Cada pago con tarjeta activa un aviso de recibo. Notas generadas, códigos contables asignados y aprobaciones enrutadas automáticamente. El cierre de mes, listo sin perseguir a nadie.
✓Más del 97 % de recibos capturados antes de tener que perseguir a nadie
✓Categorización contable por comercio con IA
✓Aprobaciones de varios pasos en segundos, no en días
Mantén y opera en 10 divisas con IBAN dedicados. Los pagos SEPA se liquidan el mismo día. SWIFT llega a cualquier sitio. La tesorería funciona automáticamente.
✓IBAN dedicado por divisa — emitido el mismo día
✓SEPA el mismo día + SWIFT mundial en un solo panel
Lo que dicen los equipos financieros de toda Europa.
De startups a grandes empresas — resultados reales de equipos reales.
Sarah Lee@slee_designs
"Eduvo ha transformado nuestro flujo de trabajo. La integración fue impecable y nuestra productividad se ha disparado."
Daniel Cho@dancho_fin
"Cambiar a Eduvo fue la mejor decisión para nuestro equipo financiero. Los pagos son más rápidos y los informes, claros."
Michael Turner@mturner_dev
"Después de usar Eduvo, no me imagino volver atrás. La interfaz es intuitiva y el soporte es de primera."
Emily Chen@echen_marketing
"Desde que adoptamos Eduvo, nuestro proceso financiero se ha simplificado notablemente. Tarjetas y gastos en un solo lugar."
Jonathan Smith@jsmith_sales
"Las analíticas de Eduvo nos ayudan a tomar decisiones basadas en datos sin esfuerzo. El cierre mensual pasó de días a horas."
Sarah Lee@slee_designs
"Eduvo ha transformado nuestro flujo de trabajo. La integración fue impecable y nuestra productividad se ha disparado."
Daniel Cho@dancho_fin
"Cambiar a Eduvo fue la mejor decisión para nuestro equipo financiero. Los pagos son más rápidos y los informes, claros."
Michael Turner@mturner_dev
"Después de usar Eduvo, no me imagino volver atrás. La interfaz es intuitiva y el soporte es de primera."
Emily Chen@echen_marketing
"Desde que adoptamos Eduvo, nuestro proceso financiero se ha simplificado notablemente. Tarjetas y gastos en un solo lugar."
Jonathan Smith@jsmith_sales
"Las analíticas de Eduvo nos ayudan a tomar decisiones basadas en datos sin esfuerzo. El cierre mensual pasó de días a horas."
Preguntas frecuentes
Preguntas frecuentes
Todo lo que necesitas saber para usar Eduvo.
¿Con qué rapidez puedo empezar a usar Eduvo?
+
Puedes completar el KYC en minutos. Tu IBAN se emite el mismo día y las tarjetas Visa virtuales están disponibles de inmediato — sin visitar ninguna oficina.
¿Qué países son compatibles?
+
Eduvo está disponible en España, Reino Unido, Dinamarca, Suecia y Noruega, y pronto en más mercados europeos.
¿Qué divisas puedo mantener?
+
EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON — todas con IBAN dedicados.
¿Está Eduvo regulada?
+
Yes. Payment services are provided by our partner, a Payment Institution authorized by the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) and an official Visa Principal Member (registration code 11812882), operating across the EEA and UK. PCI-DSS Level 1, PSD2 and GDPR compliant.
¿Están seguros mis fondos?
+
Tus fondos están protegidos por nuestro socio en cuentas segregadas conforme a los requisitos regulatorios de EMI.
¿Hay una aplicación móvil?
+
Sí, disponible en iOS y Android con Apple Pay y Google Pay integrados.
Tarjeta de empresa
The corporate card every growing business deserves.
Where higher spending power meets smarter controls — and expense reports do themselves.
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.
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.
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.
Earn 1 point for every €1 your team spends, pooled across the whole company and redeemable for flights, hotels, gift cards, and more. Points never expire.
1 pt/€1
Reward points
Earn a point for every euro your team spends. Pool points across the whole company and redeem through the Eduvo rewards portal — flights, hotels, gift cards, and more.
