Banking, redrawn — 2026
Interest on every euro, exchange at the real rate, a card that feels like something, and people who answer. Open in four minutes
Licensed in the EU · Deposits protected to €100,000
Everything a bank should do, done properly — and a few things banks never bothered with.
Your money, sorted into rooms.
Open as many vaults as you need — rent, travel, taxes — and route a share of every deposit into each one automatically. Every vault earns, every day.
Explore personalSpend anywhere at the real rate.
Card payments and transfers in 30 currencies at the mid-market rate, with no weekend markup and no surprise on the statement. Freeze, unfreeze, or issue a virtual card in a tap.
See the cardsInterest that shows up daily.
3.9% APY on your whole balance, paid every month, no minimum and no lock-in. Watch it compound on a chart that tells the truth.
Compare plansSecurity
Built like a vault. Feels like an app.
Every balance is held with a licensed bank and protected up to €100,000. Every login is device-bound. Every card can be frozen from your pocket in under a second.
Deposit guarantee
Protected to €100,000 per person under the EU scheme.
Device-bound login
Passkeys and biometrics. No passwords to leak.
Instant freeze
Lock any card or the whole account in one tap.
Fraud watch
Real-time monitoring with a human on the other end.
Everything a bank should do, done properly — and a few things banks never bothered with.
Everyday banking with interest on every euro.
- 3.9% APY on balances
- Free card, virtual cards
- Fee-free FX up to €1,000 / mo
- Instant transfers, 24/7
- Deposit protection to €100k
For people who move money often, in more than one currency.
- Everything in Standard
- Metal card, brushed oxblood
- Unlimited fee-free FX
- 1% cashback on card spend
- Lounge access, travel cover
- Priority human support
Accounts, cards and invoicing for teams up to fifty.
- Multi-user access, roles
- Expense cards with limits
- Invoicing and reconciliation
- Accounting integrations
- Dedicated account manager
I moved my whole life over in an afternoon. The vaults alone paid for the metal card in three months of interest.
Finally a bank that treats FX like a solved problem. I invoice in three currencies and never think about it.
The support replied in ninety seconds, from a person, at 11pm. That is the whole review.
Florin holds a full banking licence in the EU. Deposits are protected up to €100,000 per person under the deposit guarantee scheme, exactly as they would be at a traditional bank.
Interest accrues daily on your entire balance — current account and vaults alike — and is paid on the first of each month. There is no minimum balance and no lock-in.
Transfers use the mid-market rate with no markup. Standard accounts include €1,000 of fee-free exchange per month; Metal is unlimited.
Most people are verified in under four minutes with a passport or ID card and a short selfie. Your virtual card is ready immediately; the physical one arrives within five working days.
Yes. Business accounts add multi-user access, expense cards with limits, invoicing and integrations with the accounting tools you already use.