FlowBX.com offers an EU Business VIBAN (Virtual IBAN) feature, which provides several advantages for businesses operating in the European Union. Here are the details along with the other features:

  1. Low Fees: Competitive and transparent fee structures.
  2. 24/7 Online Access: Manage your finances anytime with a comprehensive online payments platform.
  3. Business Debit Cards: Debit cards to manage cash flow and business expenses.
  4. Simplified Transactions: Pay for goods and services both online and in-store, minimizing the need for cash.
  5. Global Access: Withdraw cash from ATMs worldwide and access funds in local currencies.
  6. Expense Management: Pay for various business expenses effortlessly.
  7. Automated Record-Keeping: Transactions are automatically recorded, simplifying bookkeeping and reducing errors.
  8. Enhanced Control and Security: Set spending limits, benefit from fraud detection and encryption, and freeze your card if lost or stolen.
  9. Physical Debit Cards: For EU companies, providing convenience and flexibility.
  10. Simplified Online Dashboard: Access real-time transaction overviews, generate detailed reports, and download them in various formats.
  11. EU Business VIBAN:
    • Dedicated IBANs: Obtain unique IBANs in your company name.
    • Streamlined Payments: Facilitate easier and faster SEPA and international transfers.
    • Improved Cash Flow Management: Separate and manage funds efficiently across different accounts and currencies.
    • Regulatory Compliance: Ensure compliance with EU Payments regulations, enhancing trust and reliability for clients and partners.

These features, including the EU Business VIBAN, are designed to provide ease, security, and control over your business finances, making FlowBX a robust solution for managing business accounts online.

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UK Programme
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FlowBX Ltd (registered address being C/O The Accountancy Partnership Twelve Quays House, Egerton Wharf, Wirral, United Kingdom, CH41 1LD), trading as flowbx.com is a payment programme of Orenda Financial Services Limited (UK). Orenda Financial Services have an agreement with Monavate Ltd for card issuance and related payment services. Monavate Ltd is a limited company registered in England and Wales with registration number 12472532.  Our registered office is at The Officers Mess Business Centre, Royston Road, Duxford, Cambridge, England, CB22 4QH. Monavate Ltd is authorised and regulated by the Financial Conduct Authority and registered with Firm Reference Number 901097. Monavate Ltd are regulated and authorised to issue cards and electronic money under the flowbx.com payment programme.

Monavate UK Consumer Debit Card Terms and Conditions

Monavate UK Business Debit Card Terms and Conditions
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Orenda Financial Services Limited (UK) - Privacy Policy UK
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EU Programme

FlowBX UAB (registered address being J. Savickio g. 4-7, Vilnius, Lithuania), trading as flowbx.com is a payment programme of Orenda Finance Ire (Ireland). Orenda Finance have an agreement in place with UAB Monavate for card issuance and related payment services. UAB Monavate is an entity registered in Lithuania with legal entity Code: 305628001 and having its registered address at Konstitucijos pr. 21a, LT-08130, Vilnius. UAB Monavate is regulated by the Bank of Lithuania and has the following authorisation code: LB002139. UAB Monavate are regulated and authorised to issue cards and electronic money under the flowxbx.com payment programme.

Monavate EU Business Debit Card Terms and Conditions

Orenda Finance Ire (Ireland) - Privacy Policy EU


Easy Payments Disclaimer

Important information: the payment services necessary for the furnishing of our services to you are provided by Easy Payment and Finance, E.P., S.A., (“Easy”) domiciled at Calle Leganitos 47, Planta 9ª, 28008 Madrid (Spain), with Tax Identification Number A85785905, registered in the Business Registry of Madrid, Sheet M-488476, Volume 27111. Easy is a payment institution regulated and supervised by the Bank of Spain (C/Alcalá 48, 28014 Madrid, Spain), listed in its Special Register of Payment Institutions under number 6849. Easy and us are independent entities and we are not an agent of Easy or act as an agent of Easy, nor do we provide any payment services in the name of or on behalf of or for the account of Easy. The provision of the payment services by Easy is subject to the prior subscription of the Payment Services Framework Agreement by you, which can be accessed at the following links:

Framework Agreement For Payment Services - Consumers

Framework Agreement For Payment Services - Non-Consumers
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Terms and Conditions for Account Holders
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