✓ Flights & hotels via Eduvo Travel
✓ Gift cards from 100+ brands
✓ Points pooled company-wide
✓ Points never expire
Estimate your points
Monthly company card spend
€50,000
€5k€500k
Illustrative only. 1 point per €1 spent; redemption values vary.
Redeem for
Flights & hotels
Book via Eduvo Travel at market rates
Account cashback
Convert points to cash credited to your balance
Gift cards
100+ brands including Amazon, Apple, and more
Scale
Airport lounges
1,300+ lounges worldwide with Metal Visa Infinite
✦
Metal Visa Infinite — benefits worth over €3,000/year
Upgrade to Scale and get the metal card, unlimited worldwide lounge access for you and a guest, and the same rewards on every transaction.
Get IBAN accounts, treasury, and SEPA/SWIFT payments — all in one solution.
IBAN AccountsTesoreríaTransfers
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
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 our partner, a Payment Institution authorized by the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) and an official Visa Principal Member (registration code 11812882), operating across the EEA and UK.
🇪🇺EUR
🇬🇧GBP
🇳🇴NOK
🇨🇿CZK
🇷🇴RON
🇪🇺EUR
🇬🇧GBP
🇳🇴NOK
🇨🇿CZK
🇷🇴RON
🇺🇸USD
🇸🇪SEK
🇵🇱PLN
🇭🇺HUF
🇩🇰DKK
🇺🇸USD
🇸🇪SEK
🇵🇱PLN
🇭🇺HUF
🇩🇰DKK
Gestión de gastos
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
"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.
Viajes
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.
Preguntas frecuentes
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.
Multientidad
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 our partner, a Payment Institution authorized by the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) and an official Visa Principal Member (registration code 11812882), operating across the EEA and UK. Treasury balances are not covered by FSCS or national deposit guarantee schemes and are subject to our partner's EMI safeguarding rules.
Para startups
La pila financiera que crece contigo.
Consigue cuentas IBAN, tarjetas Visa, gastos, viajes y tesorería — todo en una solución escalable. Listo en minutos, no en meses.
Consigue un IBAN multidivisa el mismo día que te registres. Envía pagos SEPA, mantén EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF y RON, y pon a trabajar la liquidez ociosa con tesorería.
✓ IBAN emitido el mismo día — sin visitar ninguna oficina
✓ Transferencias SEPA el mismo día y pagos internacionales SWIFT
✓ Tesorería — gana rendimiento con liquidez el mismo día
✓ Conforme con PSD2 a través de nuestro socio — con licencia en EEE y Reino Unido
Límites de tarjeta vinculados a tus ingresos — no a un historial crediticio personal. Emite tarjetas Visa físicas y virtuales para todo tu equipo en minutos, con controles de gasto integrados desde el primer día.
✓ Sin garantía personal
✓ Tarjetas Visa virtuales y físicas ilimitadas
✓ Gana un 0,5 % de cashback o 1 punto por cada 1 € en cada compra
"Eduvo nos permite obtener rendimiento de nuestra liquidez ociosa con tesorería y, al mismo tiempo, procesar pagos SEPA rápidos — todo en un panel."
Daniel Cho
Cofundador y director financiero, Northwave Digital
Gestión de gastos
Elimina los quebraderos de cabeza de gastos y contabilidad.
Recibos capturados automáticamente. Notas generadas automáticamente. Categorías contables asignadas automáticamente. Tu equipo registra gastos en segundos — tu equipo financiero cierra los libros en días, no en semanas.
✓ Controles de gasto integrados en cada tarjeta
✓ Captura de recibos y categorización de gastos automáticas
✓ Panel de gasto en tiempo real por persona, equipo y categoría
✓ Contabilidad lista para exportar en cualquier momento
"Estamos con Eduvo desde nuestros inicios. Nos han ayudado a crecer — y han crecido con nosotros en cada paso."
Jonathan Smith
Fundador y CEO, Cruxo
Comunidad
Crezcamos juntos.
Nos encanta apoyar a los fundadores europeos. Más allá del producto, Eduvo te conecta con la red y la experiencia que necesitas para crecer.
