◆ Digital-first banking

Banking that's
always in motion.

Fluxxbank is the standard for modern money — instant payments, fee-free accounts, and real-time insights, all from one beautiful app.

★★★★★
5.0 Rated Excellent
310,000+ verified customer reviews
0Customers
0Countries
€0Monthly fees
9:41⚡ FluxxPay
Total balance €24,806.12
Nordwind Salary+€3,850
Blue Bottle Coffee−€4.80
Metro Transit−€2.40
⇄ Send
+ Top up
◔ Stats

Everything money should do

Built for people who move fast. Fluxxbank combines everyday banking, savings, and investing in one seamless experience.

⚡

Instant FluxxPay

Send and receive money in under a second, 24/7 — even across borders, with zero hidden FX markup.

🛡️

Bank-grade security

Biometric login, disposable virtual cards, and real-time fraud detection on every single transaction.

📈

Smart savings

Auto-roundups, vaults with up to 4.1% interest, and AI-powered budgets that adapt to your lifestyle.

🌍

Global by default

Hold 30+ currencies, spend like a local in 190 countries, and get paid like you never left home.

💳

Cards that keep up

Physical and virtual cards with instant freeze, per-merchant limits, and cashback on every tap.

🤖

Fluxx AI insights

A personal finance copilot that spots subscriptions you forgot and finds savings you didn't know existed.

Powered by trusted networks worldwide

VISAMastercardApple PayGoogle PaySEPASWIFT

Pick your Fluxx

Transparent pricing. No maintenance fees, no minimum balance, no asterisks.

Fluxx Basic

Everyday banking, done right.

€0/month
  • Free EUR account & IBAN
  • 1 virtual card
  • FluxxPay transfers
  • Standard support
Choose Basic
MOST POPULAR

Fluxx Plus

For people whose money moves.

€4.99/month
  • Everything in Basic
  • Metal card + 3 virtuals
  • 1.5% cashback worldwide
  • 4.1% savings vaults
  • Priority 24/7 support
Choose Plus

Fluxx Metal

Premium banking without the premium attitude.

€12.99/month
  • Everything in Plus
  • Obsidian metal card
  • 3% cashback + lounge access
  • Free global transfers
  • Dedicated banker
Choose Metal
€8.2B+Deposits protected up to €100,000
99.99%Uptime — banking that never sleeps
1,200/sTransactions processed per second
5.0 ★Average rating from 310k reviews

Try the dashboard — it's live

This demo runs entirely in your browser. Send a payment, watch your balance and chart update in real time.

Good afternoon, Alex 👋

Everyday Account · DE89 3704 0044 0532 0130 00
Available balance
€24,806.12
Income this month€5,850.00
Spending this month€1,932.45
Savings vault (4.1%)€8,120.00
Cashback earned€86.40

Spending — last 12 weeks

Send money (demo)

Recent activity

★★★★★

customer
1 / 4

Open your account in minutes

No paperwork, no branch visits, no waiting. Your card exists before your coffee gets cold.

Verify in seconds

Snap a photo of your ID and take a quick selfie. Our AI verifies you in under two minutes.

Fund your account

Top up instantly from any bank, card, or Apple/Google Pay. Your IBAN is ready immediately.

Start Fluxxing

Create virtual cards, set up vaults, and send your first FluxxPay transfer — all before lunch.

Fluxxbank, in pictures

Our cards, our buildings, our world — a look at the bank in motion. Auto-plays, or tap a thumbnail to explore.

Questions? Answers.

Everything people usually ask before making the switch to Fluxxbank.

Yes — Fluxxbank is a fully licensed European bank. Your deposits are protected up to €100,000 per person under the EU deposit guarantee scheme, just like any traditional bank.
Most customers finish in under 5 minutes. Verify with your ID and a quick selfie, fund your account, and you're ready to go — no branch visits, no paperwork.
Fluxx Basic is free forever — no maintenance fees, no minimum balance. Plus and Metal are optional upgrades that add cashback, metal cards, and premium perks.
Absolutely. Spend like a local in 190 countries with 30+ supported currencies and zero hidden exchange markups on Fluxx Plus and Metal.
Freeze your card instantly from any device, or call our 24/7 support line. Biometric login and real-time fraud monitoring protect your account around the clock.

Join 2.4 million people banking in motion

★★★★★

Get product updates, money tips, and early access to new features. No spam, ever.

Official Transaction Receipt

Date–
Time–
FromFluxx Everyday
DE89 3704 0044 0532 0130 00
To–
Note–
Reference–
Status✔ Completed

Amount sent–
Fluxxbank AG · fluxxbank.netlify.app
Thank you for banking in motion ⚡