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Iban.link – A memorable link for your IBAN

Iban.link – A memorable link for your IBAN

by oliverjanssen·Feb 20, 2026·1 point·0 comments
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AI Analysis

●●●BangerSolve My ProblemZero to One

Privacy-first IBAN shortener replaces PayPal for European bank transfers—genuinely useful.

Strengths
  • •Solves real friction: IBAN mnemonic capacity is genuinely broken (22+ chars, unshareable)
  • •Zero-signup, zero-tracking design respects user privacy vs surveillance payment platforms
  • •QR + hash fragment prefill is a thoughtful UX detail (amount/ref never hits server)
Weaknesses
  • •Regulatory risk around money transmission—EU AML/KYC may eventually require verification
  • •Adoption depends on critical mass; early-stage even if technically sound
Category
Finance
Target Audience

Europeans sending peer-to-peer instant bank transfers who want privacy-first payment links

Similar To

Revolut (payment links) · Wise (fund transfers)

Post Description

Hey HN, instant bank transfers are free now in Europe. So why do I still need PayPal to send someone 20 bucks? Especially when some providers share your transaction data with up to 600 companies. I just want to send money to a friend - not opt out of 600 ad partners one by one. The only annoying part: IBANs are 22+ characters and impossible to remember.

So I built iban.link. You get a short page (like iban.link/lisa) that shows your name, IBAN, and a scannable EPC QR code. Anyone can copy the IBAN or scan the QR directly with their banking app.

You can prefill amount and reference: iban.link/lisa#amount=25&ref=Pizza - uses hash fragments so the payment details never hit the server.

Stack: Bun, Hono, PostgreSQL, vanilla JS. No React, no bundler. Data encrypted at rest (AES-256-GCM).

Hope it's useful to some of you. Questions, ideas, feedback? Happy to hear it.

If you want to try it, feel free: iban.link/oliverjanssen#amount=20&ref=HN ;)

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