Deposits

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Best practices

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Title and Subtitle

Display a clear title and subtitle that communicates the payment method’s benefits.

• Suggested implementation:

  • Title: “Instant bank transfer”

  • Subtitle: “Add funds securely and directly from your bank account.”

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Bank Logos

Show logos of popular banks to build trust and familiarity.

• Suggested implementation:

  • Include the logos of the most popular banks in the region.

  • Download bank logos

• Bank logo alternatives: If the bank logos don’t match your existing UI, try one of these alternatives:

  • Icon

    • A lightning bolt icon for Instant bank transfer (emphasises speed/convenience)

    • If you don’t offer other bank transfer options, a simple bank icon works well for Instant bank transfer

  • Geographic Indicators

    • EU flag for Euro payments

    • UK flag for GBP payments

  • Download non-bank logo assets

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Default positioning

Position Instant bank transfer as the default and primary payment option.

• Suggested implementation:

  • Place Instant bank transfer as the first payment option in your list

  • Pre-select it by default if possible

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Recommended label

Add visual indicators to help guide users toward the recommended option.

• Suggested implementation:

  • Add a “Recommended” label next to Instant bank transfer

  • Use consistent styling with other UI elements in your payment flow

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Educational tooltip

Add a tooltip icon next to Instant bank transfer that shows key information on hover/tap.

• Short version:

  • “Select your bank, authorise the transfer using your bank’s security, and we’ll bring you back automatically to complete your deposit.”

• Long version:

  • “1 · Select your bank Choose from our list of supported banks - all major banks are available

  • 2 · Approve payment We’ll safely redirect you to authorise the transfer in your bank’s secure environment

  • 3 · Receive funds In most cases, the funds are transferred immediately after approval”

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Payment method comparison labels

When presenting multiple payment methods, clear labels help users quickly understand the benefits and limitations of each option. By consistently labeling key attributes across payment methods, you enable users to make informed decisions based on what matters most to them.

• Suggested labels:

  • Speed: “Instant” vs e.g. “3-5 Business days”

  • Cost: “Free” vs e.g. “3% Fee”

  • Limit: “No limit” vs e.g. “10K weekly limit”

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Dynamic CTA

Set clear expectations about the next step by adding a dynamic CTA when Instant bank transfer is selected

• Suggested implementation:

  • On the final page before redirecting to Ivy, label the CTA “Continue to select your bank”

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Bank selection implementation: Two options

There are two ways to implement Ivy deposits in your checkout: You can either use Ivy’s bank selection interface, or host this step yourself within your checkout flow. While self-hosted bank selection creates a more seamless experience, it requires additional development resources and ongoing maintenance. Most merchants start with Ivy’s interface and consider self-hosting as their volumes grow.

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Option 1: Ivy-hosted bank selection

Redirect users to Ivy’s optimised interface. This provides a secure, continuously updated experience with minimal development effort.

• Benefits:

  • Easiest and quickest implementation

  • New banks and features are automatically available without any development work on your side

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Option 2: Self-hosted bank selection

Instead of redirecting users to Ivy for bank selection, you can integrate this step directly into your checkout flow. This creates a more seamless experience but requires additional development resources.

• Benefits:

  • By keeping users within your branded environment, you create a more native checkout experience that feels like a natural part of your product

  • Users can also confirm their bank is supported before starting the payment process, reducing drop-offs and creating a more confident user journey

  • ⚠️ Note: Custom bank selection requires ongoing maintenance to stay current with Ivy’s bank coverage. Consider this option only if you can commit development resources to regular updates.

• Suggested implementation:

  • Search

    • Include a prominent search bar at the top

    • Enable searching by both bank name and branch name, showing results as the user types

    • Return both main banks and branches in search results

    • Ensure the search is forgiving of typos and partial matches

  • Top banks list

    • Feature the most popular banks in a prominent grid at the top of the list

    • Use recognisable bank logos with bank names below

  • Market selector

    • Default to the user’s current market, and provide a clear dropdown to change markets when needed

  • Bank grouping

    • Implement a two-level approach for banks with multiple branches (e.g. Sparkasse)

    • Show main bank on the first level, and display specific branches only after the parent bank is selected

    • This reduces cognitive load by showing only relevant options

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Advanced implementation options

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Pre-select bank for returning users

Make bank payments feel familiar and faster for returning users.