✓ Asiste a eventos para fundadores y webinars fintech por toda Europa
✓ Conecta con inversores, fondos de capital riesgo y aceleradoras de tu mercado
✓ Soporte de incorporación dedicado — en marcha en menos de 10 minutos
✓ Soporte 24/7 por chat y correo en los 5 mercados
Para empresas medianas
Crece más rápido con una plataforma financiera que va a tu ritmo.
IBAN multidivisa, tarjetas Visa inteligentes, automatización de gastos, viajes y tesorería — diseñado para la complejidad de una empresa europea en crecimiento.
Se acabó hacer malabares con herramientas. Un solo panel para todo tu equipo financiero.
IBAN multidivisa
EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, RON — cada una con un número de cuenta dedicado. SEPA el mismo día, SWIFT internacional.
Tarjetas Visa inteligentes
Emite tarjetas con límites por tarjeta, controles por categoría y bloqueo automático. Físicas, virtuales y metálicas en Scale.
Automatización de gastos
Recibos capturados, notas generadas, codificación contable — todo automático. Informes en tiempo real para todo tu equipo.
Viajes y tesorería
Reserva vuelos y hoteles en la plataforma. Gana recompensas. Pon a trabajar la liquidez ociosa con tesorería el mismo día.
Banca
Mueve dinero por toda Europa sin fricción.
Un IBAN dedicado por divisa para que tus contrapartes te paguen en su moneda local. SEPA el mismo día. SWIFT internacional. Pagos programados para nóminas y proveedores — todo desde una pantalla.
✓ 10 divisas en toda Europa
✓ Liquidación SEPA el mismo día y alcance global con SWIFT
✓ Automatización de pagos de nóminas y proveedores por lotes
Gestiona el gasto a gran escala — sin ampliar plantilla.
Define presupuestos por departamento, asígnalos a responsables y deja que Eduvo aplique la política automáticamente. Visibilidad del gasto en tiempo real entre equipos y filiales — sin contratar un equipo de operaciones financieras.
✓ Presupuestos por departamento con seguimiento de uso en vivo
✓ Flujos de aprobación de varios pasos — enrutados automáticamente por importe
✓ 99 % de cumplimiento medio de la política de gastos
"Cambiar a Eduvo fue la mejor decisión para nuestro equipo financiero. Los pagos son más rápidos, los informes son claros y la configuración llevó menos de 10 minutos."
Daniel Cho
Directora financiera, Velofi
Cada necesidad financiera, cubierta a medida que creces.
Viajes
Viajes de empresa, integrados.
Reserva vuelos y hoteles directamente desde el panel de Eduvo. Todo se carga a la cuenta de la empresa, la política se aplica al reservar y los gastos se capturan automáticamente.
Define una vez tu umbral de saldo operativo y Eduvo transfiere automáticamente el excedente a instrumentos de tesorería — liquidez el mismo día, sin intervención manual.
Finanzas de empresa, diseñadas para la escala europea.
Gana control y velocidad en toda Europa con un único programa de tarjetas para cada tipo de gasto, controles integrados y automatización de gastos que se encarga del trabajo rutinario.
Se acabó hacer malabares con proveedores regionales, lidiar con comisiones de cambio o ahogarse en trabajo de cumplimiento.
Tarjetas
Gasta de forma más inteligente en todas partes.
Programa global de tarjetas Visa con controles integrados. Tarjetas físicas, virtuales y metálicas en una cuenta.
Explorar tarjetas →
Banca
Unifica tus entidades europeas.
IBAN multidivisa en los 5 mercados con controles personalizados, visibilidad en tiempo real y SEPA/SWIFT.
Explorar banca →
Gastos
Elimina el trabajo financiero rutinario.
Automatiza recibos, aprobaciones, codificación contable y cierre de mes — en todas las entidades europeas.
Explorar gastos →
Viajes
Simplifica los viajes globales a gran escala.
Reserva, gestiona y contabiliza los viajes de empresa en una plataforma — con límites de gasto y política aplicada automáticamente.
Explorar viajes →
"La transparencia del gasto que ofrece Eduvo no tiene comparación. Nuestros socios financieros pueden ver exactamente cómo evoluciona el gasto en cualquier momento."
Jonathan Smith
Directora financiera global, Mintlabs
Automatiza la gestión financiera global.
Elimina el trabajo manual en cada flujo de gasto — desde la asignación hasta las aprobaciones y el cumplimiento.
