Most providers make you choose between a lender, a bank account, and a money-transfer app. We built all three on a single rail so they work as one.
Each one works on its own. Together, the money you borrow, the account that holds it, and the transfer that sends it never leave the same place.
Eight loan products — personal, business, mortgage, auto, student and more — at a single fixed 3% rate, from €1,500 to €425,000.
View loans →A multi-currency account with a personal IBAN, cards and SEPA payments — the base your loan lands in and your transfers leave from.
View banking →Cross-border payments at the mid-market exchange rate with transparent fees and SEPA-speed settlement across 25+ markets.
View transfers →Borrow into your account, spend with your card, and send what's left across a border — without re-entering details, paying to move between apps, or waiting for funds to clear between providers.
Check your rateWe hold ourselves to the standards European financial services are expected to meet.
Start with a rate check, or talk to our team about combining lending, banking, and transfers.