Suggested implementation:

• Pre-populate the most recently used bank when a returning user initiates a deposit

• Display the bank logo and last 4 digits of the account number for easy recognition

• Provide a clear way for users to change their payment method if desired

• Consider migrating existing customers’ bank account data to Ivy before launch to leverage Remember Me from day one

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User incentives

Offer rewards for first-time payments to encourage adoption. Once users experience the speed and convenience of Ivy payments, they’re more likely to choose it for future transactions.

• Suggested implementation:

  • Display incentive offers prominently at payment method selection

  • Clearly communicate the reward value and how to claim it

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Rollout planning

We recommend first launching in Germany, Netherlands and the UK before following a controlled and phased rollout approach across Europe. Based on our experience, the first two weeks is important to monitor performance, optimise the integration and ensure that your internal workflows are performing as expected.

If you are also integrating with our withdrawal solution, we also recommended launching the Closed Loop Payouts product at the same time as deposits. This is so that your customers have the ability to receive withdrawals via the same payment method that they paid in.

For a more granular rollout plan, please speak to your Ivy Integration Manager.

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Translations

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Title and subtitle

	Title	Subtitle
English	Instant bank transfer	Add funds securely and directly from your bank account.
Deutsch	Echtzeit-Überweisung	Geld sicher und direkt von Ihrem Bankkonto einzahlen.
Nederlands	Directe bankoverschrijving	Stort veilig geld direct vanaf uw bankrekening.
Svenska	Direkt banköverföring	Sätt in pengar enkelt och direkt från ditt bankkonto.
Français	Virement instantané	Approvisionnez votre compte directement depuis votre banque, en toute sécurité.
Italiano	Bonifico istantaneo	Deposita denaro in modo sicuro direttamente dal tuo conto.
Español	Transferencia inmediata	Ingrese dinero segura y directamente desde su cuenta bancaria.
Português	Transferência imediata	Adicione dinheiro de forma rápida e segura da sua conta bancária.
Polski	Przelew natychmiastowy	Wpłać środki szybko i bezpiecznie prosto z Twojego konta.
Slovenčina	Okamžitý prevod	Vložte peniaze bezpečne a rýchlo priamo z Vášho účtu.

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Educational tooltip

	Short tooltip
English	Select your bank, authorise the transfer using your bank’s security, and we’ll bring you back automatically to complete your deposit.
Deutsch	Wählen Sie Ihre Bank aus, bestätigen Sie die Überweisung mit Ihrem Bank-Login, und Sie werden automatisch zurückgeleitet, um Ihre Einzahlung abzuschließen.
Nederlands	Selecteer uw bank, bevestig de overmaking via uw bank’s beveiligingsmethode, en u wordt automatisch teruggebracht om uw storting te voltooien.
Svenska	Välj din bank, godkänn överföringen med din banks säkerhetslösning, och du kommer automatiskt tillbaka för att slutföra din insättning.
Français	Sélectionnez votre banque, autorisez le virement via l’authentification de votre banque, et vous serez automatiquement redirigé pour finaliser votre dépôt.
Italiano	Seleziona la tua banca, autorizza il bonifico utilizzando il sistema di sicurezza della tua banca, e verrai reindirizzato automaticamente per completare il deposito.
Español	Seleccione su banco, autorice la transferencia mediante el sistema de seguridad de su banco, y le devolveremos automáticamente para completar su depósito.
Português	Selecione o seu banco, autorize a transferência usando o sistema de segurança do seu banco, e será redirecionado automaticamente para concluir o seu depósito.
Polski	Wybierz swój bank, zatwierdź przelew za pomocą zabezpieczeń swojego banku, a my automatycznie przekierujemy Cię z powrotem, aby dokończyć wpłatę.
Slovenčina	Vyberte Vašu banku, autorizujte prevod pomocou zabezpečenia Vašej banky, a automaticky Vás vrátime späť na dokončenie vkladu.

	Long tooltip
English	1 · Select your bank
Deutsch	1 · Bank auswählen
Nederlands	1 · Selecteer uw bank
Svenska	1 · Välj din bank
Français	1 · Sélectionnez votre banque
Italiano	1 · Seleziona la tua banca
Español	1 · Seleccione su banco
Português	1 · Selecione o seu banco
Polski	1 · Wybierz swój bank
Slovenčina	1 · Vyberte Vašu banku