Help centre
Answers to the questions we hear most. If yours is not here, a person will reply in about ninety seconds from the app
Opening an account
Verification, documents, who can join.
Cards
Delivery, limits, freezing, replacements.
Transfers and FX
Timing, rates, limits, recalls.
Interest and vaults
How it accrues, rules, goals.
Security
Devices, passkeys, reporting fraud.
Business
Seats, roles, invoicing, integrations.
Anyone over 18 resident in the EU or EEA with a valid passport or national ID. Business accounts need a registered company in one of those countries.
Usually under four minutes. A small number of applications go to a person for a second look; those are resolved within one working day.
Standard within five working days, Metal within seven. Your virtual card works immediately and can be added to Apple Pay or Google Pay.
Florin-to-Florin is instant. SEPA Instant to other banks is under ten seconds, around the clock. International transfers land in one to two working days.
The mid-market rate at the moment of the transaction, with no markup. Standard includes €1,000 a month fee-free; Metal and Business are unlimited.
Accrued daily on your closing balance across the account and all vaults, paid on the first of each month.
Freeze it from the app or the website, order a replacement in the same screen, and keep paying with your phone in the meantime.
Florin-to-Florin transfers can be recalled within 30 minutes if unspent. For other banks we send a recall request; success depends on the receiving bank.
From Settings, in two taps. Any balance is sent to an account of your choice the same day, and your data is erased within the legal retention period.
From the Help tab in the app, 24 hours a day. Median first reply is ninety-four seconds. You can also call the number on the back of your card.