SUPER APP Spend, save, send, invest, travel & live

One app.
Your whole financial life.

From paying rent to booking a flight, splitting a bill to buying concert tickets — AORO Money does it all. With AI that knows your money better than you do.

Get the app — it's free See plans
3.2M+
Active users
30+
Currencies
€24B+
Processed yearly
4.9★
App Store rating
AORO
Standard
•••• 4521
J. Miller
AORO
Black
•••• 8842
J. Miller
Cashback earned
+€18.42
Sent in 0.3s
€340 → Sarah
Ticket booked
Coldplay · LA
JM
Good eveningJames
TOTAL BALANCE
AORO
€18,247.32
+€720 this month
Send
Add
Swap
More
Recent See all
Spotify Premium
Today · 18:42
−€9.99
Bluebird Cafe
Today · 13:20
−€34.50
Salary · TechCo
Mar 28 · 09:00
+€4,200.00
PREMIUM · ELITE · BLACK For those who expect more

Built for everyone.
Designed for the few.

AORO Premium, Elite, and Black aren't upgrades — they're a different kind of relationship with money. Metal cards, AMEX paired, unlimited lounges, dedicated banker, concierge that actually picks up.

Discover Elite Request Black invitation
1,400+
Lounges worldwide
24/7
Concierge access
3.0%
Cashback on Black
22g
Engraved metal
AORO × AMEX
•••• 1108
J. Miller Centurion
AORO
Black
•••• •••• •••• 8842
J. Miller
METAL · 22g
Lounge accessJFK · Centurion lounge
Concierge confirmedNobu · 8pm · table for 2
For everyone
30+ currencies in one account
Free FX up to €1,000/mo
AI that saves you €300+/month
Up to 4.5% AER on savings
1,400+ airport lounges
Buy concert tickets in-app
Family & kids accounts
Apple Pay & Google Pay
Free worldwide ATM
Open in 5 minutes
30+ currencies in one account
Free FX up to €1,000/mo
AI that saves you €300+/month
Up to 4.5% AER on savings
1,400+ airport lounges
Buy concert tickets in-app
Family & kids accounts
Apple Pay & Google Pay
Free worldwide ATM
Open in 5 minutes
By the numbers

Built by millions, trusted by all.

From your first euro to your hundredth international transfer — we move money for people in 42 countries, every second of every day.

3.2M+
Happy customers
Across 42 countries worldwide
€24B
Processed yearly
In transfers, exchanges, and card spend
€280M
Saved in fees
By our customers vs. traditional banks
99.99%
Uptime
Always-on access, day or night
Home

The center of your money.

Total balance, every wallet, AI insights, and quick actions — all on one screen. Open the app and you already know everything.

Everything that matters,
at a glance.

Total balance across all currencies. Quick actions for every move. AI that tells you where your money went and what to do next. No friction, no clutter.

Total Balance

All wallets combined, in your home currency.

Quick Actions

Send, swap, request, split — all one tap away.

AI Insights

"You spent 18% less this week" — daily wins.

Financial Score

Track your money health in real time.

Open the app
JM
James Miller Welcome back
AORO
TOTAL BALANCE
€18,247.32
€ 12,420 $ 4,210 £ 1,100 +5
Send
Add
Swap
Tickets
AORO AI · Insight
You can save €312/month by switching to a yearly Spotify plan and skipping 4 unused subscriptions.
Spotify Premium
−€9.99
Salary · TechCo
+€4,200
Bluebird Cafe
−€34.50
Accounts & Wallets

Multi-currency,
smart by default.

Hold 30+ currencies in dedicated wallets. Split your salary into sub-accounts. Automate your savings. It's banking, but it actually thinks.

€
EUR · Euro
12,420.00
Available+0.4% today
$
USD · US Dollar
4,210.50
Available+0.2% today
£
GBP · British Pound
1,100.00
Available+0.1% today
L
RON · Leu
3,840.00
Available+0.3% today
₣
CHF · Swiss Franc
980.00
Available+0.1% today
¥
JPY · Japanese Yen
142,000
Available−0.2% today
Add currency
24+ more available
All wallets
TOTAL VALUE
€18,247.32
8 currencies · auto-converted

Savings Vaults

Earn up to 4.5% AER. Round-ups, goal tracking, and locked vaults for higher rates.

Travel Wallet

Pre-load currencies before your trip. Lock in rates. Track holiday spend separately.

