Tantum vs Yoursafe
A corporate operating account — not a privacy product
Tantum and Yoursafe both appear in searches for "EEA business account," but they're built for different reasons. Tantum is the account your business runs on. Yoursafe is a privacy product. This page explains which one you actually need.
Two products that look similar from the outside
Both Tantum and Yoursafe are EEA-regulated Electronic Money Institutions offering accounts with IBANs. Both have business account products. Both can be opened online. From the outside, they look like alternatives to the same thing — but they aren't.
Tantum is a corporate operating account: the account your business uses to receive customer payments, pay suppliers, run payroll, hold balances in multiple currencies, and integrate with your accounting or treasury systems. Yoursafe is built around online privacy — its signature features are vanity IBANs (custom-text IBANs), premium and disposable IBANs, and the Yoursafe ID, all designed so users can transact without sharing personal account details. The right choice depends on which job you're actually trying to do.
What Tantum offers
Tantum is built around the operational reality of running an EEA business. Regulated by the Financial Market Authority (FMA) Liechtenstein and passported across the European Economic Area, the product is designed for businesses that need their account to handle real volume, real currencies, and real flows — not occasional transfers.
A working corporate account, end to end
A 30-person company running monthly payroll. An import business paying suppliers in three currencies. A SaaS company collecting customer subscription payments. A holding structure consolidating receipts from operating entities. These are the flows Tantum is built for — receiving, holding, sending, and reconciling money at the cadence of a working business.
That means dedicated IBANs in your company's name (not pooled account numbers), real-time balance and transaction views, mass payout runs via CSV or API, and a dedicated account manager who understands your business context rather than a generic ticket queue.
Alongside the core operating account:
Multi-currency support
EUR, USD, GBP and CHF as the current standard set, with additional currencies on request. Invoice and receive in the currency your customers use.
Dedicated IBANs across jurisdictions
Real IBANs in your company's name, with local euro IBAN formats across multiple European jurisdictions. Useful when counterparties expect a same-jurisdiction IBAN.
API-first integration
Mass payouts, real-time transaction data, and an API designed to plug into your accounting, ERP, or treasury system from day one.
FMA Liechtenstein supervision
Licensed and supervised by a long-established European regulator, EEA-passported under the EU Electronic Money Directive, with Liechtenstein's professional ecosystem around corporate and trustee structures behind it.
About Yoursafe
Yoursafe B.V. is a Dutch Electronic Money Institution, supervised by De Nederlandsche Bank (DNB). The product is built around online privacy and identity protection. The flagship YOU Account for individuals, the business account, and signature features like vanity, premium and disposable IBANs and the Yoursafe ID are all designed around a single idea: enabling users to transact without exposing personal account details.
For freelancers, privacy-conscious individuals, and small businesses where the privacy features themselves are the reason to open the account, Yoursafe is a distinctive product that other EMIs don't really compete with.
Where Tantum and Yoursafe differ
1. Product category
Tantum is a corporate operating account — built around the day-to-day flows of running an EEA business: payroll, supplier payments, customer receipts, multi-currency operations.
Yoursafe: positioned as an online-privacy product, with vanity, premium and disposable IBANs and the Yoursafe ID as signature features. Different product, different reason to open it.
2. IBAN structure
Tantum issues standard dedicated IBANs in your company's name — the kind of IBAN counterparties, auditors, and regulators expect to see on invoices and statements.
Yoursafe: offers Dutch IBANs including vanity (custom-text) and disposable variants. These privacy-focused IBAN features don't have a Tantum equivalent because they address a different product need.
3. Currencies and jurisdictional reach
Tantum supports EUR, USD, GBP and CHF as standard, with additional currencies on request, and issues euro IBANs across multiple European jurisdictions.
Yoursafe: business accounts can be set up in EUR, USD and GBP, with Dutch IBANs as the underlying jurisdiction for all account holders.
4. Pricing structure
Tantum offers indicative tier-based pricing tailored to risk classification, with reference rates available on request. Designed for businesses that want a predictable fee envelope at operational volume.
Yoursafe: publishes a per-transaction fee schedule on its business price chart, including incoming payment fees that scale with transfer size and currency, wire transfer fees, account inactivity fees, and add-ons for vanity or premium IBANs. Businesses processing meaningful volume should model expected usage against the published rates.
