With Flow, you can distribute your money automatically across your expense, savings, and budget accounts, when and how you want, so that your money always ends up in the right place.

Flow goes further than a budget manager or expense tracker because the app not only gives you insight into your expenses, but also—by means of smart transfers—does something with those insights.

This way, Flow has a direct impact on your spending pattern and your piggy bank.

With Flow you can easily build up healthy money habits, on your way to a financially free future.

EASY BUDGET MANAGEMENT

Money management doesn't happen after the fact. Saving and budget management are continuous processes that Flow automates using Triggers & Actions.

A Trigger is an event that Flow notices, after which an Action is taken.

As an example: a  transaction with the word 'salary' in the description (Trigger) will send 40% to your fixed costs account (Action).

Or, a transaction that comes in from 'Randstad' (Trigger) has 21% VAT going to a tax buffer (Action).

These Triggers and Actions together form Flows.

WHAT PEOPLE SAY

“It feels good, right? The idea that these kind of things are automated gives me such a relaxed feeling.”

— Alexander Klöpping, CEO Blendle/Tech journalist in “Een Podcast over Media”

“It works on the background, you can then trust [in your own money management system], that’s what I like about it.”

— Ernst-Jan Pfauth, CEO De Correspondent in “Een Podcast over Media”

“Traditional personal finance management apps require your daily or weekly attention, Flow wants you set up a money management system once so that you don’t need to look at it gain.”

— De Volkskrant

“Other apps look in the rear-view mirror and only show what you’ve spent… With Flow, you can look ahead and determine what you can spend on groceries or eating out next month.”

— FinServ

PROVEN MONEY METHODS

Flow allows you to build your own money methods, exactly as you envision them. We have existing, proven money methods for those who find it difficult to come up with their own. Whether you want to:

- Manage your business (Profit First)
- Manage your household (Salary Splitter)
- Retire early (FI/RE)
-

We've got you covered!

HOW FLOW WORKS

1. Download the app
2. Connect your bank accounts
3. Set up your first Flows
4. Defining whether the Flow will be triggered automatically or manually
5. You're done; watch the money Flow

FLOW WORKS ON TOP OF YOUR BANK(S)

Flow works excellent with:

- bunq
- Knab

Flow also integrates with major banks: ING, Rabobank and ABN AMRO. To get the most out of Flow, let these banks work together with bunq or Knab.

Soon, Flow will roll out more banks.

FLOW AND YOUR DATA

Your money and data are too important to compromise. The Dutch Central Bank (DNB) and the Netherlands Authority for Financial Markets (AFM) supervise Flow as a licensed financial app.

As an ISO27001-certified company, Flow excels at information security. In other words, we have to comply with specific rules and standards, and our compliance is checked. This is very important to us, because your money and data must be safe at all times.

Also see: https://flowyour.money/privacy.

UNDER THE SUPERVISION OF THE DUTCH CENTRAL BANK

Flow has a PSD2 license, which is a permit from the Dutch Central Bank which allows us to offer our payment services.

PSD2 stands for 'Payment Services Directive 2', a directive that ensures that European consumers (like you) can connect their bank accounts to companies like Flow, in a safe and secure manner.

Since July 13, 2020, Flow is licensed to view your account information (Service 8) and initiate payments (Service 7), but only with your permission.

You can find us in the DNB Register of Payment Institutions under number: R166735.

Download Flow now and get started for free!