| Traditional Bank | ipagoo | |
| Accounts | ||
| Account number (IBAN and BIC) | check | check |
| Accounts in multiple currencies | check | check |
| Accounts in multiple countries | block | check |
| Payments | ||
| Bank transfers | check | check |
| Standing orders | check | Late 2017 |
| Direct debits | check | Late 2017 |
| Conditional transfers | block | Early 2018 |
| Conditional standing orders | block | Early 2018 |
| Instant cross border transfer, own accounts same currency | block | check |
| Instant cross border transfer, own accounts different currency | block | check |
| Mobile payment authorisation | block | check |
| Multi currency | check premium accounts only | check |
| Multi country | block | check |
| Cheques | check | block |
| Wallets | ||
| Multi currency wallets | block | Early 2018 |
| Currency Exchange | ||
| Instant among own accounts | block | check |
| Transfers in any currency | block | check |
| Cards | ||
| Debit cards | check | check |
| Multi currency debit cards | block | check |
| Cash Management | ||
| Expense limits | check | Available by the end of 2017 |
| Balance level notifications | block | Available by the end of 2017 |
| Cash pooling | block | Available by the end of 2017 |
| Multi User | ||
| Addition of users on selected accounts | check | Available by the end of 2017 |
| Joint approval on mobile and online | block | Available by the end of 2017 |
| Approval delegation | block | Available by the end of 2017 |
| Access | ||
| Branches | check | block |
| Online | check limited functionality | Early 2018 |
| Mobile | check rarely (limited functionality) | check |
| Mobile Payments | ||
| Mobile app for transaction management | block | check |
| Mobile app for payments and budget control | check rarely (limited functionality) | check |
