From startups to enterprise — real results from real teams.
Sarah Lee@slee_designs
"Eduvo has transformed our workflow. The integration was seamless and our productivity has soared!"
Daniel Cho@dancho_fin
"Switching to Eduvo was the best decision for our finance team. Payouts are faster, reporting is clear."
Michael Turner@mturner_dev
"After using Eduvo, I can't imagine going back. The user interface is intuitive and customer support is top-notch!"
Emily Chen@echen_marketing
"Since adopting Eduvo, our finance process has streamlined significantly. Cards and expenses all in one place."
Jonathan Smith@jsmith_sales
"Eduvo's analytics help us make data-driven decisions effortlessly. Monthly close went from days to hours."
Sarah Lee@slee_designs
"Eduvo has transformed our workflow. The integration was seamless and our productivity has soared!"
Daniel Cho@dancho_fin
"Switching to Eduvo was the best decision for our finance team. Payouts are faster, reporting is clear."
Michael Turner@mturner_dev
"After using Eduvo, I can't imagine going back. The user interface is intuitive and customer support is top-notch!"
Emily Chen@echen_marketing
"Since adopting Eduvo, our finance process has streamlined significantly. Cards and expenses all in one place."
Jonathan Smith@jsmith_sales
"Eduvo's analytics help us make data-driven decisions effortlessly. Monthly close went from days to hours."
FAQ
Frequently asked questions
Everything you need to know about using Eduvo.
How quickly can I start using Eduvo?
+
You can complete KYC in minutes. Your IBAN is issued same day and virtual Visa cards are available immediately — no branch visit required.
Which countries are supported?
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Eduvo is live in Spain, United Kingdom, Denmark, Sweden, and Norway, with more European markets coming soon.
What currencies can I hold?
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EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON — all with dedicated IBANs.
Is Eduvo regulated?
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Yes. Payment services are provided by Wallester AS — a licensed Payment Institution regulated by the Estonian FSA, operating across the EEA and UK. PCI-DSS Level 1, PSD2 and GDPR compliant.
Are my funds safe?
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Your funds are safeguarded by Wallester in segregated accounts in accordance with EMI regulatory requirements.
Is there a mobile app?
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Yes, available on iOS and Android with Apple Pay and Google Pay built in.
Corporate card
The corporate card every growing business deserves.
Where higher spending power meets smarter controls — and expense reports do themselves.
Earn 0.5% cashback or 1 point per €1 on every transaction. Upgrade to the Metal Visa Infinite on Scale and get complimentary access to 1,300+ airport lounges worldwide for you and a guest.
Issue as many physical and virtual Visa cards as your team needs — there's no limit and no per-card charge. New cards are ready in seconds from the dashboard or mobile app.
Eduvo cards automatically collect receipts, generate memos, and categorise every transaction to the right GL — including across European entities. No chasing employees.
✓ Automated receipt capture on every transaction
✓ AI-powered GL categorisation & memos
✓ Policy enforcement without admin overhead
Spend limits
Customise limits and controls.
Issue spend limits with embedded controls for category, merchant, and amount. Transfer cards in one click — or automatically when an employee leaves.
Get IBAN accounts, treasury, and SEPA/SWIFT payments — all in one solution.
IBAN AccountsTreasuryTransfers
IBAN Accounts
Your European headquarters for money.
Get dedicated IBANs in EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, and RON — each with its own account number so counterparties pay you in their local currency, without FX friction.
✓ Dedicated IBAN per currency — EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON
✓ Full multi-currency dashboard across all 5 markets
✓ Same-day IBAN issuance after KYC
✓ PSD2-compliant payment services via Wallester AS
Most businesses leave significant cash sitting idle earning nothing. Eduvo's treasury trading tools let you automatically invest excess balances — and access your funds the same day you need them back.
✓ Earn yield on uninvested balances
✓ Same-day liquidity — no lock-in periods
✓ Automated sweeps: set your minimum operating balance
SEPA same-day settlement. SWIFT international reach. Schedule recurring payments for payroll, suppliers, or subscriptions — and let Eduvo handle the execution automatically.
Hold, send, and receive in any of our supported currencies — each with a dedicated IBAN. No currency conversion on local transactions, no separate bank account per country.
✓ Dedicated IBAN issued per currency, same day
✓ Available to businesses across the EEA and UK
✓ SEPA and SWIFT from every account
✓ No FX fees on transactions in the matching currency
Accounts are provided by Wallester AS, a licensed Payment Institution regulated by the Estonian FSA, operating across the EEA and UK.
