Business banking · Built-in finance ops
Every euro your business moves, in one place.
The Vault Fintech brings your account, cards, credit, investments, bookkeeping and forecasts together — so your finances stay in sync without the manual work.
- Local IBAN and EU-wide payments
- Cards with per-card spending limits
- Bookkeeping and ERP built in
- Real-time cash flow forecasting
Available balance
€412,860
Cash flow forecast
Recent activity
Synced to books- + €18,420.00
Stripe payout
Income · Auto-categorized
- − €2,310.55
AWS EMEA
Software · Card ·· 4417
- − €4,905.00
Nordvik Supplies
Bill paid · Invoice #2291
Built for companies
A real business account with a local IBAN and permissions for the people who need them.
Books that keep themselves
Transactions are categorized as they land, so your ledger is never a month behind.
Credit when timing bites
Overdraft and lending sit next to your balance, not behind a separate application portal.
Forward-looking by default
Forecasts and runway are built from your real transactions, updated as they happen.
Our services
Everything your business needs to bank, spend, borrow, invest and manage its finances.
Seven products that share one ledger, one login and one view of your money.
Bookkeeping & ERP, built in
Your accounting, automatically kept in sync with your bank account.
Because the books sit on top of the account, there is no export, no reconciliation weekend and no month-end scramble to find out what actually happened.
- Transactions categorized automatically — no manual data entry
- Send invoices and track who's paid and who hasn't
- Manage bills and payments to suppliers in one view
- Connects with the accounting tools you already use
Invoices
4 open- €12,400
Halden & Co.
Paid
- €8,750
Meridian Labs
Due in 6 days
- €3,120
Brightpath GmbH
Overdue 3 days
- €6,980
Kessler Retail
Sent
Cash position · next 12 months
Budget vs. actualForecast dashboards
See where your business is heading, not just where it's been.
Forecasts are generated from the transactions already in your account, so the number you show your board is the same number you manage the week with.
- Real-time cash flow forecasts based on your actual transactions
- Know your runway at a glance
- Compare budget vs. actual spending
- Generate clean reports to share with your team, board, or investors
How it works
Three steps from first login to a finance function that keeps itself current.
Open your account
Tell us about the company, verify it once, and get a business account with a local IBAN — no personal account retrofitted into a business one.
Bring your team in
Invite the people who handle money, set permission levels, and issue physical or virtual cards with their own spending limits.
Let the numbers keep up
Spending, invoices and bills flow straight into your books and forecasts, so runway and margin are current without anyone rebuilding a spreadsheet.
Ready to move your business banking into one place?
Tell us how your business runs today and we'll show you what The Vault would look like for you.