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The Vault Fintech

Our services

Everything your business needs to bank, spend, borrow, invest, and manage its finances — in one place.

Each product below runs on the same account and the same ledger. Nothing needs to be exported, re-entered or reconciled between them.

01

Business Account

Open a business account built for your company, not retrofitted from a personal one.

  • A dedicated business account with a local IBAN
  • Multiple team members can be given access, with different permission levels
  • Send and receive payments across the EU
  • Real-time balance and transaction visibility

Account

€412,860.14

IBAN ·· 4471 · EUR

Incoming this week+ €64,210
Outgoing this week− €38,905
Team members with access6
02

Business Cards

Give your team the cards they need, with the control you need.

  • Physical and virtual cards for you and your employees
  • Set individual spending limits per card
  • Freeze, unfreeze, or cancel any card instantly
  • Every transaction tracked automatically
Vault card

•••• •••• •••• 4417

A. MORENO · MARKETINGVIRTUAL
Monthly limit used€3,100 / €5,000
StatusActive · freeze anytime
03

Overdraft

A safety net for your cash flow, when you need it.

  • Access short-term credit directly linked to your business account
  • Cover timing gaps between payments in and payments out
  • Simple, transparent terms — no surprise fees

Overdraft available

€50,000

Currently drawn€12,000
Linked toMain account ·· 4471
FeesTransparent, no surprises
04

Lending

Funding to help your business grow, without the usual bank hassle.

  • Business loans and credit lines sized to your needs
  • Fast application and decision process
  • Flexible repayment options

Application status

  1. 1Submitted
  2. 2Reviewed
  3. 3Decision
  4. 4Funds released
Credit line€150,000
RepaymentFlexible
05

Investing

Make your idle cash work harder.

  • Put spare business cash into simple, low-risk investment options
  • Earn a return without giving up easy access to your funds
  • Track performance right alongside your everyday banking

Idle cash

€180,000

Allocated to low-risk options€126,000
AccessStays easy to withdraw
PerformanceTracked with your banking
06

Bookkeeping & ERP, Built In

Your accounting, automatically kept in sync with your bank account.

  • 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

Auto-categorized

Software & tools€6,420
Suppliers€19,880
Payroll€41,300
Uncategorized0 items
Ledger is current as of the last transaction.
07

Forecast Dashboards

See where your business is heading, not just where it's been.

  • 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

Runway

14.2 months

Budget vs. actual+4.1% ahead
Board reportOne click

Not sure which pieces you need first?

Most companies start with the account and cards, then switch the books over once the transactions are already flowing. We'll help you sequence it.