🇪🇺EUR
🇺🇸USD
🇬🇧GBP
🇸🇪SEK
🇳🇴NOK
🇵🇱PLN
🇨🇿CZK
🇭🇺HUF
🇷🇴RON
🇩🇰DKK
Spend management
The future of spend management.
Manage European spend and close the books in real time — with zero manual expense work for your team.
Configure chains that match your org. Amount thresholds auto-escalate to the right approver — managers approve in seconds from mobile.
Clear policy visibility
Every out-of-policy transaction shows exactly why it flagged, so approvers make decisions with full context — no back-and-forth with employees.
Full audit trail
Every approval, rejection, and override is logged with timestamp and user. Audit-ready at any time without manual record-keeping.
"By making it easier for employees to comply, finance went from the bad cop to the hero."
Daniel Cho
VP Finance, Northwave Digital
Receipts & compliance
Get expense reports on time, automatically.
Eduvo automates document collection so your team can close the books faster — without chasing employees for receipts or manually categorising transactions.
✓ Receipts captured automatically on every card transaction
✓ Expense memos auto-generated and fields intelligently populated
✓ Departments and GL categories automatically assigned
✓ OCR matches receipts in any language or currency
✓ Export-ready reports at any time — CSV, PDF, or direct sync
Budgets
Increase accountability with real-time budgets.
Set top-level budgets across departments and assign them to managers. They provision spend to their teams and track usage in real time — no surprises at month-end.
✓ Department-level budgets with live utilisation tracking
✓ Managers provision spend directly to individuals or teams
✓ Budget alerts before overspend — not after
✓ P&L owners have a real-time view into their spend
"P&L owners finally have a real-time view into their budgets — no more waiting for month-end reports."
Jonathan Smith
CFO, Northwave Digital
Month-end close
End the month-end hassle.
Eduvo is built for continuous close. When every receipt is captured automatically and every expense is approved in real time, month-end becomes a formality — not a fire drill.
✓ Direct sync to accounting tools — no CSV exports
✓ In-month reporting without waiting for close
✓ Finance teams report going from 3 weeks to under 3 days
✓ GL coding auto-mapped and audit-ready at any time
Reporting
Insights you can act on.
Run real-time spend and budget reports across cards and expenses. Find ways to save and improve ROI — by team, category, or period.
99%
Average expense policy compliance rate
Zero
Manual receipt filing for employees
Real-time
Spend visibility across your entire team
Payments
This is automated payments made better.
Eliminate manual transfers, automate approvals, and handle SEPA, SWIFT, and POS terminals from a single dashboard.
"With Eduvo, we have one platform where we can send SEPA payments, manage expenses, and set up cards for our entire team."
Daniel Cho
Head of Finance, Northwave Digital
Save hours with payment automation.
Designed to free your finance team for higher-impact work.
01 — Onboard payees
Add suppliers and payees in seconds.
Enter a payee's details once. Eduvo stores them securely and re-uses them for all future payments — no manual re-entry, no risk of human error.
02 — Schedule transfers
Set payments to run automatically.
Schedule one-off or recurring SEPA and SWIFT transfers. Eduvo processes them on schedule — payroll, rent, subscriptions, and supplier invoices handled without manual action.
03 — Route to approvers
Multi-level approval flows, automated.
Set approval thresholds by amount or payee type. Eduvo routes payment requests to the right approver automatically — no chasing over email.
04 — Pay by card or IBAN
Choose how you pay — earn rewards either way.
Create a virtual Visa card instantly to pay vendors and earn 0.5% cashback. Or send direct from your IBAN via SEPA or SWIFT for maximum speed.
05 — Accept in-store
Visa POS terminals, settled same day.
Take card payments in person with Eduvo POS terminals. Everything settles same day directly into your IBAN — no separate merchant acquirer needed.
Multi-currency payments
Send and receive across Europe — all in one place.
SEPA transfers
Same-day EEA payments.
Send SEPA credit transfers across the EEA with same-day settlement before cut-off. Batch payroll, supplier invoices, and recurring payments — all from one screen.
✓ Same-day settlement before cut-off
✓ Batch payments for payroll & suppliers
✓ Scheduled & recurring automation
SWIFT payments
Global reach in 1–3 days.
