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Save money. Effortlessly.

Automate saving, budgeting and investing so you can feel relaxed and confident about your money.
Get the app
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Your bank needs Flow

Flow adds smart capabilities on top of your bank accounts. Connect your banks to Flow and get complete control over your money.
View supported banks

Saving

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Investing

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Giving

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Groceries

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Kids

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Online Shopping

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Travel

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VAT Buffer

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Housekeeping

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Travel

NL23 FLOW 8643 1243 67

Kids

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Online Shopping

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VAT Buffer

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Divide your money when it comes in

Flow automatically moves your money across all your budgets, savings and investments, based on triggers you set up in the app.
View all triggers
triggers
triggers

Choose how much should go where

Set up unlimited Flows and move your money where it matters without any work.
View all actions

Popular
use cases

Flow is for everyone, from freelancers and business owners to young families and their grandparents. We collect the best money systems that you can use in one go.
View all Money Methods
Five Jars
Simple method using five jars
Budgetting
Kakeibo
Marie-Kondo method for money
Budgetting
Profit First
A new take on business finance
Freelance
Salary Splitter
Split your salary as soon as it arrives
Budgetting
VAT Splitter
Split the VAT of your invoices
Freelance
One Cent Cha...
Day 1, one cent, Day 2, two cents...
Budgetting

Privacy friendly and secure

It’s your money so no time to fool around. Keeping your data safe and private is our #1 priority.

PSD2 Licensed

Look us up in the registers, we are regulated by the DNB. Read our terms of use to learn more about us.

ISO27001 Certified

We use bank grade security measures to protect your data and we are ISO27001 certified: a standard in information security.

Privacy First

Our service is designed with you in mind, making sure your data is private and secure. We make money by subscriptions, not data.
We’re here if you need us.
Talk to our humans

Automate your bank for free

Start for free and upgrade as your money systems grows.

Flow Free

€0/month
O
Unlimited Connections
Connect as many of your bank accounts as you wish
O
Unlimited Flows
No limits in the amount of Flows you can setup
O
Basic Actions & Triggers
Start automating your money with actions and triggers
O
Draft Payments
We draft payments for you to approve
X
Automatic Payments
Automatically approve your payments
X
VAT Actions
Automatically set apart VAT based on your rate
X
From What’s Left Action
Use the remainding amount to transfer
X
Forward Over € Action
Transfer when your balance exceeds a certain amount
X
Upcoming Advanced Actions and Triggers
Upcoming Advanced Actions such as “Fill budget to” and many more

Flow+

€5/month
€4,50/month paid annually
O
Unlimited Connections
Connect as many of your bank accounts as you wish
O
Unlimited Flows
No limits in the amount of Flows you can setup
O
Basic Actions & Triggers
Start automating your money with actions and triggers
O
Draft Payments
We draft payments for you to approve
O
Automatic Payments
Automatically approve your payments
O
VAT Actions
Automatically set apart VAT based on your rate
O
From What’s Left Action
Use the remainding amount to transfer
O
Forward Over € Action
Transfer when your balance exceeds a certain amount
O
Upcoming Advanced Actions and Triggers
Upcoming Advanced Actions such as “Fill budget to” and many more

Start automating your money today

Setup your first Flow in minutes and watch your money grow.
1
Connect your bank account
2
Setup your first Flow
3
Let your money grow
Get the app