Hey HN, instant bank transfers are free now in Europe. So why do I still need PayPal to send someone 20 bucks? Especially when some providers share your transaction data with up to 600 companies. I just want to send money to a friend - not opt out of 600 ad partners one by one. The only annoying part: IBANs are 22+ characters and impossible to remember.

So I built iban.link. You get a short page (like iban.link/lisa) that shows your name, IBAN, and a scannable EPC QR code. Anyone can copy the IBAN or scan the QR directly with their banking app.

You can prefill amount and reference: iban.link/lisa#amount=25&ref=Pizza - uses hash fragments so the payment details never hit the server.

Stack: Bun, Hono, PostgreSQL, vanilla JS. No React, no bundler. Data encrypted at rest (AES-256-GCM).

Hope it's useful to some of you. Questions, ideas, feedback? Happy to hear it.

If you want to try it, feel free: iban.link/oliverjanssen#amount=20&ref=HN ;)