Send international payments via SWIFT to banks anywhere in the world. Available across all 5 European markets and in all 5 supported currencies.
Visa POS terminals that connect directly to your IBAN. Contactless, chip & PIN, Apple Pay, Google Pay — settled same day, no separate merchant acquirer.
✓ Contactless, Chip & PIN, NFC wallets
✓ Same-day settlement to IBAN
✓ Unified dashboard with all other payments
"Before Eduvo, we had separate tools for bank transfers, card payments, and payroll. Now having a unified approach to all of this has really streamlined our finance operations."
Jonathan Smith
CFO, Northwave Digital
Manage all your payments in one place.
View all transfers, POS activity, and payment schedules for any period, anytime.
Easy to get started
Eduvo payments are part of your main account — no separate setup, no extra contracts.
Total spend visibility
All payment activity — SEPA, SWIFT, POS, cards — visible in one dashboard in real time.
Earn while you pay
Pay vendors via virtual Visa card and earn 0.5% cashback or 1 point per €1 on every transaction.
Consolidated platform
Payments, cards, IBAN accounts, expenses, and travel — all from one login, one team, one bill.
Travel
Travel management that does the work for you.
Book flights and hotels directly inside Eduvo, auto-enforce travel policies, and unlock worldwide lounge access and travel insurance on Scale — all in one platform.
No one pays us to influence your search results — you see every flight and hotel option at competitive rates.
Control all spend.
Allocate individual travel budgets with custom approval chains. Every booking is visible in real time.
Keep everything compliant.
Pre-enforce spending rules — class of travel, hotel rate caps, advance booking windows. No out-of-policy bookings.
Earn cashback on every trip.
Every booking earns cashback or reward points redeemable for travel. Scale subscribers also get lounge access and travel insurance built in.
"With Eduvo, our card and spend controls are fully integrated, making it easy for employees to instantly book the business trips they need."
Daniel Cho
VP Finance, Northwave Digital
Manage every trip from booking to expense.
As easy to use as your favourite travel apps — with full spend control built in.
Book directly inside Eduvo.
Search and book flights and hotels straight from the Eduvo dashboard — no third-party booking tools, no switching tabs. Bookings auto-apply your travel policy and spend limits before checkout.
Zero reimbursements.
All bookings charge directly to the company Visa card. No personal expenses, no reimbursement forms, no end-of-trip reconciliation. Everything is in the dashboard the moment it's booked.
Scale
Worldwide lounge access.
Scale plan subscribers get the Metal Visa Infinite card with complimentary access to 1,300+ airport lounges in 140+ countries — for the cardholder and one guest. No per-visit fee, no separate membership.
Scale
Travel insurance included.
Scale plan subscribers are covered by comprehensive travel insurance — including trip cancellation, flight delays, lost baggage, and personal liability. Cover applies automatically on bookings made through Eduvo.
FAQ
Common questions about Eduvo Travel.
Can I book flights and hotels directly inside Eduvo?
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Yes. Flights and hotels are searchable and bookable directly from your Eduvo dashboard — no third-party booking tool required. All bookings charge straight to your company Visa card and appear instantly in your expense dashboard.
Which plans include lounge access?
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Lounge access is included on the Scale plan. Scale subscribers receive a Metal Visa Infinite card with complimentary access to 1,300+ airport lounges in 140+ countries via LoungeKey — for the cardholder and one guest, with no per-visit fee.
What does the travel insurance cover?
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Travel insurance is included on the Scale plan and covers trip cancellation, flight delays, lost or delayed baggage, and personal liability. Cover applies automatically on bookings made through Eduvo — no separate policy to activate.
Do travel bookings earn cashback or rewards?
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Yes. All travel bookings earn the same rewards as card spend — 0.5% cashback credited to your balance, or 1 reward point per €1 spent, redeemable for flights, hotels, and gift cards. You choose at each statement period.
Which currencies are supported for travel bookings?
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Eduvo supports 10 currencies: EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, and RON. Your booking charges to the card linked to the relevant currency account, so there is no FX conversion on matching-currency transactions.
Is there a mobile app for managing travel?
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Yes. The Eduvo app is available on iOS and Android. Employees can view bookings, submit receipts with one tap, and managers can approve expenses on the go. Apple Pay and Google Pay are built in for contactless payments while travelling.
Future-proof your travel.
Upgrade your travel and expense programme to the unified platform built for European businesses.
Grow idle balances and eliminate manual cash management — while staying fully in control.
