IBOS banks perfom two roles, the first one being to bring the service to their clients through their Relationship Managers and Transaction Banking advisers.

The second role is out the payment and cash management services in their own country at the disposal of the clients of the other IBOS banks - it is two-way flow of referrals.

Each bank becomes a part of the other bank's international network, enabling the bank to service its clients over a wide geographical area but through one channel and to a high service level.

IBOS' organisation is currently twelve member banks, supplemented with the full-banking subsidiaries of the members. The subsidiaries are termed Associates.

Where the members have further banking operations where the full IBOS service may be inhibited by regulation, there is a status of Additional Bank - certain services are available but not the full set.

In total this adds up to a large geographical coverage under one roof.