Forward-thinking teams building the future of finance with Flow
Flow is used and trusted by industry leading scale-ups and enterprises

Banking within SnelStart
SnelStart, used by thousands of accountants, now offers SnelStart Bankieren—a banking solution powered by FlowOS.
Smart money automation
Qonto users can now smartly automate their finances directly inside the app, powered by FlowOS.
3x
Faster GTM
60%
Less engineering effort
The FlowOS software middle layer is the secret sauce to why our products wow your customers.
Banking integrations often disappoint. That’s precisely why we’ve developed the FlowOS software middle layer: built on top of your existing platform, it ensures our money management products work delightfully and amazes your customers.
Plus, it functions as fertile ground to build you anything our customer-centric minds can think of. Some examples are shown on the right.
Why partner with Flow?
Help your customers gain back control of their money
Improve your customers’ control over their money and help them save time and costs.
Happy customers increase retention
Together, we will amaze your customers. As their sole banking and accounting platform, clients will stay with you forever.
Become your customer's go-to financial platform
Bypass traditional banks and become your customer's single platform, taking care of all things money and accounting.
Create new revenue streams
Generate more business by introducing new products and services.
Compliance & security
Flow ticks all compliance and security boxes
We use bank grade security measures to protect your data and we’re ISO 27001 certified: a standard in information security.
PSD2 AIS
PSSD2 AIS (Account Information Service) is a provision under PSD2. It allows us to access and aggregate a user's financial data from multiple bank accounts, offering a comprehensive view of their finances.
PSD2 PIS
The PSD2 PIS (Payment Initiation Service) license is a regulatory accreditation under the EU's Payment Services Directive 2. It allows us to initiate payments on behalf of users directly from their bank accounts.
GDPR compliant
Being GDPR compliant means we fully adhere to the EU's General Data Protection Regulation by ensuring customer data is collected, processed, and stored securely, with consent, and for legitimate purposes.
Go-to-market strategy
In close cooperation, we develop value propositions that fit your customers' needs, ascertain the target audience, and decide on pricing.
Marketing & Sales
We know the benefits of our products from the inside out. That is paramount in coaching and guiding your marketing team.
Continuous support
We’re there for you all the way. That’s because we want our money management products to truly wow your customers: we wow to win.
Our partners







