We are Flow. At heart we’re more product experts than finance people. We offer delightful money management products that let financial service companies amaze their customers. Our secret sauce: the FlowOS software layer that enables our white label products to work seamlessly with your software. Visit withflow.com for more information.


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Press release

March, 2024 - Flow launches Embedded Finance platform FlowOS πŸ‡¬πŸ‡§

Flow launches Embedded Finance Platform FlowOS.pdf

Maart, 2024 - Flow lanceert Embedded Finance platform FlowOS πŸ‡³πŸ‡±

Flow launches Embedded Finance Platform FlowOS - NL.pdf


Flow is a Dutch fintech-startup by-product duo Daan van Klinken and Niels Mulder. Originally started as a progressive consumer money automation app (Flow Your Money), it has evolved into an innovative fintech company focused on transforming businesses into financial service providers. Through expertise in product development and a focus on creating intuitive, user-friendly financial technologies, Flow enables businesses to offer banking services. Flow does this through the Embedded Finance platform: FlowOS. Flow not only provides technological solutions; it offers a seamless experience that helps businesses truly win over their customers.