Banking built
for real life.
Multi-currency accounts, premium cards, instant transfers, crypto trading and flexible credit — everything a modern person needs, in one elegant platform.
One account. All currencies.
Personal IBAN, 35+ currencies, real exchange rates and global payment rails — all in one place.
Main account
€ 8,432.17
IBAN: GB29 NWBK 6016 1331 9268 19
35+ currencies
Hold and convert at real interbank rates — no hidden markup.
Personal IBAN
A European IBAN to receive salaries and bank transfers.
Instant transfers
SEPA Instant payments arrive in seconds any time of day.
International payments
Transfers to 180+ countries via SWIFT and local payment rails.
Statement export
Download PDF statements instantly — monthly, quarterly or custom range.
Spending analytics
Visual spending breakdown with automatic categorisation.
A card for every goal.
Pick the card that fits your lifestyle. Switch plans any time, manage everything from the app.
Standard
Free- Physical card, free delivery
- Virtual card — instant
- Contactless, Apple/Google Pay
- Lock/unlock in-app
- Basic spending controls
Premium
Included in Plus plan- All Standard features
- Metal finish
- Priority support
- Higher ATM limits
- Cashback on purchases
- Travel insurance access
Virtual
Free — unlimited- Instant issue — no waiting
- Mask card number in one click
- Separate limits per card
- Perfect for subscriptions
- Single-use card option
Save
with purpose.
Create separate pots for each goal — holiday fund, emergency reserve or house deposit. Set targets and track progress in real time.
- Separate pots for different goals
- Round-up purchases for automatic top-ups
- Set a target amount and track progress
- Lock funds until a target date for discipline
- Monthly interest accrual (where applicable)
Credit that is
fully transparent.
Apply for a consumer loan in minutes. Review the full repayment schedule before signing — no surprises. Digital contract, instant disbursement.
- Apply entirely in-app — no branch visits
- Full repayment schedule shown before signing
- Flexible terms from 3 to 60 months
- Digital loan agreement — sign in-app
- No hidden fees or early repayment penalties
- Instant disbursement to your Vellco account
Trade crypto
alongside everyday money.
Buy, sell, send and receive the world's leading cryptocurrencies — from the same account you use to pay rent.
Buy & sell BTC, ETH and more
Market and limit orders at competitive rates. No unnecessary complexity.
Send & receive crypto
Transfer to any external wallet address across multiple networks.
Instant fiat conversion
Withdraw crypto to your EUR or USD balance in one tap.
Portfolio
All positions, P&L and returns in one clear view.
Price alerts
Set a target price and get notified the moment it's reached.
Enterprise-grade security
Multi-signature and cold storage infrastructure.
Your money, protected.
Multi-layer protection guards every account, every card and every transaction — around the clock.
256-bit encryption
All data encrypted at rest and in transit using AES-256.
Biometric login
Face ID, Touch ID and 6-digit PIN — your choice.
Real-time notifications
Every transaction triggers an instant push alert.
3D Secure
Every online payment confirmed via the 3DS2 protocol.
Instant card freeze
Lost your card? Freeze it immediately from the app.
Fraud monitoring
Automatic detection on every transaction around the clock.
Ready to get started?
Open a free account in 5 minutes. No card, no monthly fee, no paperwork.
No card required · Free Standard plan · Terms apply