Earn yield
Grow idle cash automatically.
Deploy excess balances into short-term treasury instruments. Set your minimum operating threshold once and Eduvo allocates everything above it — automatically, every day.
Same-day liquidity
Access your funds the same day.
Unlike traditional fixed-term deposits, treasury positions can be unwound same-day. No lock-in periods. No penalties. Your capital is always accessible.
Multi-entity
Manage treasury across entities.
Set allocation rules per IBAN account — EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON. Treasury is fully integrated with your multi-currency banking dashboard.
Deploy, earn, and access — without lifting a finger.
How it works
Set it once. Let your cash work continuously.
Eduvo treasury setup takes minutes. Define your operating balance threshold and the automation handles everything — allocating, earning, and returning funds as your business needs change.
1
Set your minimum operating balance
Define the floor below which Eduvo never allocates to treasury.
2
Excess cash is automatically allocated
Everything above your threshold sweeps into treasury instruments daily.
3
Yield accrues on allocated balances
Returns are credited automatically — visible in your treasury dashboard in real time.
4
Funds return same-day when needed
When your IBAN balance drops, funds sweep back automatically — no manual action required.
Close the gap between cash sitting and cash growing.
Without treasury
✗ Idle cash earns nothing in current accounts
✗ Manual treasury management takes time
✗ Fixed-term deposits lock funds away
✗ No visibility across multi-currency balances
With Eduvo treasury
✓ Idle balances earn yield automatically
✓ Allocation rules run without manual intervention
✓ Same-day liquidity — unwind any position
✓ Full view across all IBAN accounts in one dashboard
"Eduvo treasury is basically saving us from leaving money on the table every month — it runs completely automatically and we always have same-day access to funds."
Jonathan Smith
CFO, Northwave Digital
⚠ Important risk information
Treasury products involve risk. The value of investments can fluctuate and you may receive back less than you invest. Past performance is not a guide to future results. This is not investment advice — seek independent financial advice before making investment decisions.
Eduvo treasury operates within the regulatory framework set by Wallester AS — a licensed Payment Institution regulated by the Estonian FSA, operating across the EEA and UK. Treasury balances are not covered by FSCS or national deposit guarantee schemes and are subject to Wallester's EMI safeguarding rules.
For startups
The financial stack that scales with you.
Get IBAN accounts, Visa cards, expenses, travel, and treasury — all in one scalable solution. Ready in minutes, not months.
Get a multi-currency IBAN the same day you sign up. Send SEPA payments, hold EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, and RON, and put idle cash to work with treasury trading.
✓ Same-day IBAN issuance — no branch visit required
✓ SEPA same-day transfers & SWIFT international payments
✓ Treasury trading — earn yield with same-day liquidity
✓ PSD2 compliant via Wallester AS — EEA & UK licensed
Card limits tied to your revenue — not a personal credit score. Issue physical and virtual Visa cards to your whole team in minutes, with built-in spend controls from day one.
✓ No personal guarantee required
✓ Unlimited virtual and physical Visa cards
✓ Earn 0.5% cashback or 1 point per €1 on every purchase
"Eduvo lets us earn yield on our idle cash through treasury while also processing fast SEPA payments — all in one dashboard."
Daniel Cho
Co-founder & CFO, Northwave Digital
Expense management
Eliminate expense and accounting headaches.
Receipts auto-captured. Memos auto-generated. GL categories auto-set. Your team submits expenses in seconds — your finance team closes the books in days, not weeks.
No more juggling tools. One dashboard for your whole finance team.
Multi-currency IBANs
EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON — each with a dedicated account number. SEPA same-day, SWIFT international.
Smart Visa cards
Issue cards with per-card limits, category controls, and auto-freeze. Physical, virtual, and metal on Scale.
Expense automation
Receipts captured, memos generated, GL coded — all automatically. Real-time reporting across your whole team.
Travel & treasury
Book flights and hotels in-platform. Earn rewards. Put idle cash to work with same-day treasury.
Banking
Move money across Europe without friction.
A dedicated IBAN per currency so counterparties pay you in their local currency. Same-day SEPA. SWIFT international. Scheduled payments for payroll and suppliers — all from one screen.
Set department budgets, assign them to managers, and let Eduvo enforce policy automatically. Real-time spend visibility across teams and subsidiaries — without hiring a finance ops team.
