Flowe review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
For companies seeking branded issuing and digital wallet tools, Flowe is an Electronic Money Institution founded by Banca Mediolanum that works with businesses on secure and personalised payment experiences. It serves organisations wanting affiliated issuing through international circuits with a responsible and sustainable approach.
Key facts
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Issues branded prepaid and debit cards in physical and digital formats for businesses.
- Provides wallets that work across partner networks or defined geographic areas.
- Supports affiliated issuing projects tailored to each client with regulatory compliance ensured.
- Operates as a Benefit Company and B Corp promoting responsible and inclusive technology.
Cons
- Serves businesses only, so private customers cannot open a personal account.
- Wallets remain valid only within partner networks or specific geographic areas.
- Affiliated issuing addresses authorised institutions, which restricts broader business access.
Who it suits
- Companies wanting branded payment experiences
- Organisations managing recurring sales or supplier payments
- Businesses running proprietary welfare platforms
Who should look elsewhere
- Private individuals seeking personal cards
How Flowe compares
Frequently asked questions
What does Flowe offer to businesses?+
Flowe provides branded payment systems for companies through a Banking-as-a-Service model. The range extends from card issuing to digital walleting and core banking tools. Each solution aims to create secure and personalised payment experiences with added visibility for the business.
Which cards can companies issue with Flowe?+
Companies can issue branded prepaid and debit cards in physical and digital form. Issuance happens through direct affiliation to major international circuits. Every project is shaped around the business needs while respecting regulatory requirements and scheme guidelines.
How does the Flowe wallet work in practice?+
The digital wallet functions as a branded and flexible payment instrument for defined uses. It remains valid within a partner commercial network or a specific geographic area. It supports businesses with physical or digital stores, recurring payments, proprietary welfare platforms and simplified supplier payments.
Who is behind Flowe?+
Flowe is an Electronic Money Institution founded by Banca Mediolanum. It accompanies companies in developing digital payment solutions and retains client ownership for partner businesses. It operates as a Benefit Company that seeks a positive impact on people and the planet.
What is Flowe approach to responsible infrastructure?+
Flowe measures its impact daily and designs its platform to reduce operational emissions. Residual emissions are compensated through certified nature-based credits. As a Benefit Company and B Corp, it promotes technology guided by awareness and inclusion.
Sources
- flowe.com/assistenza-clienti-privati checked September 26, 2026
Backs: Support channels
- flowe.com/chi-siamo checked September 26, 2026
Backs: Founded
- flowe.com/contatti checked September 26, 2026
Backs: Legal entity
“2025 Flowe S.p.A. - SB - P.IVA 10540610960”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.