Instant transfers
Money lands in under two seconds, at any hour, on any day — weekends and holidays included. No cut-off times, no “pending” limbo.
Under 2 seconds
Now live in 31 countries
Money that moves at the speed of you
Send, spend, save and get paid — instantly, in 38 currencies, with zero hidden fees. PayFlow puts your whole financial life into one beautifully simple app.
2.4 million people already switched ·
★★★★★ 4.9
Good morningAva Mercer
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Total balance
$24,860.42
▲ +$1,240 this week
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Spotify PremiumSubscription
−$9.99
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Transfer to MiaInstant · 2s
−$120.00
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Salary · Lumen LtdIncoming
+$4,320.00
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Coffee BarCard · 08:14
−$4.60
+$1,240.00Payment received
Instant transferSettled in 1.8s
Bank-grade256-bit encryption
The money app the press keeps writing about
0M+
Active accounts worldwide
$0B
Moved every single year
0
Currencies at the real rate
0s
Average transfer time
Everything in one app
One account. Every money move.
PayFlow replaces the tangle of banking apps, budgeting spreadsheets and currency kiosks with a single, fast, genuinely pleasant place to manage your money.
Smart budgeting
Every purchase is categorised as it happens, then matched against your plan. PayFlow nudges you before you overspend, not after.
Auto-categories38 currencies
Hold, convert and spend in 38 currencies at the live mid-market rate. The price you see is the price you pay — the spread is never hidden from you.
Real exchange rateVirtual cards
Spin up a card for a single merchant and burn it the moment you are done. Perfect for trials, one-off purchases and anything you don’t fully trust.
On demandSavings vaults
Ring-fence money into goals that pay you back — 2.5% AER, paid daily, withdrawable any time you like with no exit penalty or notice period.
2.5% AERSplit & request
Dinner, rent, road trip. Split any purchase into exact shares, send a payment link, and watch who has paid — no awkward chasing required.
Pay by link
Getting started
Up and running in three minutes
No branch visit, no paperwork, no waiting for a letter in the post. You only need a photo ID and a phone.
01
Create your account
Scan your ID and take a selfie. Our automated checks verify you in about 180 seconds — you can start spending the same day.
~3 minutes
02
Link your banks & cards
Connect existing accounts with read-only access so PayFlow can see the whole picture. Encrypted end to end — we can never move money out of them.
Read-only access
03
Send, spend & save
Your virtual card is ready instantly, the physical metal one ships free. Set budgets, build vaults and let the app handle the rest.
Card ready now
Security by default
Your money is protected like it’s our own
PayFlow runs on the same infrastructure standards as the banks you already trust — then adds a layer of real-time intelligence on top. Independent testing happens every quarter, and the reports are public.
256-bit AES encryptionAt rest and in transit, on every single request
Biometric loginFace and fingerprint on device — never a stored password
Real-time fraud AIEvery payment scored in 40ms against 900+ risk signals
24/7 fraud teamReal humans reachable in-app, any hour, in six languages
Freeze any card in one tap — instantly, from anywhere in the world.
PCI DSSLevel 1
ISO 27001Certified
SOC 2Type II
GDPRCompliant
Simple pricing
Pay for the plan, not the privilege
No account minimums, no ATM surprises, no fee to close your account. Cancel or switch plans in two taps.
Starter
For getting your everyday money organised in one place.
$0
/ month
Free forever
- Personal account & virtual card
- Instant transfers up to $1,000 / month
- Budgeting with auto-categories
- One savings vault (0.8% AER)
- Multi-currency balances
- Cashback & metal card
No card required
Plus
For people who spend, travel and save in more than one currency.
$9
/ month
Billed monthly
- Everything in Starter, plus:
- Unlimited instant transfers
- Multi-currency balances & free conversion
- 5 virtual cards + 1 metal card
- Vaults at 2.5% AER, paid daily
- 1% cashback on all spending
Cancel anytime, keep the metal card
Business
For founders and small teams that need money to just work.
$29
/ month
Billed monthly
- Everything in Plus, plus:
- Up to 20 team seats & role controls
- Invoicing and payroll runs
- Two-way Xero & QuickBooks sync
- API access and webhooks
- Dedicated account manager
Volume pricing above 50 seats
Every plan includes FSCS-style protection up to $250,000 and 0% fees on foreign card purchases.
4.9 from 61,200 reviews
People who stopped dreading their bank
Freelancers, founders, students and CFOs — here is what changed after they moved their money across.
I invoice clients in three currencies and used to lose two days a month reconciling it all. With PayFlow the money lands instantly and the books close themselves. It genuinely gave me my Sundays back.
Sofia MarchettiFounder, Bloom Studio · Milan
The virtual cards are the trick I did not know I needed. Every subscription gets its own card, so a rogue free trial can never charge me again. I cancelled four of them in one sitting.
Mika TanakaProduct designer · Singapore
We run a 14-person agency through Business. Payroll went from an afternoon of spreadsheet surgery to one button and a coffee. The team cards with spending limits are a lifesaver.
Daniel RiveraManaging director, Northline · Austin
My card was skimmed at an airport machine. I froze it in the app before I had even left the terminal and the money was back by the next morning. Nobody argued with me about it, either.
Marcus EllisonConsultant · London
Your money app is three taps away
Download PayFlow, verify in three minutes, and get a working virtual card before your coffee goes cold. Free on both stores — no card required to sign up.
Welcome backAva Mercer
A
Total balance
$24,860.42
▲ +$1,240 this week
Send
Request
Top up
Split
Recent activity
M
Sent to MiaInstant · 2s
−$120.00
L
Salary · LumenIncoming
+$4,320.00
C
Coffee BarCard · 08:14
−$4.60