— Business
Business Accounts.
Operating accounts for serious operators.
— Business
Operating accounts for serious operators.
— Minimum balance
€50,000
— Monthly fee
€95
— API rate limit
300 req/min
— SEPA cut-off
16:30 CET
— Overview
Multi-entity, multi-currency operating accounts with the controls a CFO actually needs. Sub-accounts, dual approvals, scheduled payments, and an API your finance team can build against.
— Features
Unlimited sub-accounts under a single legal entity for project, payroll, tax, and FX segregation. Each with separate IBANs, statements, and limits.
Configurable n-of-m approval rules per payment threshold, with audit trail exportable to your ERP. Granular roles for each user.
REST API + webhooks for balance, statements, payment initiation, and beneficiary management. Idempotency keys and rate limits documented.
— Banking API
A real example from our docs. Initiate, idempotent, settled — your finance team will recognise the shape immediately. Full reference, postman collection, and sandbox available before you sign anything.
Open an account →curl -X POST https://api.diavulcan.cz/v1/payments \ -H "Authorization: Bearer dv_live_..." \ -H "Idempotency-Key: $(uuidgen)" \ -d '{ "from_iban": "CZ65 0100 0000 0019 4853 1004", "to_iban": "DE89 3704 0044 0532 0130 00", "amount": 38400.00, "currency": "EUR", "reference": "Q1-INV-04822" }' { "id": "pay_01HYZ7Q...", "status": "settled", "settled_at": "2026-05-07T09:14:21Z" }
— Process
Step 01
Apply
KYB documents online. We need beneficial-ownership map, articles, and last two years of accounts.
Step 02
Approve
Most files clear in 5 business days; complex group structures up to 15 days.
Step 03
Integrate
Sandbox API access from day one. We'll pair-program your first payment if you want.
Step 04
Operate
Sub-accounts, approvals, and scheduled payments live within hours of going-live.
— Key facts
All headline terms shown here. Indicative pricing — your dedicated banker will confirm exact figures based on your relationship and the structure agreed.
Regulated by the Czech National Bank.
Member of EU Deposit Guarantee Scheme.
| Minimum balance | €50,000 (group) |
| Monthly fee | €95 |
| Sub-accounts | Unlimited (€2 / mo each) |
| API rate limit | 300 req / min |
| Webhooks | Yes (signed) |
| SEPA cut-off | 16:30 CET |
"We came to Diavulcan in 1996 after our Swiss bank lost track of who we were. Three banks have tried to win us back since. None has come close. The same banker still answers the same line."
— Mr. P. Janáček
Client since 1996 · Praha
— Questions
Do you support multi-entity treasury structures?
Yes. We can set up parent-and-subsidiary accounts under a single relationship with consolidated reporting.
Is the API stable?
Versioned with 24-month minimum support. We give 12 months notice on any breaking change.
Can I integrate with NetSuite / SAP / Xero?
Yes. We have first-party integrations for NetSuite, SAP, Xero, and QuickBooks; others are straightforward via our API.
How fast is SEPA Instant?
Median 6 seconds end-to-end; 99.5th percentile under 10 seconds.
Do you offer virtual IBANs?
Yes, both physical and virtual IBANs for collections.
Have a question we did not answer? Message your banker or write to us directly.
— Related
— Begin
A short conversation is the fastest way to understand whether business accounts are the right structure for you. We reply within two business days — usually the same day.