Who owns Flowe?
short answerFlowe is an e-money institution, not a bank. Customer money is safeguarded in segregated accounts at partner banks rather than held as insured deposits.
Is Flowe a licensed bank?
No — it is an e-money institution. Licence detail: E-money institution (IMEL, Bank of Italy, 2019); founded by Banca Mediolanum.
Where is your money held?
Custody model: Custodial.
Flowe runs on: Temenos (core banking platform). Full stack on the infra map.
Is my money safe with Flowe?
As an e-money institution, Flowe safeguards funds in segregated accounts rather than insuring them as deposits. That protection works differently from a bank — money is generally not covered by deposit-guarantee schemes, though it must be ring-fenced from the company's own funds.
go deeperSee the full Flowe profile with every verified field, or Flowe alternatives. Raw fields: data.json.
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.