Flowe review
Updated October 12, 2026 · HodlCue Editorial Team
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Our verdict
Flowe serves businesses seeking branded payment services rather than a personal account for everyday spending. Flowe is an Electronic Money Institution and Benefit company that provides issuing, digital wallets and core banking tools, which suits companies building customised and sustainable payment experiences.
Key facts
- Best for
- Companies creating branded payment experiences
- Legal entity
- Flowe S.p.A. SB↗
- Founded
- 2020↗
- Support channels
- Email↗
- Official website
- flowe.com
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Offers issuing, digital wallets and core banking for branded payments
- Supports physical and digital prepaid and debit cards for businesses
- Models each issuing project around client business needs and compliance
- Combines Benefit and B Corp status with measured emission reduction
Cons
- Serves businesses only, with no personal account for private spending
- Wallet use centres on a partner network or defined geographic area
- Affiliated issuing addresses entities already authorised to issue payment instruments
Who it suits
- Businesses building branded payment experiences
- Organisations managing recurring or supplier payments
- Companies seeking lower impact payment infrastructure
Who should look elsewhere
- Private individuals seeking a personal account
- Shoppers seeking a standard retail card
How Flowe compares
Frequently asked questions
What does Flowe provide?+
Flowe provides branded payment systems that cover issuing, digital wallets and core banking. Companies use the tools to create secure and personalised payment experiences under their own brand.
Which cards can companies issue with Flowe?+
Flowe supports the issue of branded prepaid and debit cards in physical and digital form. Issuing is offered through affiliation to major international card circuits and each project follows business needs and applicable scheme rules.
How does the digital wallet work?+
The digital wallet works across a commercial partner network or within a defined geographic area. It supports businesses with physical or digital stores, recurring payments, proprietary welfare platforms and supplier payments.
What kind of company is Flowe?+
Flowe is an Electronic Money Institution and a Benefit company with B Corp certification. It measures and reduces organisational emissions, offsets residual emissions through certified nature based credits and reports performance in an impact report.
When was Flowe founded?+
Flowe was founded in 2020. (Source, checked September 26, 2026)
How can I contact Flowe support?+
Flowe offers support through Email. (Source, checked September 26, 2026)
Sources
- flowe.com/assistenza-clienti-privati checked September 26, 2026
Backs: Support channels
- flowe.com/chi-siamo checked September 26, 2026
Backs: Founded
- flowe.com/contatti checked September 26, 2026
Backs: Legal entity
“2025 Flowe S.p.A. - SB - P.IVA 10540610960”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.