✓ Department budgets with live utilisation tracking
✓ Multi-step approval flows — auto-routed by amount
Set your operating balance threshold once and Eduvo automatically sweeps excess cash into treasury instruments — same-day liquidity, no manual intervention.
Gain control and speed across Europe with one card programme for every type of spend, built-in controls, and expense automation that handles the busywork.
No more juggling regional providers, wrestling with FX fees, or drowning in compliance busywork.
Cards
Spend smarter everywhere.
Global Visa card programme with built-in controls. Physical, virtual, and metal cards in one account.
Explore cards →
Banking
Unify your European entities.
Multi-currency IBANs across all 5 markets with custom controls, real-time visibility, and SEPA/SWIFT.
Explore banking →
Expenses
Eliminate finance busywork.
Automate receipts, approvals, GL coding, and month-end close — across every European entity.
Explore expenses →
Travel
Simplify global travel at scale.
Book, manage, and expense business travel in one platform — with spend limits and policy auto-enforced.
Explore travel →
"The transparency into spend that Eduvo provides is unparalleled. Our finance partners can see exactly how spend is trending at any point in time."
Jonathan Smith
Head of Global Finance, Mintlabs
Automate global financial management.
Eliminate manual work in every spend workflow — from provisioning to approvals to compliance.
Spend controls
Enable and control spend efficiently, locally.
Provision spend limits with built-in policies and issue Visa cards across all 5 markets. Track actuals against planned spend in real time. Automate in-policy approvals to focus on the transactions that matter.
✓ Per-card and per-team spending limits
✓ Merchant category controls & auto-decline rules
✓ Real-time spend visibility across entities
Multi-entity
Easily adapt to foreign markets and regulations.
Customise spend policies per entity, currency, and local tax rules. The right policy applies automatically to expenses — and expense reports are auto-filled to boost compliance across every subsidiary.
✓ Currency-level IBANs per market entity
✓ Local tax & VAT compliance via entity-level mapping
✓ Auto-close across all 5 European markets
Reporting
Make every spend decision a good one.
Real-time reports by entity, team, category, or period — with spend insights the moment a card is swiped, anywhere in Europe.
Spend reports
Spend insights in real time by entity, team, and category — with automatic alerts on anomalous transactions.
Compliance reports
See exactly how much spend is out of policy, which teams are responsible, and track resolution across all entities.
Transaction reports
Filter global card expenses by budget, user, category, or period — exportable to your accounting system at any time.
Security & compliance
Enterprise-grade security, built in.
From PCI-DSS Level 1 card security to PSD2-compliant payment services — Eduvo is built to meet the compliance requirements of large European businesses.
PCI-DSS Level 1
PSD2 Compliant
GDPR & DORA
Wallester FSA-licensed
3D Secure on all cards
EEA & UK regulated
Implementation
Up and running in days, not months.
Your dedicated account manager guides you through setup. Go live in as little as one week — with priority support throughout.
1
Day 1
Sign up & KYC
Business verification completed online. IBAN issued and virtual cards available the same day.
2
Days 2–4
Configure & set policies
Set up entities, currencies, teams, approval workflows, and spend rules with your account manager.
3
Day 5–7
Issue cards & go live
Issue cards to the whole team, onboard your first entities, and go live with full expense management active.
Eduvo for Marketing & Advertising
Finance as smart as your creative.
Great campaigns shouldn't wait for cash flow. Eduvo lets you control client budgets, earn rewards on ad spend, and pay freelancers instantly — across Europe.
Eduvo gives marketers and agencies the confidence to move fast, keep clients happy, and focus on delivering breakthrough work.
Stay profitable on every campaign.
Issue Eduvo Visa cards with spend limits per client or campaign. Auto-enforce policies on every transaction and get real-time alerts before overspend eats into margins.
✓ Per-client and per-campaign card limits
✓ Auto-decline out-of-policy spend at point of purchase
✓ Real-time budget alerts before thresholds are hit
Turn big media buys into bigger returns. Earn 0.5% cashback or 1 point per €1 on all card spend — including ad platforms, production, and media placements. Redeem for cash or travel.
Create separate budgets per client or project and track spend in real time. Eduvo notifies you when campaigns approach spending thresholds — before you go over, not after.
✓ Separate budgets per client, campaign, or channel
✓ Real-time spend tracking with automatic receipt capture
✓ Export client-billable expense reports at any time
Pay freelancers and media vendors without delays. Eduvo auto-captures invoices, routes approvals, and sends funds via SEPA or SWIFT — same day for European payments.
