Flow Banking

Your product. Built-in banking.

Offer your customers accounts, cards, and payments within your product without becoming a bank.

Let's talk

3

Inbox

€7.235,18

NL01 ABCD 1234 14321 51

2

VAT

€7.233,09

NL01 ABCD 1234 4321 52

1

Payroll tax

€1.751,12

NL01 ABCD 1234 4321 53

Buffer

€68.929,02

NL01 ABCD 1234 4321 55

Corporate tax

€11.235,18

NL01 ABCD 1234 4321 54

VAT

€11.235,18

NL01 ABCD 1234 1234 56

VAT

€11.235,18

NL01 ABCD 1234 1234 56

VAT

€11.235,18

NL01 ABCD 1234 1234 56

VAT

€11.235,18

NL01 ABCD 1234 1234 56

Trusted by leading companies

OS

The Embedded Finance Product Suite

FlowOS is the modular white-label solution that enables you to seamlessly embed financial products into your platform.

White-label solution

Seamlessly embed financial products while staying true to your brand.

Integrated KYC

KYC your customers once and reuse it across the FlowOS product suite.

Flexible modules

Financial products that easily integrate into your platform.

import { Flow } from "@withflow/sdk";


const flow = new Flow({ apiKey: process.env.FLOW_API_KEY! });


const customer = await flow.customers.create({

  type: "business",

  legalName: "Acme B.V.",

  registrationNumber: "72829796",

  country: "NL",

  email: "finance@acme.example",

});


const kycSession = await flow.kyc.createSession({

  customerId: customer.id,

  mode: "business",

  redirectUrl: "https://platform.example.com/onboarding/complete",

});


const account = await flow.accounts.create({

  customerId: customer.id,

  product: "banking",

  currency: "EUR",

  type: "current",

  metadata: { workspaceId: "ws_42" },


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import { Flow } from "@withflow/sdk";


const flow = new Flow({ apiKey: process.env.FLOW_API_KEY! });


const customer = await flow.customers.create({

  type: "business",

  legalName: "Acme B.V.",

  registrationNumber: "72829796",

  country: "NL",

  email: "finance@acme.example",

});


const kycSession = await flow.kyc.createSession({

  customerId: customer.id,

  mode: "business",

  redirectUrl: "https://platform.example.com/onboarding/complete",

});


const account = await flow.accounts.create({

  customerId: customer.id,

  product: "banking",

  currency: "EUR",

  type: "current",

  metadata: { workspaceId: "ws_42" },


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KYC Module

KYC Module

KYC Module

Acme

Home

Proposals

Invoices

Banking

Reports

Banking

New account

Transfer

Open a new bank account within minutes.

Spend less time managing your finances. Map transactions to invoices in real-time in our platform with an Acme bank account.

Open new account

Inbox

Transaction

LinkedIn

Tesla

GoDaddy

Polar

Claude.ai

Date

Today, 6:33

Today, 6:33

Today, 6:33

Today, 6:33

Today, 6:33

Status

Completed

Completed

Completed

Completed

Completed

Amount

-€69,65

-€9,99

-€170,76

-€20,48

-€86,98

OS

The Embedded Finance Product Suite

FlowOS is the modular white-label solution that enables you to seamlessly embed financial products into your platform.

White-label solution

Seamlessly embed financial products while staying true to your brand.

Integrated KYC

KYC your customers once and reuse it across the FlowOS product suite.

Flexible modules

Financial products that easily integrate into your platform.

import { Flow } from "@withflow/sdk";


const flow = new Flow({ apiKey: process.env.FLOW_API_KEY! });


const customer = await flow.customers.create({

  type: "business",

  legalName: "Acme B.V.",

  registrationNumber: "72829796",

  country: "NL",

  email: "finance@acme.example",

});


const kycSession = await flow.kyc.createSession({

  customerId: customer.id,

  mode: "business",

  redirectUrl: "https://platform.example.com/onboarding/complete",

});


const account = await flow.accounts.create({

  customerId: customer.id,

  product: "banking",

  currency: "EUR",

  type: "current",

  metadata: { workspaceId: "ws_42" },


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import { Flow } from "@withflow/sdk";


const flow = new Flow({ apiKey: process.env.FLOW_API_KEY! });


const customer = await flow.customers.create({

  type: "business",

  legalName: "Acme B.V.",

  registrationNumber: "72829796",

  country: "NL",

  email: "finance@acme.example",

});


const kycSession = await flow.kyc.createSession({

  customerId: customer.id,

  mode: "business",

  redirectUrl: "https://platform.example.com/onboarding/complete",

});


const account = await flow.accounts.create({

  customerId: customer.id,

  product: "banking",

  currency: "EUR",

  type: "current",

  metadata: { workspaceId: "ws_42" },


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KYC Module

KYC Module

KYC Module

Acme

Home

Proposals

Invoices

Banking

Reports

Banking

New account

Transfer

Open a new bank account within minutes.

Spend less time managing your finances. Map transactions to invoices in real-time in our platform with an Acme bank account.

