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Virtual Account Management platform

Enabling banks to deliver a real-time liquidity overview to corporate customers, with associated benefits of accelerated settlement and immediate availability of funds

Future-proof your business

Become the bank of choice for corporate clients, by offering market-leading virtual account management across key market segments. Our solution offers a simple way to self-service virtual accounts, with the benefit of being able to add multiple cases on a single platform.

An intuitive interface offers a unique user experience, and new services can be launched easily without the need to change your legacy systems. Tieto Virtual Account Management (VAM) platform provides automatic compliance with regulatory requirements, increases customer retention and offers new business opportunities.

Petri Syvänne

Head of Sales and Business Development, Payments & Cash Management


Single platform

Multiple cases can be created within a single platform, offering greater agility. VAM provides opportunities for value-added services and increased revenue streams, with a reduced time-to-market.


State-of-the-art services

Enhanced operational efficiency and an exceptional customer experience is delivered through a functional and flexible user interface, increasing customer satisfaction and decreasing attrition rates.


Integrated compliance

The pressure of meeting changing regulatory requirements is reduced, through the nature of the solution.

Digital Revolution in Treasury

Download the whitepaper and find out how banks can address the rapidly changing needs of their corporate clients by leveraging benefits of instant payments, open banking and virtual account management.

Download whitepaper

Key features

Virtual Cash Management (VCM)

VCM improves liquidity management and enables corporations to lower liquidity risk and reduce costs. VCM improves cash visibility and reconciliation, and rationalises the number of physical accounts. Improved efficiencies are gained through factory models and the allocation of virtual accounts.

In-House Bank (IHB)

Sophisticated and centralised in-house banking, with cash management and treasury services that enhance working capital management, improve visibility and mitigate risk. IHB increases efficiency and control while reducing costs, with currency and cash positions viewed in real time.

Client Money Management (CMM)

Asset managers, fund providers, lawyers and estate agents can manage cash on their clients' behalf through one real account. The number of real accounts is reduced, instead allocating multiple virtual accounts to reflect the business operation, reducing administration costs.

Payment Service Provider (PSP)

Large global banking networks can be accessed through VAM, for payments and receivables, to avoid large capital costs and increase automation and efficiency. Pricing models are based on high transaction, volumes and FX sharing models. Risk exposure can be reduced through bank-based features.

In the spotlight

How do virtual accounts work?

Virtual accounts are a set of off-balance transaction accounts linked to a physical bank account, used for cash liquidity management.

Watch now

VAM: the minimum viable proposition

When it comes to corporate liquidity and treasury management, the banks have one thing in common. The need for speed

Read blog

Fast, effective relief from the pain of reconciliation

Getting paid is crucial, irrespective of business size. As is assigning payments to the correct accounts and knowing your cashflow.

Read blog

Tieto Virtual Account Platform demo

Tieto VAM platform enables banks to deliver a real-time liquidity overview to corporate customers.

Watch the demo

Corporate treasury management: meeting expectations

Corporate Treasury departments need an instant view of their cash positions in order to monitor working capital and risk more efficiently.

Read blog
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