✓ SEPA same-day payment to any European supplier
✓ SWIFT for international freelancers & global media vendors
"Eduvo has been a major gain for us in efficiency on T&E and client spend. It's easy for everyone to understand where and how to spend."
Daniel Cho
VP Finance, Cruxo Creative
Eduvo for Technology
Finance that fuels innovation.
Eduvo controls SaaS sprawl, pays global vendors in multiple currencies, and offers cards with limits based on your business metrics — not a founder credit score.
Trusted by high-growth tech companies across Europe
NorthwaveVelofiStackrFinlightCruxoMintlabs
Control spend and ship faster.
Fast-moving tech companies rely on Eduvo to remove financial friction so they can focus on building, scaling, and shipping.
Get cards with real-time controls.
Keep SaaS and cloud costs in check with vendor-level spend limits. Eduvo blocks out-of-policy spend at the point of purchase — with real-time alerts for policy violations before they hit the books.
✓ Per-vendor virtual cards with built-in limits
✓ SaaS subscription tracking — know every recurring charge
Pay contractors, cloud providers, and offshore suppliers in EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, and RON. Schedule recurring payments, automate approval routing, and send via SEPA or SWIFT from one dashboard.
✓ SEPA same-day & SWIFT international payments
✓ Batch payroll for distributed engineering teams
✓ Recurring automated payments — set once, run forever
Track expenses by tool, team, or project — with real-time receipt capture, intelligent policy enforcement, and automated approvals. Finance closes the books faster; engineering never loses momentum.
Tech companies often hold significant runway in current accounts earning nothing. Eduvo's treasury tools automatically sweep excess cash into short-term instruments — earning yield with same-day liquidity when you need it.
"Each month-end close gets better because Eduvo eliminated the last-minute scramble that used to slow us down."
Jonathan Smith
Lead Accounting Manager, Stackr
Eduvo for Consulting
Finance that goes wherever your consultants do.
Keep projects profitable from kickoff to client billing. Eduvo tracks spend by engagement, captures expenses in real time, and delivers client-ready reports without extra work.
Eduvo simplifies travel, vendor payments, and reporting to keep consultants focused on clients — not paperwork.
Stay profitable on every engagement.
Issue Eduvo Visa cards with client or engagement-level limits. Auto-enforce expense policies on every transaction and get real-time alerts before overspend cuts into project margins.
✓ Cards with per-engagement or per-client limits
✓ Separate budgets per project — visible in real time
Capture receipts instantly on mobile, apply per-diem policies automatically, and book flights and hotels directly in-platform. Consultants stay focused on delivery — not paperwork.
✓ Book flights & hotels directly in Eduvo — no reimbursements
✓ Auto-capture receipts on every card transaction
✓ Per-diem and travel policy auto-enforced at booking
Route approvals in seconds and pay subcontractors or specialist providers via SEPA or SWIFT from one dashboard. Faster payments mean faster project delivery — and happier subcontractors.
✓ SEPA same-day payments across Europe
✓ SWIFT for international subcontractors & specialists
✓ Batch payments for multiple subcontractors at once
Eduvo lets you spend and pay for engagements across Spain, UK, Denmark, Sweden, and Norway in local currency — minimising FX exposure and eliminating conversion costs on client projects.
✓ 10 currencies — one account
✓ Minimise FX exposure on cross-border projects
✓ Local IBAN per currency — pay & get paid in local terms
"Eduvo allows us to spend and bill across multiple European markets in local currency — which minimises our exposure to FX swings and keeps project margins clean."
Daniel Cho
Director, Finance Operations, Velofi Consulting
Help center
How can we help you?
Guides, FAQs, and documentation for everything in Eduvo.
Browse by topic
🚀
Getting started
Account setup, KYC, and your first card
💳
Cards & payments
Visa cards, limits, virtual cards, controls
🏦
IBAN & banking
Multi-currency accounts, SEPA, SWIFT
📊
Expenses & receipts
Auto-capture, approvals, reporting
✈
Travel & rewards
Booking flights, hotels, cashback, points
🔒
Security & compliance
PCI-DSS, PSD2, GDPR, Wallester
Popular articles
How do I issue a virtual Visa card?
How long does IBAN issuance take?
How do I set a spend limit on a card?
What currencies can I hold in Eduvo?
How does Apple Pay work with Eduvo?