Open new account

Inbox

Transaction

LinkedIn

Tesla

GoDaddy

Polar

Claude.ai

Date

Today, 6:33

Today, 6:33

Today, 6:33

Today, 6:33

Today, 6:33

Status

Completed

Completed

Completed

Completed

Completed

Amount

-€69,65

-€9,99

-€170,76

-€20,48

-€86,98

OS

The Embedded Finance Product Suite

FlowOS is the modular white-label solution that enables you to seamlessly embed financial products into your platform.

White-label solution

Seamlessly embed financial products while staying true to your brand.

Integrated KYC

KYC your customers once and reuse it across the FlowOS product suite.

Flexible modules

Financial products that easily integrate into your platform.

import { Flow } from "@withflow/sdk";


const flow = new Flow({ apiKey: process.env.FLOW_API_KEY! });


const customer = await flow.customers.create({

  type: "business",

  legalName: "Acme B.V.",

  registrationNumber: "72829796",

  country: "NL",

  email: "finance@acme.example",

});


const kycSession = await flow.kyc.createSession({

  customerId: customer.id,

  mode: "business",

  redirectUrl: "https://platform.example.com/onboarding/complete",

});


const account = await flow.accounts.create({

  customerId: customer.id,

  product: "banking",

  currency: "EUR",

  type: "current",

  metadata: { workspaceId: "ws_42" },


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import { Flow } from "@withflow/sdk";


const flow = new Flow({ apiKey: process.env.FLOW_API_KEY! });


const customer = await flow.customers.create({

  type: "business",

  legalName: "Acme B.V.",

  registrationNumber: "72829796",

  country: "NL",

  email: "finance@acme.example",

});


const kycSession = await flow.kyc.createSession({

  customerId: customer.id,

  mode: "business",

  redirectUrl: "https://platform.example.com/onboarding/complete",

});


const account = await flow.accounts.create({

  customerId: customer.id,

  product: "banking",

  currency: "EUR",

  type: "current",

  metadata: { workspaceId: "ws_42" },


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KYC Module

KYC Module

KYC Module

Acme

Home

Proposals

Invoices

Banking

Reports

Banking

New account

Transfer

Open a new bank account within minutes.

Spend less time managing your finances. Map transactions to invoices in real-time in our platform with an Acme bank account.

Open new account

Inbox

Transaction

LinkedIn

Tesla

GoDaddy

Polar

Claude.ai

Date

Today, 6:33

Today, 6:33

Today, 6:33

Today, 6:33

Today, 6:33

Status

Completed

Completed

Completed

Completed

Completed

Amount

-€69,65

-€9,99

-€170,76

-€20,48

-€86,98

Transform your product with Flow Banking

Higher daily usage

When banking lives inside your platform, customers return more often because core financial actions happen where they already work.

Increase retention

When business banking lives inside your platform, customers return more often and stay longer. It makes your platform harder to replace over time.

New revenue streams

Generate recurring revenue from transaction activity and funds held within accounts managed through your platform.

Discover how Flow fits into your product

Accounting & Bookkeeping

Embed banking and automation directly into accounting workflows, so money moves where financial decisions are made.

Payment Service Providers

Add account structures, programmable money flows, and lending without building a full banking stack in-house.

Treasury

Integrate banking features to enable automation of supplier payments, optimise cash flow, and manage finances in real time.

Laptop with banking solutions integrated in accounting software

Banking within SnelStart

SnelStart, used by thousands of accountants, now offers SnelStart Bankieren powered by Flow Banking.

Read Case Study

Smart money automation

Qonto users can now smartly automate their finances directly inside the app, powered by Flow Automate.

Read Case Study

3x

3x

Faster GTM

60%

60%

Less engineering effort

Launch with speed and efficiency with FlowOS.

Launch with speed and efficiency with FlowOS.

Compliance & Security

So your team can move fast, with confidence

ISO 27001

ISO/IEC 27001:2013

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.

Implementation services

Implementation services

Your partner from start to finish

Your partner from start to finish

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

Eelco-Jan Boonstra

General Manager

Schedule a call

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.

Discover Flow Banking

Book a conversation to see how Flow Banking fits your product. No pushy sales, just insight.

Schedule a call

Trusted partners

Discover Flow Banking

Book a conversation to see how Flow Banking fits your product. No pushy sales, just insight.

Schedule a call

Trusted partners

Discover Flow Banking

Book a conversation to see how Flow Banking fits your product. No pushy sales, just insight.

Schedule a call

Trusted partners

Home

Products

Case studies

About us

Contact

Careers

Press Kit

Visit us
Flow Money Automation BV
Terminalweg 38
3821AB Amersfoort
The Netherlands

CoC 72829796
VAT NL851355936B01

Mail hi@withflow.com

© 2026 Flow Money Automation BV — Flow is a financial technology company and not a bank. Banking services are provided by Flow's bank partners.

Home

Products

Case studies

About us

Contact

Careers

Press Kit

Visit us
Flow Money Automation BV
Terminalweg 38
3821AB Amersfoort
The Netherlands

CoC 72829796
VAT NL851355936B01

Mail hi@withflow.com

© 2026 Flow Money Automation BV — Flow is a financial technology company and not a bank. Banking services are provided by Flow's bank partners.