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Aion Bank
Belgian digital bank. UniCredit bought it in March 2025. Still a bank.
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6.9Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Aion Bank is not a bank. Your money sits with Aion Bank SA/NV — UniCredit group (confirm live brand on the statement).
If it fails?
Belgian deposit guarantee up to €100,000 on eligible deposits at the credit institution
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Subscription-style packs historically — confirm live UniCredit tariff
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.9
/10 · Mixed
Aion was a Belgian bank. UniCredit closed the purchase of Aion Bank and Vodeno on 7 March 2025. That is an acquisition, not a graveyard tomb. Confirm the name on the IBAN. Do not open it from India.
What it is
Aion Bank SA/NV grew out of Banca Monte Paschi Belgio, rebranded 2019, sold a subscription digital bank plus BaaS via Vodeno. UniCredit paid €376m for both. The live consumer site now sits with UniCredit Belgium. This desk keeps the Aion name because that is what people search.
Best for: Belgium residents who already hold the Aion / UniCredit digital IBAN and want to know the licence survived.
Last checked 2026-08-28. Not advice.
What it does well
- +Credit institution
- +€100k scheme
- +Acquisition is not a wind-down
- +SEPA IBAN
What to watch
- −Brand is in transition
- −Subscription history annoyed users
- −Not a travel FX winner
- −Support during migration
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- Personal · business current
- Partner bank
- Aion Bank SA/NV — UniCredit group
- Minimum balance
- €0
- Lowest monthly fee
- Confirm live UniCredit tariff
- Who can open
- Belgium residents (and live EU markets)
- Availability
- Belgium and select EU
How money actually moves
- Who holds the cash
- Issued / held via Aion Bank SA/NV — UniCredit group (confirm live brand on the statement)
- How money moves
- IBAN / SEPA
- Built for
- Personal · Business
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Aion Bank lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Belgian deposit guarantee up to €100,000 on eligible deposits at the credit institution
Who holds the money: Aion Bank SA/NV — UniCredit group (confirm live brand on the statement)
- NBB / ECBBelgian credit institution (now UniCredit group) · Belgium
Fees
- Monthly
- Subscription-style packs historically — confirm live UniCredit tariff
- FX markup
- Bank tariff
- ATM
- Pack-dependent
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Belgian IBAN
- App-first current account
- BaaS heritage (Vodeno)
- Now UniCredit-owned
Score
- Safety25%
- 8.0
- Fees20%
- 6.8
- Features15%
- 7.0
- App15%
- 7.2
- Global15%
- 5.2
- Support10%
- 6.2
Change log
Full logStatus
UniCredit closed the purchase of Aion Bank and Vodeno
Belgian credit institution acquired, not wound down. Confirm the live brand on the IBAN. Still a bank.
Straight answers
FAQ
01Is Aion Bank a bank?
Aion Bank is not a licensed deposit-taker in the classic sense. Money, if any, sits with Aion Bank SA/NV — UniCredit group (confirm live brand on the statement).
02How is money protected?
Belgian deposit guarantee up to €100,000 on eligible deposits at the credit institution
03Where is Aion Bank available?
We list 3 markets on NeoBankDB. Residency and onboarding rules still sit with Aion Bank.
04Card and wallets?
Aion Bank lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Aion Bank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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