How do I submit a receipt?
How do I book a flight in Eduvo?
Is Eduvo regulated? Who safeguards funds?
💬
Chat with us
Our support team responds in minutes — from anywhere in Europe, in English or your local language.
🇳🇱 Amsterdam, Netherlands · Europe's biggest fintech event. Eduvo will be on the floor and hosting a breakfast roundtable for CFOs and finance leaders.
A milestone that reflects our speed, reliability, and user confidence.
Our Story
We started Eduvo with a simple idea: running business finances in Europe shouldn't mean juggling five different tools. We built the Brex for Europe — cards, banking, expenses, and travel in one platform, on regulated Visa infrastructure that scales with you.
Our Mission
To give every European business access to world-class financial tools — from a two-person startup in Madrid to a 500-person scaleup in London. Powered by Wallester's Visa infrastructure, regulated across the EEA and UK.
€2B+
Processed annually
5
Active markets: ES · UK · DK · SE · NO
Numbers
Numbers That Speak for Themselves
Trusted by businesses across Europe to move and manage money with confidence.
5,000+
Active businesses managing finances through Eduvo.
€2B+
Processed in European transactions every year.
5
Markets: Spain, UK, Denmark, Sweden, Norway.
10
EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON
5,000+
Active businesses managing finances through Eduvo.
Issue physical and virtual Visa cards to your team in seconds. Set per-card limits, lock categories, and track every transaction in real time.
Send Seamlessly
Multi-currency IBAN accounts in EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, and RON. SEPA and SWIFT transfers with same-day settlement.
Automate Expenses
Capture receipts automatically, route multi-step approvals, and close the books faster. 99% policy compliance, zero manual chasing.
Travel Booking & Rewards
Book flights and hotels directly in the platform. Every purchase earns you 0.5% cashback or 1 point per €1 — your choice. Scale plan adds metal Visa Infinite cards with worldwide lounge access.
"We're redefining how European businesses connect with their money — making finance feel simple, fast, and built for how modern teams actually work."
Jordan PatelHead of Design, Eduvo
Our Team
The people behind Eduvo
Fintech builders, ex-bankers, and product people united by the belief that European businesses deserve better financial tools.
Alex Warren
Founder & CEO — Turning complex financial tools into simple, empowering experiences.
Maya Chen
CTO — Building reliable infrastructure that scales across every European market.
Jordan Patel
Head of Design — Designing experiences that make business finance feel human.
Get started
Take control of your business finances today
Power Your Finances
Manage payments, automate workflows, and boost efficiency with Eduvo's complete financial platform for European businesses.
Discover the core tools that make managing your business finances faster, smarter, and more transparent.
Visa Corporate Cards
Issue physical, virtual, and metal Visa cards instantly. Set per-card spend limits, freeze in one tap, enable Apple Pay and Google Pay. Scale plan includes a premium metal Visa Infinite card with worldwide airport lounge access.
Multi-Currency IBAN Accounts & Transfers
Open accounts in EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, and RON with dedicated IBANs. Send SEPA and SWIFT transfers, schedule recurring payments, and manage cash across all your markets from one dashboard. Treasury trading lets you put idle balances to work.
Expense Management
Automated receipt capture, multi-step approval workflows, and real-time reporting. Employees submit expenses in seconds; finance teams approve and close the books faster — with 99% policy compliance.
Move money
Move money. Grow faster.
Introducing Eduvo — the complete financial platform for European businesses. Powerful, seamless way to manage payments, payouts, expenses, and travel — all from one place.
Get started in just a few simple steps — Eduvo makes finance effortless from setup to growth.
01
Create Your Account
Sign up and complete KYC in minutes. No complex setup, no branch visits required.
02
Open Your IBAN
Receive your multi-currency IBAN and issue your first Visa cards to your team.
03
Configure Your Setup
Set spend policies, approval workflows, and team permissions to match your business.
04
Get Support Anytime
Access our help centre or chat with our support team 24/7 — in your language.
Take Control With Every Transaction
Our Clients
Trusted by Businesses That Move Money Forward
FinWave
A next-gen payment startup using Eduvo to automate global transactions and reconcile multiple currencies in real time — saving hours every week on financial operations.
HealthSync
A health tech platform that uses Eduvo to manage pan-European expense reporting and supplier payments across 4 markets, replacing a patchwork of local bank accounts.
