Deposits protected up to €100,000
Business banking that publishes its rate every morning.
One account, one rate, no tiers and no introductory period that quietly ends. Regulated as a credit institution, audited quarterly.
How the account works
Three things, stated plainly.
Today's rate
3.85% AER, variable
The same rate on the first euro and the millionth. Changes are published seven days in advance.
Today's rate
Deposit guarantee
€100,000 protected
Covered by the national deposit guarantee scheme, per depositor, per institution.
Deposit guarantee
€0/month
No monthly fee
Transfers, cards and sub-accounts included. FX is charged at the interbank rate plus 0.4%.
€0/month
3.85%
AER, variable
€0
Monthly fee
7d
Notice on rate changes
€100k
Deposit protection
Integrations
Connects to what you already run
Xero and QuickBooks
Transactions sync nightly, categorised, with the receipt attached.
Stripe and GoCardless
Settlement lands in the account directly and reconciles itself.
Open Banking
Pull balances from your other institutions into one view.
CSV and MT940
Statement exports your accountant will not complain about.
Multi-user access
Role-based permissions with dual authorisation on payments.
API access
Read balances and initiate payments, with sandbox credentials on request.
Pricing
Priced so you can work it out yourself
Sole trader
EUR 0
per month
- ✓
3.85% AER on all balances
- ✓
One user
- ✓
SEPA transfers included
- ✓
Physical and virtual cards
Company
EUR 19
per month
- ✓
3.85% AER on all balances
- ✓
Up to ten users
- ✓
Dual authorisation on payments
- ✓
Accounting integrations
- ✓
Sub-accounts for tax and payroll
Group
EUR 89
per month
- ✓
Everything in Company
- ✓
Unlimited users and entities
- ✓
Consolidated reporting
- ✓
Relationship manager
- ✓
Negotiated FX rates
“They emailed a week before the rate dropped, with the reason. Our previous bank changed it silently and we found out from the statement.”
Marta Ellison
Finance Director
Questions people ask first
Is my money protected?
Deposits are covered by the national deposit guarantee scheme up to EUR 100,000 per depositor. We are regulated as a credit institution rather than an e-money firm, which is what makes that cover apply.
How does the rate change?
We publish changes seven days before they take effect, by email and on the rates page, with the reason. There is no introductory period that quietly expires.
What does FX cost?
The interbank mid-rate plus 0.4%, with no minimum and no separate transfer fee. The figure is shown before you confirm.
How long does opening take?
About ten minutes online, and most accounts are live the same day. We need the company registration number and ID for one director.
Open an account in about ten minutes.
Company registration number and one director ID. Most accounts are live the same day.