Shopping Wallet

Set a monthly limit. Get warnings before you overspend. Cashback lands here.

Emergency Fund

Lock it away with a 24-hour withdrawal delay. Earns interest. Protects future-you.

Tax & VAT

Auto-calculate and stash a % of every income. Self-employed will love this.

Bills Wallet

Reserve cash for rent, utilities, subs. We pull from here on auto-pay days.

Set it once. Forget about it.

Smart automations that move money where it needs to go — automatically, on payday, on every swipe, every week.

Salary split
Auto-allocate your paycheck

50% to spending, 20% to savings, 15% to bills, 10% to investing, 5% to fun. Or your own ratio.

Round-ups
Save the change, every time

Round every purchase to the nearest euro. The change goes straight to your chosen vault.

Custom rules
If this, then that

"If I spend at restaurants, send €5 to my Bali fund." Build the rules that fit your life.

Cards

One card.
Endless control.

From a free virtual card to ultra-premium black metal — pick the one that fits your life. All come with cashback, instant freeze, real-time alerts, and military-grade security.

Standard
AORO
VIRTUAL
•••• 4521
Free virtual card from day one.
  • Free virtual + physical
  • 0.5% cashback
  • Apple Pay & Google Pay
  • Instant freeze
Plus
AORO
PLUS
•••• 7204
For everyday spenders.
  • 1.0% cashback
  • Free FX €3,000/mo
  • Per-merchant cards
  • Geo restrictions
Premium
AORO
PREMIUM
•••• 3392
Travel + perks bundle.
  • 1.5% cashback
  • Lounge access (12/yr)
  • Travel insurance
  • Free eSIM 5GB
Elite
AORO
ELITE
•••• 0177
Luxury metal + AMEX paired.
  • 2.0% cashback
  • Unlimited lounges
  • AMEX paired card
  • Hotel upgrades
Black
AORO
BLACK
•••• 8842
Ultra premium · by invitation.
  • 3.0% cashback
  • AMEX Black included
  • Concierge 24/7
  • Engraved metal

Total control,
in your pocket.

Freeze your card with one tap. Set a daily limit for online vs ATM. Block specific merchants. Turn on geo-restrictions when traveling. AORO puts you in charge of every euro.

Freeze / Unfreeze
Daily limit
Per-merchant
Geo restriction
Online toggle
ATM toggle
Travel mode
Real-time anti-fraud
Card · •••• 4521
Online payments
ATM withdrawals
International use
Contactless
Subscriptions
Freeze card
The Premium Experience

Three worlds.
One philosophy.

Premium, Elite, and Black aren't tiers in a list — they're complete experiences. Each one is built around how you actually live, travel, and spend.

Premium

Travel-ready,
perks included.

For people who fly often, eat out frequently, and want their card to actually do something for them.

AORO
PREMIUM
•••• 3392
1.5% cashback on everything
12 lounge entries per year
Travel insurance built in
5 GB free eSIM each month
Family · up to 3 kids
Priority support
€9 /mo
Choose →
Elite · Most Loved

Luxury, but
every day.

For people who fly business, dine well, and want to skip every line. Metal card, paired AMEX, concierge, and unlimited lounges — across 1,400+ in over 140 countries.

AORO
ELITE · METAL
•••• 0177
2.0% cashback on everything
Unlimited lounges · global
AMEX paired card · included
Hotel upgrades at top chains
Concierge service 24/7
Family · up to 5 kids
Fast-track at airports
€25 /mo
Choose →
Black · Invitation only

The card
that opens doors.

For our top customers. Engraved metal, AMEX Black included, dedicated banker, private events. We don't advertise this one — it finds the right people.

AORO
BLACK · ENGRAVED
•••• 8842
3.0% cashback on everything
AMEX Black included
Engraved metal · 22g
Dedicated banker on call
Private AORO events
Limitless on every feature
Bespoke perks · curated for you
By invitation
Request →
Payments

Send money
any way you want.

Username, phone number, QR, payment link, or IBAN. Split bills in chat. Schedule recurring transfers. Request money in seconds.

@username

Send to a tag

Phone

From your contacts

QR scan

Tap & pay

Payment link

Share anywhere

IBAN

Classic transfer

Smart payments, automated.

Set it once and let AORO handle the rest. Recurring transfers, scheduled payments, split bills, payment requests — all automatic.

