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

Companies using Flow to embed finance products get to market faster and in a more cost efficient way

Companies using Flow to embed finance products get to market faster and in a more cost efficient way

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.

  • Expense management solution

  • Buy now, pay later for businesses

  • Investment module for business

  • AI automated cashflow module

  • Business loans for SME's

  • Expense management solution

  • Buy now, pay later for businesses

  • Investment module for business

  • AI automated cashflow module

  • Business loans for SME's

  • Expense management solution

  • Buy now, pay later for businesses

  • Investment module for business

  • AI automated cashflow module

  • Business loans for SME's

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

ISO 27001

ISO/IEC 27001:2013

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.

Implementation services

Implementation services

We don’t stop at product implementation

We don’t stop at product implementation

We don’t stop at product implementation

To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing.

To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing.

To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing.

Daan van Klinken

Daan van Klinken

Daan van Klinken

Founder, CEO

Founder, CEO

Ronald Sminia

Ronald Sminia

Ronald Sminia

Business Development

Business Development

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

Wow your customers

Empowering Users to Work Smarter, Not Harder

Empowering Users to Work Smarter, Not Harder

Time-saving: Manual transfers are now automated

Clarity: Finances organized in advance — no surprises

Delight: Users feel in control and empowered

Templates like “VAT fund” are already among the most-used features in the new section, and more automations are on the roadmap.

Wow your customers

Empowering Users to Work Smarter, Not Harder

Empowering Users to Work Smarter, Not Harder

Time-saving: Manual transfers are now automated

Clarity: Finances organized in advance — no surprises

Delight: Users feel in control and empowered

Templates like “VAT fund” are already among the most-used features in the new section, and more automations are on the roadmap.

Wow your customers

Empowering Users to Work Smarter, Not Harder

Empowering Users to Work Smarter, Not Harder

Time-saving: Manual transfers are now automated

Clarity: Finances organized in advance — no surprises

Delight: Users feel in control and empowered

Templates like “VAT fund” are already among the most-used features in the new section, and more automations are on the roadmap.

Cards, bank accounts and money automation

Want to power banking services in your platform?

FlowOS helps launch smart, compliant banking experiences.

Cards, bank accounts and money automation

Want to power banking services in your platform?

FlowOS helps launch smart, compliant banking experiences.

Cards, bank accounts and money automation

Want to power banking services in your platform?

FlowOS helps launch smart, compliant banking experiences.

© 2024 Flow Money Automation BV — Flow is a financial technology company and not a bank. Banking services are provided by Flow's bank partners.

© 2024 Flow Money Automation BV — Flow is a financial technology company and not a bank. Banking services are provided by Flow's bank partners.