The team behind
Vellco Finance.
We build a banking platform that people actually want to use — transparent, fast, secure and truly global.
150K+
Active accounts
Individuals and businesses
35+
Currencies
Hold, convert and send
2007
Founded
VELLCO HOLDINGS LIMITED
24/7
Support
Live specialists, always on
Banking that puts
people first.
Traditional banking was built for banks, not people. Opaque fees, slow transfers, outdated interfaces — and no real understanding of your own finances. We decided to change that.
Vellco Finance gives every person — whether a freelancer in Berlin, a founder in Warsaw or a family in Leeds — the same powerful financial tools that were previously only available to corporate clients.
We didn't reimagine a bank. We reinvented banking.
VELLCO HOLDINGS LIMITED
Registered in England and Wales
Our principles.
Six principles that underpin every product decision.
Trust first
Every product decision starts with one question: does this protect our customers? Safety and reliability are non-negotiable.
Global by default
We built Vellco for the world. Multi-currency, multilingual, compliant with multiple regulators — from day one.
Speed over bureaucracy
Banking should take seconds, not days. We eliminate every unnecessary step from every financial action.
Radical transparency
No hidden fees. No surprises in the fine print. Every cost is shown before confirmation — always.
Built for people
Our users range from freelancers to CFOs. We design for clarity, not complexity.
Independent company
Vellco Holdings Limited is an independent company, not owned by any bank and free from shareholder pressure.
Built to protect your money.
Security is not a feature — it is the foundation everything else is built on.
AES-256 encryption
All data is encrypted at rest and in transit using AES-256 — the standard for global financial institutions.
Multi-signature key management
Cryptographic keys require multiple authorisations. No single person or system can unilaterally access client funds.
3D Secure on every payment
Every online card transaction is authenticated via the 3DS2 protocol — without exception.
Real-time fraud detection
Every transaction is analysed in real time for fraudulent patterns. Suspicious activity triggers an alert immediately.
Trusted device management
Every login device is registered and verified. Clients can revoke trusted devices at any time.
Biometric authentication
Face ID, fingerprint and PIN — clients choose how to secure their account.
Penetration testing
Our infrastructure is regularly subjected to third-party penetration tests and security audits.
GDPR compliance
Client data is processed in accordance with GDPR principles. No data is sold to third parties. Ever.
Important: Vellco Finance never asks for your password, PIN or full card number by email, SMS or phone. If you receive such a request, report it immediately.
Security FAQLatest from Vellco
Vellco Finance launches multi-currency savings vaults
New Business plan for growing teams announced
Platform reaches 150,000 active accounts
API banking opens to all Premium plan users
Join the team.
We're a distributed team building the future of banking. If that sounds like your challenge — we'd love to meet you.
Senior Backend Engineer
Product Manager — Cards
Compliance Analyst
Head of Support
Didn't find a suitable role? Send an open application to careers@vellco.finance
Get in touch.
VELLCO HOLDINGS LIMITED — Company number 06189665 — Incorporated 28 March 2007
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