Split bills automatically (everyone tags their cost)
Request money with one tap
Recurring transfers (rent, savings, kids)
Scheduled payments — pay later, set today
Reminders for who owes you what

Social payments.

Pay your friends in a chat. Share group expenses. Send a tip. Money should feel as easy as a text.

FX Exchange

Real rates,
real time.

No spread, no markup, no surprises. Convert 30+ currencies at the mid-market rate. Set rate alerts. Auto-convert when you hit your target.

Instant exchange

Swap currencies in 0.3 seconds. No waiting. No "processing".

Live mid-market rate

The rate banks use between themselves. No hidden margin.

Rate alerts

Set a target. We ping you when EUR→USD hits 1.10.

Auto-convert

"Convert €500 to USD when rate is 1.10 or better." Done while you sleep.

Conversion optimization

AI suggests the best moment and route to convert, every week.

Quick exchange

Live rate
From
€
To
$
1 EUR = 1.0842 USD Mid-market
Fee FREE
Speed Instant
Exchange 1,000.00 EUR

Active rate alerts

Set a target rate, get a notification the second it hits — or auto-convert it for you.

EUR → USD
Currently 1.0842 · Target 1.10
Triggers at 1.1000
GBP → EUR
Currently 1.1904 · Target 1.20
Triggers at 1.2000
USD → JPY
Currently 157.32 · Target 160
Auto-convert at 160.00
Analytics

Where did it all go?

Every category, every trend, every subscription — visualized. Set budgets that actually stick. Stop wondering. Start understanding.

Spending breakdown

March 2026
€2,847
vs €3,124 last month · −8.9% nice work
Food & dining
€620
Transport
€340
Shopping
€480
Bills & utilities
€890
Entertainment
€280
Health & wellness
€140
Active subscriptions
Spotify PremiumMonthly · 4 Apr
€9.99
NetflixMonthly · 12 Apr
€15.99
iCloud 200GBMonthly · 18 Apr
€2.99
Gym membershipMonthly · 1 Apr
€39.00
Amazon PrimeYearly · Sep 14
€69.90
March budget
€2,847
of €4,200 budget
AORO AI

The first AI
that earns you money.

AORO AI watches your money like a hawk and tells you what to do — in plain English. Hidden subscriptions, better moments to convert, leaks in your budget. Average user saves €312/month.

"Where did your money go?"

Every euro tracked, categorized, and explained. No more end-of-month confusion.

Smart recommendations

"Switch to a yearly plan and save €60." "This subscription hasn't been used in 3 months."

Predictive insights

Forecasts your end-of-month balance based on past patterns. Spots overspending early.

Auto-management

AI moves your money automatically — to savings, between currencies, away from waste.

Just ask

"How much did I spend on coffee this month?" "Can I afford that holiday?" Get answers, instantly.

Money leak

You haven't opened NetflixUltra HD in 47 days. Cancel and save €19.99/mo?

Optimization

Swap your EUR → USD now: rate is 2.4% above 30-day average.

+€48 saved
Win

You spent 18% less on takeout this week. That's €42 back in your pocket. 🍔

Prediction

At your current pace, you'll end March with €1,820 in savings — €280 over your goal.

Family & Kids

Money, but for the whole family.

Shared wallets, kids' debit cards, allowances on autopilot, and chore-based rewards that teach financial sense. Built for modern households.

Raise kids who get money.

A debit card built for ages 6–17, with parental controls, tasks-as-allowance, savings goals, and gamified financial education.

👨‍👩‍👧 Up to 5 kids
🎯 Goal tracking
🪙 Tasks = money
🛡️ Full controls
📚 Lessons
EM
Emma · Junior
Age 11 · Card •••• 0421
Emma's balance
€42.50
This week's tasks
Clean the room
+€5.00
Walk the dog (3x)
+€7.50
Read 30 minutes
+€3.00
Help with groceries
+€4.00

Shared wallets

One account, multiple cards. Track household spend, split bills, never argue about who paid for groceries again.

Kids accounts

Debit card for ages 6–17. You set spending limits, block categories, and approve big purchases — they learn freedom with guardrails.

Financial education

In-app lessons, quizzes, and savings challenges. Kids earn badges as they go — it's like Duolingo but for money.

Travel

Travel like you own the world.

From the moment you book to the moment you land — AORO upgrades every step. Lounges, eSIMs, insurance, fast-track, hotels. All in one place.

Premium perks, built in.

