Flow Automate
Smart money moves with Flow
Enable your customers to fully automate their money flows, seamlessly embedded into your product.
VAT Buffer
Automatically set aside VAT of incoming payments.
Corporate Tax
Allocate a percentage of incoming payments to tax obligations
Invoice Splitter
Splits incoming invoice payments across multiple accounts.
Operating Budget
Distribute incoming payments across operating categories for your business.
Profit First
Distributes incoming revenue into buckets following the Profit First method.
Salary Splitter
Allocate funds from business income to salary accounts on a recurring basis.
Trusted by leading companies
You name it, we automate it
Money automation
Split, forward, or distribute money automatically based on real events.
Smart triggers
Start flows when money comes in, balances change, or schedules are reached.
Composable actions
Chain actions like “from what’s left”, thresholds, and buffer limits.
Optional approval
Give users full control. Choose manual confirmation or complete autopilot.
Templates to get you started
VAT Buffer
Automatically sets aside VAT of incoming payments into a separate account, so tax money is never accidentally spent.
Tax Reserve
Automatically set aside a percentage of incoming revenue for corporate tax obligations.
Invoice Splitter
Splits incoming invoice payments across multiple accounts based on rules such as VAT, salary, expenses, or profit.
Operating Budget
Distribute incoming revenue across operating categories like marketing, tools & more.
Profit First
Distributes incoming revenue into buckets (like profit, tax, salary, and expenses) following the Profit First method.
Salary Splitter
Automatically allocates funds from business income to a personal salary account on a recurring or rule-based basis.
Banking within SnelStart
SnelStart, used by thousands of accountants, now offers SnelStart Bankieren powered by Flow Banking.
Smart money automation
Qonto users can now smartly automate their finances directly inside the app, powered by Flow Automate.
3x
Faster GTM
60%
Less engineering effort
Compliance & Security
So your team can move fast, with confidence
International certification for structured information security and data protection controls.
PSD2 AIS
PSD2 license enabling secure access to and aggregation of bank account data.
PSD2 PIS
PSD2 authorization to securely initiate payments from users’ bank accounts.
GDPR compliant
Compliance with EU regulations for lawful and secure personal data processing.
Eelco-Jan Boonstra
General Manager
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.