Use cases: who actually opens which account
The clearest way to choose is to look at what kind of buyer each product is built for.
An SME running operations across Europe
Receiving customer payments, paying suppliers in multiple currencies, running monthly payroll, working with an accountant who wants clean dedicated IBANs on every transaction. Multi-currency and operational scale matter; privacy features don't.
→ Tantum.
A holding or trustee structure
Consolidating receipts from operating entities, paying advisors and service providers, managing balances across EUR, USD, GBP and CHF, working with auditors and compliance officers who need a clear regulatory framework.
→ Tantum.
A freelancer who values online privacy
Wants to share an account detail with clients or platforms without exposing their main account, values vanity IBANs as part of an online identity, transacts at low volumes where per-transaction fees are manageable.
→ Yoursafe.
A small business buying privacy as a product feature
The reason for opening the account is specifically the privacy and identity-protection layer — disposable IBANs, Yoursafe ID. The business doesn't process material transaction volume or need multi-jurisdictional IBANs.
→ Yoursafe.
At a glance
Details about Yoursafe taken from Yoursafe's own public website, business account page, and business price chart, accurate as of the publication date. Verify current terms directly with Yoursafe before deciding.
A corporate operating account, built for how your business actually works
Open a Tantum corporate account with multi-currency support and dedicated IBANs across multiple European jurisdictions — regulated by the FMA Liechtenstein, with EEA passporting.
Frequently asked questions
What's the real difference between Tantum and Yoursafe?
They're different categories of product. Tantum is a corporate operating account designed for the day-to-day payment flows of EEA businesses — payroll, supplier payments, customer receipts, multi-currency operations. Yoursafe is a privacy-led account product, with signature features like vanity, premium and disposable IBANs and the Yoursafe ID, built so users can transact without sharing personal account details. Most buyers who need both should ask themselves which one is the core need: a working account for the business, or a privacy layer for online transactions.
Does Tantum support vanity or disposable IBANs?
No. Tantum issues standard dedicated IBANs in your company's name — the kind of IBAN counterparties, accountants, auditors, and regulators expect to see on invoices and statements. Vanity IBANs (custom-text IBANs) and disposable IBANs (single-use account numbers) are privacy-product features that Yoursafe offers as part of its category. If they are a core need, Yoursafe addresses that specific use case.
Who is Tantum built for, compared to Yoursafe?
Tantum is built for EEA companies that need a regulated account to operate the business — to receive customer payments, pay suppliers, run payroll, hold balances in multiple currencies, and integrate with accounting or treasury systems. Typical Tantum buyers are SMEs, holdings, international operating companies, and businesses with more complex requirements alongside traditional companies that simply want their payments to work. Yoursafe is built around privacy and identity protection for individuals, freelancers, and small businesses where the privacy features themselves are the reason for opening the account.
What currencies and IBANs does Tantum offer?
Tantum corporate accounts support multi-currency operations, with EUR, USD, GBP and CHF as the current standard set and additional currencies on request. Dedicated euro IBANs are issued across multiple European jurisdictions, with a Swiss franc IBAN in Liechtenstein. Yoursafe issues Dutch (NL) IBANs to its account holders, including its vanity and premium variants.
Is Tantum a regulated EMI?
Yes. Tantum AG is an Electronic Money Institution licensed and supervised by the Financial Market Authority (FMA) Liechtenstein, with passporting rights across the European Economic Area. Tantum is not a bank and does not accept deposits or provide lending; accounts are e-money accounts under the EU E-Money Directive.
Tantum AG is a regulated e-money institution under the supervision of the FMA Liechtenstein. Tantum does not offer banking services or bank accounts as defined by Liechtenstein or EU banking law; all accounts referred to are e-money accounts used for payment services under the E-Money Directive. Tantum is not authorised to accept deposits or provide lending.
This page contains a comparison with another payment institution. The content of this page has not been reviewed or approved by Yoursafe B.V.. All statements about Yoursafe B.V. are drawn from publicly available information on their own website and may not reflect their current offering — please verify directly with the provider before deciding.