Unlimited airport lounges, free eSIM in 200+ countries, comprehensive travel insurance, hotel upgrades, and a concierge — all as standard on Premium and above.

✈️ 1,400+ lounges
📶 eSIM 200+ countries
🛡️ Travel insurance
🏨 Hotel upgrades
⚡ Fast track
📞 24/7 concierge
AORO BOARDING
FIRST · ELITE
LHR
London
08:40
JFK
New York
11:55
Passenger
J. Miller
Gate
B14
Seat
2A

Lounge access

Free entry to 1,400+ Priority Pass lounges worldwide. Wi-Fi, food, showers — included.

Elite & Black: unlimited

Global eSIM

Stay online in 200+ countries from the second you land. Activate from the app.

Premium: 5GB free/mo

Travel insurance

Medical, cancellation, lost luggage, delays. Covered automatically on every trip.

Up to €10M coverage

Auto-FX abroad

Pay in any currency at the real rate. We do the math, you keep the savings.

Save ~3% per swipe

Fast track security

Skip the queue at major airports. Use our partner network — no extra fee.

Elite & Black

Concierge

Need a last-minute table at Nobu? A car at midnight? We make calls so you don't have to.

24/7 · Black included
Travel Partners

Book everything,
earn on everything.

Hotels, flights, rentals, experiences — booked directly in AORO with extra cashback, exclusive perks, and one-tap cancellation.

Booking.com

Hotels & stays

+5% cashback
Airbnb

Homes & rooms

+3% cashback
Expedia

Bundles & flights

+4% cashback
Kayak

Search engine

+2% cashback
Skyscanner

Cheap flights

+2% cashback
Hertz

Car rental

+5% cashback
Avis

Car rental

+5% cashback
Tripadvisor

Experiences

+3% cashback
Mobility

Every ride, rewarded.

Pay for Uber, Bolt, public transport, and scooters with your AORO card. Get cashback on every ride, every time.

Move smart, save more.

From taxis to trains, scooters to subway — AORO works with every way you get around. Receipts auto-categorized, cashback applied automatically.

Uber

+3% cashback

Bolt

+3% cashback

Lyft

+3% cashback

Lime

+5% cashback

Tier

+5% cashback

Public

+2% cashback

Uber · Trip receipt
Live
Home21 Baker Street
Office1 Canada Square
Total · 18 min
€18.40
Paid with
AORO •••• 4521
Cashback earned +€0.55
Shopping & Lifestyle

Get paid to shop.

Personalized cashback on every brand you love. Exclusive offers from 1,000+ partners. The card that pays you back, not the other way around.

ZARA
Zara

Fashion

5% cashback
Nike

Activewear

4% cashback
a
Amazon

Everything

2% cashback
Apple

Tech & gear

3% cashback
SEPH
Sephora

Beauty

6% cashback
H&M
H&M

Fashion

4% cashback
UQ
Uniqlo

Basics

5% cashback
IKEA
IKEA

Home

3% cashback
Food & Daily

Eat well, earn well.

From Sunday brunch to Tuesday takeout — every meal, every coffee, every bite earns you something back.

Food delivery

Order in from your favorite delivery apps and earn cashback on every meal. Late-night cravings have never paid off so well.

Uber Eats
Deliveroo
Glovo
Wolt

Restaurants

Pay your bill, split it with friends, earn rewards. Special perks at curated AORO Picks restaurants — priority booking and chef's specials.

OpenTable
TheFork
Resy

Local perks

Independent cafes, neighborhood markets, and local favorites — discover and pay with built-in offers from businesses near you.

2,400+ local partners
Updated daily
Events & Experiences

From everyday to once-in-a-lifetime.

Concerts, festivals, sports, theatre, cinema — buy tickets in-app, store them in your wallet, and walk in with your phone. Premium members get early access and VIP upgrades.

Concerts

Coldplay, Taylor Swift, the Weeknd — every major tour, in your pocket.

Festivals

Coachella, Glastonbury, Tomorrowland — full multi-day passes, in one tap.

Theatre

West End, Broadway, opera, ballet — culture, on demand.

Sport

Champions League, F1, NBA, US Open — every league, every match.

Cinema

Major chains, indie cinemas — book seats and pay all in-app.

Experiences

Wine tasting, helicopter tours, cooking classes — find and book locally.

