Flouci
Tunisia's financial super-app by Kaoun — free bank account + wallet with the first e-KYC and home-delivered card in the country.
Tunisia's digital-banking super-app; BCT sandbox; 250K+ accounts.
The facts
| Category | traditional · underbanked |
| HQ | Tunis, TN |
| Founded | 2018 |
| Custody | Custodial |
| Regulation type | Other / mixed |
| License detail | Partner-bank model — BCT regulatory sandbox (1st cohort, 2020); not a bank |
| Card | Visa · Debit (physical + virtual) |
| Yield | ~7% savings account |
| Stablecoins | No |
| KYC | Yes |
| Active regions | Africa |
| Countries | Tunisia |
| Founders | Nebras Jemel, Anis Kallel, Rostom Bouazizi (Kaoun) |
| Funding | ~$2M raised |
Verified links: official site ↗ · terms ↗ · privacy ↗
Common questions about Flouci
What is Flouci?
Flouci is a fiat neobank built for underbanked, headquartered in Tunis, TN and founded in 2018. Your money is held custodially, so Flouci or its partner bank holds the balance and you hold a claim on it. Its regulatory structure is mixed (Partner-bank model — BCT regulatory sandbox (1st cohort, 2020); not a bank).
Does Flouci have a card, and where can you use it?
It issues a Visa debit (physical and virtual) card. It is available in Africa.
Does Flouci require KYC?
Yes. Flouci requires identity verification (KYC) to open an account, as a other / mixed.
What does Flouci cost?
From the verified fields: yield ~7% savings account. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Flouci before relying on them.
Early investors
Peers
Wise · TymeBank · OPay · PalmPay · Bank Zero · Discovery Bank
Flouci appears in
Neobanks available in Africa (92) · Neobanks built for the underbanked (23) · Neobanks that issue a Visa card (182)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.