Case Study

Smart money automation, natively in Qonto

Qonto users can now automate their finances directly inside the app, powered by FlowOS.

Various culture images
Various culture images

Seamless automation embedded in Qonto

Qonto is Europe’s leading financial platform for freelancers and SMEs. Known for its clean UI, robust business accounts, and powerful tools, Qonto is all about simplifying business finance.

To extend this vision, Qonto partnered with Flow to embed money automation natively in their mobile app, giving users the ability to set aside VAT, allocate income, and manage their finances automatically, with just a few taps.

Available now for all users in France on Android and iOS. Coming soon to all markets.

The problem

Repetitive tasks slows customers down

For small businesses and freelancers, financial management often involves:

  • Manually setting aside money for VAT or taxes

  • Switching between multiple accounts

  • Remembering when and where to transfer funds

Even in a great banking app, these tasks feel repetitive and error-prone, and they cost users time and headspace.

Users were asking for automation. But not in another app. Inside Qonto.

Various culture images
Various culture images
Laptop with banking solutions integrated in accounting software
Laptop with banking solutions integrated in accounting software
Laptop with banking solutions integrated in accounting software

The solution

Automate repetitive tasks

Together, Qonto and Flow delivered a deeply embedded automation module inside Qonto’s Android and iOS apps: styled, branded, and engineered to feel native.

Templates

Prebuilt flows like “VAT fund” and “Income allocation” help users get started fast.

Automations

E.g. “When funds come in with reference ‘invoice’, move 20% to VAT account.”

Retention & Stickiness

Automation rules and advanced banking tools (e.g., sub-accounts) increase

customer engagement.

The FlowOS software middle layer is the secret sauce to why our products wow your customers.

Banking integrations often disappoint. That’s precisely why we’ve developed the FlowOS software middle layer: built on top of your existing platform, it ensures our money management products work delightfully and amazes your customers.

Plus, it functions as fertile ground to build you anything our customer-centric minds can think of. Some examples are shown on the right.

  • Expense management solution

  • Buy now, pay later for businesses

  • Investment module for business

  • AI automated cashflow module

  • Business loans for SME's

  • Expense management solution

  • Buy now, pay later for businesses

  • Investment module for business

  • AI automated cashflow module

  • Business loans for SME's

  • Expense management solution

  • Buy now, pay later for businesses

  • Investment module for business

  • AI automated cashflow module

  • Business loans for SME's

Why partner with Flow?

Help your customers gain back control of their money

Improve your customers’ control over their money and help them save time and costs.

Happy customers increase retention

Together, we will amaze your customers. As their sole banking and accounting platform, clients will stay with you forever.

Become your customer's go-to financial platform

Bypass traditional banks and become your customer's single platform, taking care of all things money and accounting.

Create new revenue streams

Generate more business by introducing new products and services.

Compliance & security

Flow ticks all compliance and security boxes

ISO 27001

ISO/IEC 27001:2013

We use bank grade security measures to protect your data and we’re ISO 27001 certified: a standard in information security.

PSD2 AIS

PSSD2 AIS (Account Information Service) is a provision under PSD2. It allows us to access and aggregate a user's financial data from multiple bank accounts, offering a comprehensive view of their finances.

PSD2 PIS

The PSD2 PIS (Payment Initiation Service) license is a regulatory accreditation under the EU's Payment Services Directive 2. It allows us to initiate payments on behalf of users directly from their bank accounts.

GDPR compliant

Being GDPR compliant means we fully adhere to the EU's General Data Protection Regulation by ensuring customer data is collected, processed, and stored securely, with consent, and for legitimate purposes.

Implementation services

Implementation services

We don’t stop at product implementation

We don’t stop at product implementation

We don’t stop at product implementation

To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing.

To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing.

To create a truly successful commercial future, we help with your go-to-market strategy, sales, and marketing.

Daan van Klinken

Daan van Klinken

Daan van Klinken

Founder, CEO

Founder, CEO

Ronald Sminia

Ronald Sminia

Ronald Sminia

Business Development

Business Development

Go-to-market strategy

In close cooperation, we develop value propositions that fit your customers' needs, ascertain the target audience, and decide on pricing.

Marketing & Sales

We know the benefits of our products from the inside out. That is paramount in coaching and guiding your marketing team.

Continuous support

We’re there for you all the way. That’s because we want our money management products to truly wow your customers: we wow to win.

Our partners

Wow your customers

Empowering Users to Work Smarter, Not Harder

Empowering Users to Work Smarter, Not Harder

✔️ Time-saving: Manual transfers are now automated
✔️ Clarity: Finances organized in advance — no surprises
✔️ Delight: Users feel in control and empowered

Templates like “VAT fund” are already among the most-used features in the new section, and more automations are on the roadmap.

Wow your customers

Empowering Users to Work Smarter, Not Harder

Empowering Users to Work Smarter, Not Harder

✔️ Time-saving: Manual transfers are now automated
✔️ Clarity: Finances organized in advance — no surprises
✔️ Delight: Users feel in control and empowered

Templates like “VAT fund” are already among the most-used features in the new section, and more automations are on the roadmap.

Wow your customers

Empowering Users to Work Smarter, Not Harder

Empowering Users to Work Smarter, Not Harder

✔️ Time-saving: Manual transfers are now automated
✔️ Clarity: Finances organized in advance — no surprises
✔️ Delight: Users feel in control and empowered

Templates like “VAT fund” are already among the most-used features in the new section, and more automations are on the roadmap.

Cards, bank accounts and money automation

Want to Power Automations in Your App?

FlowOS helps platforms like Qonto launch smart, compliant banking experiences.

Cards, bank accounts and money automation

Want to Power Automations in Your App?

FlowOS helps platforms like Qonto launch smart, compliant banking experiences.

Cards, bank accounts and money automation

Want to Power Automations in Your App?

FlowOS helps platforms like Qonto launch smart, compliant banking experiences.

© 2024 Flow Money Automation BV — Flow is a financial technology company and not a bank. Banking services are provided by Flow's bank partners.

© 2024 Flow Money Automation BV — Flow is a financial technology company and not a bank. Banking services are provided by Flow's bank partners.