Controles de gasto
Habilita y controla el gasto de forma eficiente y local.
Asigna límites de gasto con políticas integradas y emite tarjetas Visa en los 5 mercados. Compara el gasto real con el previsto en tiempo real. Automatiza las aprobaciones dentro de la política para centrarte en las transacciones que importan.
✓ Límites de gasto por tarjeta y por equipo
✓ Controles por categoría de comercio y reglas de rechazo automático
✓ Visibilidad del gasto en tiempo real entre entidades
Multientidad
Adáptate fácilmente a mercados y normativas extranjeros.
Personaliza las políticas de gasto por entidad, divisa y normativa fiscal local. La política correcta se aplica automáticamente a los gastos — y los informes de gastos se rellenan solos para mejorar el cumplimiento en cada filial.
✓ IBAN por divisa para cada entidad de mercado
✓ Cumplimiento fiscal y de IVA local mediante asignación por entidad
✓ Cierre automático en los 5 mercados europeos
Informes
Haz que cada decisión de gasto sea acertada.
Informes en tiempo real por entidad, equipo, categoría o periodo — con datos de gasto en el momento en que se usa una tarjeta, en cualquier lugar de Europa.
Informes de gasto
Datos de gasto en tiempo real por entidad, equipo y categoría — con alertas automáticas sobre transacciones anómalas.
Informes de cumplimiento
Ve exactamente cuánto gasto está fuera de política, qué equipos son responsables y haz seguimiento de su resolución en todas las entidades.
Informes de transacciones
Filtra los gastos de tarjeta globales por presupuesto, usuario, categoría o periodo — exportable a tu sistema contable en cualquier momento.
Seguridad y cumplimiento
Seguridad de nivel empresarial, integrada.
Desde la seguridad de tarjetas PCI-DSS nivel 1 hasta servicios de pago conformes con PSD2 — Eduvo está diseñado para cumplir los requisitos de cumplimiento de las grandes empresas europeas.
PCI-DSS Level 1
Conforme con PSD2
GDPR & DORA
Socio con licencia FSA
3D Secure en todas las tarjetas
Regulada en EEE y Reino Unido
Implementación
En marcha en días, no en meses.
Tu gestor de cuenta dedicado te guía en la configuración. Empieza a operar en tan solo una semana — con soporte prioritario en todo momento.
1
Día 1
Registro y KYC
Verificación de empresa completada en línea. IBAN emitido y tarjetas virtuales disponibles el mismo día.
2
Días 2–4
Configura y define políticas
Configura entidades, divisas, equipos, flujos de aprobación y reglas de gasto con tu gestor de cuenta.
3
Días 5–7
Emite tarjetas y empieza a operar
Emite tarjetas para todo el equipo, incorpora tus primeras entidades y empieza a operar con la gestión de gastos totalmente activa.
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
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
Centro de ayuda
How can we help you?
Guides, Preguntas frecuentess, 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
🔒
Seguridad y cumplimiento
PCI-DSS, PSD2, GDPR, Visa Principal Member
Preguntas frecuentes
The answers our customers reach for most. Use the search above to filter.
How do I issue a virtual Visa card?
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From your Eduvo dashboard, open Cards, choose New card, and select Virtual. Set the card name, spending limit, and any merchant controls, then create it — the card is ready to use instantly. Add it to Apple Pay or Google Pay, or copy the details for online payments. You can issue as many virtual cards as you need, including single-use cards for one-off purchases.
How long does IBAN issuance take?
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Once your business has completed KYC/KYB verification, your dedicated IBAN is issued the same day — usually within minutes. There is no branch visit and no paperwork to post. You can start receiving SEPA payments immediately, and issue additional IBANs in other currencies whenever you need them.
How do I set a spend limit on a card?
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Open any card in the dashboard and edit its limit — you can set per-transaction, daily, or monthly caps. Limits change instantly and can be adjusted at any time. You can also lock a card to specific merchant categories, freeze it in one tap, or apply limits across a whole team rather than card by card.
What currencies can I hold in Eduvo?
