.birthCityPostalCode`| | | | | | - |`representatives.birthCountryCode`| | | | | | - |`representatives.nationality`| | | | | | - |`representatives.residencyAddress.addressLine1`| | | | | | - |`representatives.residencyAddress.addressLine2`| | | | | | - |`representatives.residencyAddress.city`| | | | | | - |`representatives.residencyAddress.country`| | | | | | - |`representatives.residencyAddress.postalCode`| | | | | | - |`representatives.residencyAddress.state`| | | | | | + | API field | 🇫🇷
France | 🇧🇪
Belgium | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | + |---|:---:|:---:|:---:|:---:|:---:|:---:| + |`representatives.type`|
(`Individual`) |
(`Individual`) |
(`Individual`) |
(`Individual`) |
(`Individual`) |
(`Individual`) | + |`representatives.roles`| | | | | | | + |`representatives.firstNames`| | | | | | | + |`representatives.firstName`| | | | | | | + |`representatives.lastName`| | | | | | | + |`representatives.preferredFirstName`| | | | | | | + |`representatives.gender`| | | | | | | + |`representatives.birthDate`| | | | | | | + |`representatives.birthCity`| | | | | | | + |`representatives.birthCityPostalCode`| | | | | | | + |`representatives.birthCountryCode`| | | | | | | + |`representatives.nationality`| | | | | | | + |`representatives.residencyAddress.addressLine1`| | | | | | | + |`representatives.residencyAddress.addressLine2`| | | | | | | + |`representatives.residencyAddress.city`| | | | | | | + |`representatives.residencyAddress.country`| | | | | | | + |`representatives.residencyAddress.postalCode`| | | | | | | + |`representatives.residencyAddress.state`| | | | | | | @@ -301,19 +304,19 @@ While these fields are mostly optional now, they'll become mandatory in the futu - | API field | 🇫🇷
France | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | - |---|:---:|:---:|:---:|:---:|:---:| - |`representatives.type`|
(`Company`) |
(`Company`) |
(`Company`) |
(`Company`) |
(`Company`) | - |`representatives.roles`| | | | | | - |`representatives.entityName`| | | | | | - |`representatives.registrationNumber`| | | | | | - |`representatives.legalForm`| | | | | | - |`representatives.residencyAddress.addressLine1`| | | | | | - |`representatives.residencyAddress.addressLine2`| | | | | | - |`representatives.residencyAddress.city`| | | | | | - |`representatives.residencyAddress.country`| | | | | | - |`representatives.residencyAddress.postalCode`| | | | | | - |`representatives.residencyAddress.state`| | | | | | + | API field | 🇫🇷
France | 🇧🇪
Belgium | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | + |---|:---:|:---:|:---:|:---:|:---:|:---:| + |`representatives.type`|
(`Company`) |
(`Company`) |
(`Company`) |
(`Company`) |
(`Company`) |
(`Company`) | + |`representatives.roles`| | | | | | | + |`representatives.entityName`| | | | | | | + |`representatives.registrationNumber`| | | | | | | + |`representatives.legalForm`| | | | | | | + |`representatives.residencyAddress.addressLine1`| | | | | | | + |`representatives.residencyAddress.addressLine2`| | | | | | | + |`representatives.residencyAddress.city`| | | | | | | + |`representatives.residencyAddress.country`| | | | | | | + |`representatives.residencyAddress.postalCode`| | | | | | | + |`representatives.residencyAddress.state`| | | | | | | diff --git a/docs/topics/onboarding/individual/index.mdx b/docs/topics/onboarding/individual/index.mdx index 3bc8161b098..1a4750e7eab 100644 --- a/docs/topics/onboarding/individual/index.mdx +++ b/docs/topics/onboarding/individual/index.mdx @@ -33,11 +33,12 @@ For individual onboarding, the following levels are recommended based on the acc | Account country | Recommended level
for individuals | Other supported levels | |---|---|---| -| 🇫🇷 France | ** PVID** | Expert + first transfer
QES | +| 🇫🇷 France | ** PVID** | *Expert + first transfer
QES* | +| 🇧🇪 Belgium | ** Expert + first transfer** | *none* | | 🇩🇪 Germany | ** QES + first transfer** | *none* | -| 🇮🇹 Italy | ** QES** | Expert + first transfer | -| 🇳🇱 Netherlands | ** Expert** | QES
PVID | -| 🇪🇸 Spain | ** QES** | Expert + first transfer
PVID + first transfer | +| 🇮🇹 Italy | ** QES** | *Expert + first transfer* | +| 🇳🇱 Netherlands | ** Expert** | *QES
PVID* | +| 🇪🇸 Spain | ** QES** | *Expert + first transfer
PVID + first transfer* | ## Country requirements for individual accounts {#country-reqs} @@ -49,30 +50,26 @@ For individual accounts, use the `onboardIndividualAccountHolder` mutation to co -| API field | 🇫🇷
France | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | -|---|:---:|:---:|:---:|:---:|:---:| -|`accountCountry`|
(`FRA`) |
(`DEU`) |
(`ITA`) |
(`NLD`) |
(`ESP`) | -|`accountName`|||||| -|`email`| | | | | | -|`employmentStatus`| | | | | | -|`language`| | | | | | -|`monthlyIncome`| | | | | | -|`redirectUrl`|||||| -|`residencyAddress.addressLine1`| | | | | | -|`residencyAddress.addressLine2`|||||| -|`residencyAddress.city`| | | | | | -|`residencyAddress.country`| | | | | | -|`residencyAddress.postalCode`| | | | | | -|`residencyAddress.state`|||||| -|`taxIdentificationNumber`|| ∗ | ||| +| API field | 🇫🇷
France | 🇧🇪
Belgium | 🇩🇪
Germany | 🇮🇹
Italy | 🇳🇱
Netherlands | 🇪🇸
Spain | +|---|:---:|:---:|:---:|:---:|:---:|:---:| +|`accountCountry`|
(`FRA`) |
(`BEL`) |
(`DEU`) |
(`ITA`) |
(`NLD`) |
(`ESP`) | +|`accountName`||||||| +|`email`| | | | | | | +|`employmentStatus`| | | | | | | +|`language`| | | | | | | +|`monthlyIncome`| | | | | | | +|`redirectUrl`||||||| +|`residencyAddress.addressLine1`| | | | | | | +|`residencyAddress.addressLine2`||||||| +|`residencyAddress.city`| | | | | | | +|`residencyAddress.country`| | | | | | | +|`residencyAddress.postalCode`| | | | | | | +|`residencyAddress.state`||||||| +|`taxIdentificationNumber`||| ∗ | ||| ∗ *If the `accountCountry` is Germany, the account holder has 90 days to provide their Tax ID Number when opening an account. Otherwise, the account will be suspended.* -:::info Belgian support coming soon -🇧🇪 Belgian individual onboarding will be available soon. [Learn more →](/preview/belgian-ibans) -::: - ## User flow diagrams {#diagrams} ## Individual account onboarding diff --git a/docs/topics/partials/_account-countries.mdx b/docs/topics/partials/_account-countries.mdx index ee2ae5cba56..188b80fadc3 100644 --- a/docs/topics/partials/_account-countries.mdx +++ b/docs/topics/partials/_account-countries.mdx @@ -1,4 +1,5 @@ 1. 🇫🇷 France +1. 🇧🇪 Belgium 1. 🇩🇪 Germany 1. 🇮🇹 Italy 1. 🇳🇱 Netherlands diff --git a/docs/topics/partials/_self-employed-id-recs.mdx b/docs/topics/partials/_self-employed-id-recs.mdx index a9c324292ad..4569efbd4ee 100644 --- a/docs/topics/partials/_self-employed-id-recs.mdx +++ b/docs/topics/partials/_self-employed-id-recs.mdx @@ -1,2 +1,5 @@ -- 🇫🇷 **France self-employed**: PVID -- 🇩🇪 **Germany self-employed**: QES + first transfer \ No newline at end of file +| Account country | Recommended level
for self-employed | Other supported levels | +|---|---|---| +| 🇫🇷 France | ** PVID** | *none* | +| 🇧🇪 Belgium | ** Expert + first transfer** | *none* | +| 🇩🇪 Germany | ** QES + first transfer** | *none* | \ No newline at end of file diff --git a/docs/topics/users/identifications/index.mdx b/docs/topics/users/identifications/index.mdx index 7ed3646f946..9c1ec34c66b 100644 --- a/docs/topics/users/identifications/index.mdx +++ b/docs/topics/users/identifications/index.mdx @@ -87,10 +87,12 @@ Sometimes, a [first transfer](../../onboarding/account-holders/index.mdx#first-t | Account country | Individual accounts | Company accounts | | --- | --- | --- | | 🇫🇷 France | ** PVID**
Expert + first transfer
QES | ** Expert**
QES
PVID | +| 🇧🇪 Belgium | ** Expert + first transfer** ∗
PVID | ** Expert** ∗
PVID | | 🇩🇪 Germany | ** QES + first transfer** | ** QES** | -| 🇮🇹 Italy | **QES**
Expert + first transfer | ** Expert**
QES
PVID | +| 🇮🇹 Italy | ** QES**
Expert + first transfer | ** Expert**
QES
PVID | | 🇳🇱 Netherlands | ** Expert**
QES
PVID | ** Expert**
QES
PVID | | 🇪🇸 Spain | ** QES**
Expert + first transfer
PVID + first transfer | ** Expert**
QES
PVID | +> ∗ *Belgian citizens and foreign residents are attributed a national identification number (Rijksregisternummer/RRN in Dutch, Numéro National/NN in French). Swan must collect this identifier when a Belgian citizen or resident is the account holder or legal representative. Currently, only identity cards and residency permits are accepted for Belgian IBAN accounts. Passports will only be accepted once RRN declaration is enabled for the onboarding flow.* import SelfEmployedRecommendations from '../../partials/_self-employed-id-recs.mdx'; diff --git a/sidebars.js b/sidebars.js index cd6696512ef..ff07d6756ce 100644 --- a/sidebars.js +++ b/sidebars.js @@ -771,7 +771,7 @@ module.exports = { label: 'Upcoming features', className: 'sidebar-preview-notice', }, - { + /*{ type: "category", label: "Preview", collapsible: false, @@ -788,7 +788,7 @@ module.exports = { }, // Add more preview features here ], - }, + },*/ // Add more categories here { type: "category",