EduSphere
An edtech scaleup using Eduvo's virtual cards and travel booking to manage conference trips and team spend across Spain, UK, and Sweden from one dashboard.
GreenNest
A sustainable home tech company running all procurement and team expenses through Eduvo, with automated approval flows that replaced a 3-week manual process.
TravelVerse
A travel startup that books all client trips through Eduvo's built-in travel feature, charging directly to company cards — zero reimbursements, full visibility.
Cash flow
Simplified cash flow, easy control.
From payments to managing cash flow — all from one powerful platform. Get paid faster, gain more control, and keep your business moving.
3x YoY growth
Average revenue growth for Eduvo customers in year 1
Connect your favorite tools and platforms effortlessly. From payments to accounting, Eduvo keeps your business running smoothly across Europe.
Visa & Card Networks
SEPA & SWIFT Payments
Accounting Tools
Travel & Booking APIs
Consistent Growth
€10M+
Annual volume processed — and growing 3x YoY
"Our mission is simple — make finance effortless so European businesses can focus on what truly matters."
Jordan PatelHead of Design, Eduvo
3x YoY growth · Trusted by 5,000+ businesses
Book a demo
See Eduvo in action.
We'll walk you through the platform in 30 minutes — cards, banking, expenses, and treasury. No sales pressure, just a real look at how it works for businesses like yours.
30-minute live walkthrough
A product specialist shows you the platform end-to-end, live — no pre-recorded slides.
Tailored to your business
Tell us your team size and markets — we'll focus on what's most relevant to you.
No commitment required
A demo is just a demo. We'll answer your questions and let the product do the talking.
Response within 1 business day
Submit the form and we'll reach out to confirm a time that works for you.
Request your demo
Fill in your details and we'll be in touch within 1 business day.
You're booked in.
We'll reach out within 1 business day to confirm a time. Check your inbox — and your spam folder, just in case.
Annual billing: 2 months free · All prices exclude VAT
Included in Grow & Scale
AI CFO — the intelligence layer everything feeds.
Ask questions in plain language. Get instant answers about burn rate, runway, team spend, and vendor costs — all live.
✓ Live burn rate & runway prediction
✓ Automatic vendor audit & duplicate detection
✓ One-click board pack monthly
✓ Natural-language spend queries
Live examples
YOU
At current burn, what’s our runway?
EDUVO AI
11.3 months remaining
YOU
Which team is over budget?
EDUVO AI
Engineering — 23% over
Compare features
Feature
Starter
Grow
Scale
Banking
IBAN account
✓
✓
✓
10-currency support
—
✓
✓
SEPA & SWIFT transfers
✓
✓
✓
Treasury yield
✓
✓
✓
Cards
Virtual Visa card
1
Unlimited
Unlimited
Physical Visa card
—
✓
✓
Metal Visa Infinite
—
—
✓
Cashback
—
0.3%
0.5%
Expenses & spend
Basic transaction history
✓
✓
✓
Full expense management
—
✓
✓
Approval workflows
—
✓
✓
Policy-as-code controls
—
—
✓
Accounting integrations
—
✓
✓
Travel
Travel booking
✓
✓
✓
Travel & purchase insurance
—
—
✓
Airport lounge access
—
—
✓
AI CFO
Burn rate & runway
—
✓
✓
Natural-language queries
—
✓
✓
Automated board pack
—
✓
✓
Support
Email & chat support
✓
✓
✓
Payment gateway + POS
—
—
✓
Dedicated account manager
—
—
✓
FAQ
Frequently asked questions
Everything you need to know about Eduvo pricing.
Is the Starter plan really free?
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Yes. Starter is free for 1 user with no time limit. You get a live IBAN, 1 virtual Visa card, travel booking access, and treasury access. You only pay when you add more users or upgrade.
How does annual billing work?
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Annual billing gives you 2 months free (equivalent to about 17% off). You pay for 12 months upfront at the discounted rate.
Can I add users at any time?
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Yes. On Grow and Scale, each additional user is billed at the per-user rate. You can add or remove users at any time and billing adjusts from your next statement.
What is the AI CFO?
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The AI CFO is a natural-language intelligence layer across all six pillars. Ask questions like “What’s our runway?” or “Which team is over budget?” and get instant answers from your live transaction data. It also generates automated board packs monthly.
Can I upgrade or downgrade between plans?
+
Yes. Upgrades take effect immediately. Downgrades take effect at the end of your current billing cycle.
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