Personal Banking

Banking that actually thinks.

Hold 30+ currencies, send money in 0.3 seconds, swap at the real rate, save automatically. Personal banking redesigned for how people actually live in 2026.

Everything you need, nothing you don't.

One account, every feature unlocked from day one. No tiered features hiding behind paywalls — except real luxury extras you'd actually use.

Multi-currency wallet

Hold 30+ currencies in dedicated wallets. Convert anytime at the mid-market rate. No hidden margins.

Instant transfers

Send money to AORO users in 0.3 seconds. SEPA same-day. International in minutes.

Smart savings

Earn up to 4.5% AER. Round-up purchases. Goal-based vaults that lock until you hit your target.

Bills on autopilot

Reserve cash for rent, utilities, subscriptions. Auto-pull on the right day, every time.

Salary split

Split your paycheck automatically: 50% spending, 20% savings, 15% bills, 10% investing, 5% fun.

Recurring transfers

Set it once. Send the same amount weekly, monthly, or on payday. Cancel any time.

Sub-accounts

One account, six pockets.

Split your main balance into smart sub-accounts: Savings, Travel, Shopping, Emergency, Tax, Bills. Each one separate, each one trackable.

  • Savings Vault — earns 4.5% AER, locked options for higher rates
  • Travel Wallet — pre-load currencies, lock in rates
  • Emergency Fund — 24h withdrawal delay, protects future-you
  • Tax & VAT — auto-stash a % of every income
  • Bills Wallet — auto-pulled on bill day
  • Shopping Wallet — monthly limit + cashback lands here
€18,247.32
across 6 sub-accounts
Savings €4,200 Travel €1,800 Tax €920

Open in 5 minutes.

No paperwork. No branch visits. Just your phone, an ID, and a smile.