# Flow Money Automation

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/flow-money-automation-b-v

- Industry: Financial Services
- Headquarters: Netherlands
- Website: www.flowyour.money/
- Total disclosed funding: $3.8M
- Latest round: Seed (Apr 21, 2022)
- Investors on record: 3

## About

Based in Amsterdam, Netherlands, and founded in 2018 by co-CEO Daan van Klinken, co-CEO Niels Mulder, and CTO Danny Wilson, Flow Money Automation B.V., a.k.a. Flow operates as a provider of a mobile application that allows its users to automate online banking functions such as savings and investments. In October 2025, Flow Money Automation B.V. raised an undisclosed amount of venture funding from unspecified investors.

Flow offers a consumer-facing app for automated budgeting and saving, alongside FlowOS, a B2B embedded finance platform for banks and financial service providers. Its services include PSD2-compliant integrations, customizable APIs, and white-label solutions for money management.

The company earns revenue through subscription plans for individual users and licensing fees for its FlowOS platform offered to banks and fintech partners. Additional income comes from API integrations and enterprise customization services.

The company will use the October 2025 funding to expand its automated money-flowing app to Germany and Belgium. Lendahand, a crowd-investing platform for social enterprises, aims to fund 500 new small businesses across developing countries by the end of 2026.

## Funding rounds

- Seed, Apr 21, 2022, $3.8M — Eleven Ventures, SaltPay, Rocksalt Ventures Ltd

## Investors

- Eleven Ventures — Seed
- SaltPay — Seed
- Rocksalt Ventures Ltd (https://capitalatlas.ai/funds/rocksalt-ventures-ltd) — Seed