Cash Pooling with IBOS - Smarter Liquidity, Seamless Control
IBOS enables banks to deliver advanced, cross-border liquidity solutions that give multinational clients real-time visibility, centralised control, and operational efficiency, without requiring physical presence in each market.
Effortless Euro Liquidity Across Borders
IBOS Member Banks can centralise Euro balances across multiple jurisdictions, giving corporate clients a unified view of liquidity and full treasury control.
Cross-border zero balancing ensures liquidity moves precisely where it’s needed – quickly, securely and without geographic limitations. With coordinated governance, secure messaging and local account access, businesses can:
Aggregate surplus funds across markets
Minimise idle balances and improve efficiency
Optimise working capital with transparent, real-time oversight
Same-Day Zero Balancing. Instant Liquidity, Global Reach
The solution enables banks to consolidate Euro balances within the same day across participating countries. This ensures multinational clients can access their pooled funds in real time, supporting rapid decision-making, improved cash utilisation and seamless treasury operations.
Same-day zero balancing delivers the speed and responsiveness global finance teams need, without requiring a physical footprint in each market.
D-Zero Cash Pooling for Modern Treasury Teams
D-Zero allows banks to offer corporate clients automated, cross-border Euro cash pooling without triggering physical fund transfers. This creates a highly efficient, compliant and cost-effective liquidity structure. With D-Zero, multinational businesses gain a streamlined liquidity framework that adapts to global treasury needs and enhances overall financial performance.
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Centralised visibility of Euro balances across jurisdictions
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Automated pooling that prevents idle cash
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Improved working capital efficiency with robust governance
Explore how your organisation can implement D-Zero cash pooling to optimise liquidity and enhance treasury performance.
D-Zero Reporting, Real-Time Clarity Across Borders
Delivering accurate, same-day balance transaction reporting across all Member Banks. This unified reporting layer enhances multinational client delivery with complete oversight of transactions and transfers, enabling faster reconciliations, stronger risk management and informed treasury decisions.
The IBOS Portal
A unified digital platform enables advanced cash pooling with seamless coordination, real-time visibility, and secure data exchange across jurisdictions. Everything is managed through a single trusted interface designed to simplify global banking operations.
A Global Banking Alliance Enabling Seamless Cross-Border Cash Management
IBOS Association is an international network of banks working together to deliver coordinated, compliant and connected cross-border banking services. Through shared standards, trusted relationships, and secure digital connectivity, IBOS enables its member banks to provide multinational clients with efficient and transparent cash-management capabilities worldwide.
Your Guide to D‑Zero Cash Pooling
Learn how D-Zero helps banks enhance client offerings and strengthen their competitive edge internationally.
Become a Member, Deliver D-Zero.
Join IBOS to offer clients streamlined Euro cash pooling with coordinated governance, same-day liquidity centralisation and integrated global service delivery.