Coldplay · Music of the Spheres
Live in Los Angeles · SoFi Stadium
Date
Sat, Jun 6
Time
19:30
Section
VIP A
Seat
14B
James Miller · 1 ticket Show this at the gate · ID #38420-X
VIP UPGRADE · ELITE PERK

Premium members get early access, VIP upgrades, and invitations to private AORO events.

Browse events
Rewards & Cashback

The card that loves you back.

Up to 3% cashback on every swipe. Bonus rewards on travel, dining, events. Personalized offers based on what you actually buy.

Standard cashback

Up to 3% back on everything you spend with your AORO card.

Personalized offers

Bonus cashback at the brands you already shop. Updated weekly.

Travel rewards

Extra 5% on travel partners. Lounge entries. Hotel upgrades.

Event rewards

Discounts on ticket purchases. Early access for premium members.

Total earned · 2026
€842.50
+€124 this month · keep going
Dining
+€186.20
Travel
+€312.40
Shopping
+€224.80
Events
+€68.40
Mobility
+€50.70
The comparison

How AORO stacks up.

One app that does what 5 apps and 3 banks can't.

Feature
AORO
Big Bank
Online Bank
Other App
30+ currencies in one accountHold, send, exchange anywhere
Limited
Limited
Free FX at mid-market rateThe rate banks use, not the markup
AI financial assistantPredictions, alerts, optimizations
Basic
Travel insurance & loungesBuilt into the card, not extra
Premium only
Add-on
Event tickets in-appConcerts, festivals, sport, theatre
Family & kids accountsShared wallet, kids' debit cards
Limited
Add-on
Concierge serviceLast-minute reservations, errands
Elite & Black
Top tier only
Up to 3% cashbackOn every euro you spend
0.5%
1%
Open in 5 minutesNo paperwork, no branch visit
Works with everything

Plays well with your stack.

Connect to the apps you already use. Sync, export, automate. AORO fits your life — not the other way around.

Apple Pay
Tap to pay
Google Pay
Tap to pay
WhatsApp
Pay & request
Telegram
Bot & alerts
Slack
Team payments
Notion
Sync expenses
X
Xero
Accounting
QB
QuickBooks
Accounting
Zapier
5,000+ apps
Shopify
Sales sync
Stripe
Receive payments
AWS
Pay invoices
Loved by millions

What our customers say.

Real reviews from real people who've moved their financial life to AORO.

"I closed my regular bank account 6 months ago. AORO does literally everything — and the AI told me I was wasting €240/month on subscriptions I forgot about."
SM
Sarah MitchellDesigner · London
"The Elite card paid for itself in 2 months — between lounges and hotel upgrades, I'm saving more than the membership costs."
MB
Michael BrennanSales Director
"Bought Coldplay tickets, paid the babysitter, and split brunch with friends — all from one app, all this morning. Wild."
JC
Jessica CarterMarketing Lead
"As a freelancer, the multi-currency wallet plus Tax & VAT sub-account means I never get a nasty surprise at year end. Worth every cent."
DP
David ParkFreelance Developer
"Got my 11-year-old a Junior card and now she actually thinks about saving instead of asking us for money 24/7. Game changer."
ER
Emily RobertsMom of two · Berlin
"Travel for work constantly — the lounges, eSIM, and live FX make Elite a no-brainer. Honestly can't imagine going back."
RS
Robert SullivanConsultant
As featured in
The Times
Bloomberg
Forbes
TechCrunch
WIRED
CNBC
Plans

Pick the one that's you.

Five tiers, one beautiful experience. Start free, upgrade when you want more.

Standard
€0
Free, forever
  • Free virtual card
  • 0.5% cashback
  • 5 currencies
  • Free EU transfers
  • Apple/Google Pay
Get started
Plus
€4/mo
For everyday spenders
  • 1.0% cashback
  • 15 currencies
  • Free FX €3,000/mo
  • Per-merchant cards
  • Round-up savings
Choose Plus
Premium
€9/mo
Travel + perks bundle
  • 1.5% cashback
  • 30+ currencies
  • 12 lounge entries/yr
  • Travel insurance
  • eSIM 5GB free
  • Family up to 3 kids
Choose Premium
Elite
€25/mo
Luxury everyday
  • 2.0% cashback
  • Metal Elite card
  • AMEX paired card
  • Unlimited lounges
  • Hotel upgrades
  • Concierge access
  • Family up to 5 kids
Go Elite
Black
€—
By invitation only
  • 3.0% cashback
  • Engraved metal Black
  • AMEX Black included
  • 24/7 dedicated concierge
  • Private AORO events
  • Dedicated banker
  • Unlimited everything
Request invite
Security

Your money. Locked down.