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Eduvo supports 10 currencies — EUR, USD, GBP, SEK, NOK, DKK, PLN, CZK, HUF, and RON — each with its own dedicated IBAN. You can hold, send, and receive in any of them without converting, so counterparties pay you in their local currency and you only convert when it suits you.
How does Apple Pay work with Eduvo?
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Every Eduvo Visa card — physical or virtual — can be added to Apple Pay and Google Pay. Open the card in the dashboard and tap Add to Apple Pay, or add it directly from your phone’s wallet app. Once added, you can pay in stores and online with your phone or watch, with the same limits and controls as the underlying card.
How do I submit a receipt?
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You rarely have to chase it. When you pay with an Eduvo card, you get a push notification within seconds prompting you to snap a photo of the receipt. Tap once, take the photo, and it is matched to the transaction automatically. If a receipt is still missing, the system sends a reminder, so finance never has to chase it manually.
How do I book a flight in Eduvo?
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Travel booking is built into the platform. Open Travel, search for flights or hotels, and book directly — the cost is charged straight to your company card, policy is enforced at the point of booking, and the expense is captured automatically. There is no separate travel tool and no reimbursement to process afterwards.
¿Está Eduvo regulada? Who safeguards funds?
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Eduvo is a financial technology platform, not a bank. Banking and payment services are provided by our partner, a Payment Institution authorized by the Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) and an official Visa Principal Member (registration code 11812882), operating across the EEA and UK. Customer funds are safeguarded in segregated accounts under EMI safeguarding rules, kept separate from the institution’s own funds.
How much does Eduvo cost?
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Eduvo offers Free, Pro, and Scale plans. The Free plan includes an IBAN and your first cards at no cost; paid plans add per-user features, travel booking, treasury, and the metal Visa Infinite card. No credit card is required to get started — see the Pricing page for current details.
How do I add my team to Eduvo?
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Invite colleagues from the dashboard under Team, assign each a role — admin, manager, or member — and issue them a card with the limits and controls you choose. Role-based access means people only see what they need, and you can onboard your whole team in minutes.
Does Eduvo offer cashback or rewards?
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Yes. Every card purchase earns 0.5% cashback or 1 reward point per €1 — your choice. Points are pooled company-wide and can be redeemed for flights, hotels, gift cards, and more. Rewards apply to all spend, including ad platforms and software subscriptions.
Which countries does Eduvo support?
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Eduvo is currently live in Spain, the United Kingdom, Denmark, Sweden, and Norway, with more European markets coming soon. You can hold and transact in 10 currencies regardless of where your business is based across the EEA and UK.
Can I earn yield on idle cash?
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Yes, through Eduvo treasury. Set an operating-balance threshold and Eduvo automatically puts excess cash to work, with same-day liquidity so funds are available when you need them. Treasury is available on the Scale plan. Treasury products involve risk — please see our regulatory disclosures.
How does Eduvo connect to my accounting software?
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Eduvo exports clean, categorised transaction data to your accounting system, with GL codes set automatically through merchant-level rules. This keeps your books current without manual re-entry and turns month-end into a review rather than a data-entry sprint.
¿Hay una aplicación móvil?
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Yes. Eduvo is available on iOS and Android, with Apple Pay and Google Pay built in. You can issue cards, approve expenses, capture receipts, and freeze a card from your phone — wherever you are.
How do I freeze or cancel a card?
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Open the card in the dashboard or mobile app and freeze it in one tap — useful if a card is lost or you spot something unusual. Freezing is instant and reversible; to cancel permanently, choose Cancel card. Virtual cards can be created and cancelled freely at any time.
No answers match your search. Try a different term, or contact our team.
Webinars
Level up your finance knowledge.
Join live sessions with Eduvo's product team, finance experts, and customers — or watch on-demand whenever it suits you.
🇳🇱 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 que crece contigo.
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 our partner'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.
Empezar
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.
Empezar 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
Solicita una 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
Banca
IBAN account
✓
✓
✓
10-currency support
—
✓
✓
SEPA & SWIFT transfers
✓
✓
✓
Treasury yield
✓
✓
✓
Tarjetas
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
—
✓
✓
Viajes
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
—
—
✓
Preguntas frecuentes
Preguntas frecuentes
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?
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Yes. Upgrades take effect immediately. Downgrades take effect at the end of your current billing cycle.
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