Bank-grade security, zero-trust architecture, biometric everywhere. We don't take chances with your money.

Biometric login

Face ID, Touch ID, or device-bound passkey. No more passwords to leak.

Real-time anti-fraud

AI flags suspicious transactions in milliseconds. You approve or reject in-app.

Instant alerts

Every transaction, login, and card use — pinged to your phone the moment it happens.

Device control

See every device with access. Revoke any of them with one tap.

Full transparency

See every fee, every rate, every penny. No hidden costs, ever.

Encrypted storage

Funds held with regulated partners. AES-256 encryption end-to-end.

One-tap freeze

Lost card? Freeze it instantly. Found it? Unfreeze just as fast.

Deposit protection

Up to €100,000 covered by deposit insurance through our regulated banking partners.

See something? Report it.

We pay up to €50,000 per valid security disclosure. Help us keep millions of customers safe.

Bug Bounty Program
Support

Real humans. Real fast.

24/7 in-app chat, with average response under 90 seconds. Premium and above get priority. Elite & Black get a dedicated concierge.

In-app chat

Available to every customer, free of charge. Average wait under 90 seconds.

Available now

Priority support

Skip the queue. Premium and Elite members get dedicated agents and faster response times.

For Premium+

Personal concierge

Restaurant bookings, last-minute travel, hard-to-find tickets. We make the calls so you don't have to.

Elite & Black
Recognized

Industry awards we're proud of.

Years of building, refining, and listening — recognized by the people who know fintech best.

2025
Best Fintech App

European Banking Awards

2025
Top Innovation

Money 20/20 Europe

2024
App of the Year

Apple App Store · Finance

2024
Editor's Choice

Google Play · 2024

FAQ

Questions, answered.

Quick answers to the things people ask us most. Need more? Chat with us in-app — 24/7.

Is AORO Money a real bank?+
AORO Money operates as an electronic money institution licensed and regulated by tier-1 European authorities. Funds are held in segregated accounts with our partner banks, protected by deposit insurance up to €100,000 per customer.
How fast can I open an account?+
Most customers are fully onboarded in 5 minutes. You'll need a government ID, a selfie for verification, and a phone number. Your virtual card is ready to use immediately — physical card arrives in 3–7 working days.
What does the AI actually do?+
AORO AI watches your spending in real time and tells you what's worth knowing — wasted subscriptions, better moments to convert currency, when you're about to overspend, predicted end-of-month balance, and personalized money-saving tips. Average user saves €312/month.
Are there hidden fees?+
No. Every fee is shown upfront and listed in your app. The Standard plan is genuinely free. FX uses the mid-market rate with no markup, up to your monthly free limit. ATM withdrawals are free up to a monthly cap depending on plan.
What happens if I lose my card?+
Open the app, freeze the card with one tap. If you find it later, unfreeze. If not, request a replacement — most cards arrive within 3–5 working days. Your virtual card stays active in the meantime, so you're never without a way to pay.
Can my kids have a card?+
Yes. Kids accounts are available for ages 6–17 on Premium and above. You set spending limits, block categories, approve large purchases, and assign tasks for allowance. Built-in financial education with quizzes and rewards keeps it fun.
How does the cashback work?+
Cashback is automatic — every eligible swipe earns a percentage back in your home currency, paid daily. Your rate depends on plan (0.5% to 3%) and category (travel, dining, and partner brands earn more). No points, no claims, just money.
Can I switch plans anytime?+
Yes. Upgrade instantly from the app — new perks unlock immediately. Downgrade is also free, taking effect at the next billing cycle. No contracts, no exit fees, no fine print.
Where can I use my AORO card?+
Anywhere Visa or Mastercard is accepted — that's 200+ countries and 70+ million merchants. Online, in-store, ATMs, contactless, and Apple/Google Pay. Elite and Black members also get an AMEX-paired card.
How do you protect my money?+
Bank-grade encryption, biometric login, real-time fraud monitoring, instant alerts, and the ability to freeze your card or revoke a device with one tap. Funds are held in segregated accounts with regulated partner banks, with deposit protection up to €100,000.

Your whole financial life,
in one app.

Join 3.2 million people who already moved in. Free to start. Upgrade anytime.

Get the app — it's free See plans
Download on the
App Store
Get it on
Google Play