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Veltpay

An ecosystem that anyone can use to manage their finances and crypto assets. It’s a unique Flow Space for your finances, where everything works simply, quickly, and intuitively.

App Store Google Play

More than just a bank

Cards for Everyday Life

Apple Pay and Google Pay are becoming a natural part of daily payments.

Digital assets without borders

Borderless digital assets — EUR and crypto work within a single system without unnecessary transitions.

Safety without compromise

European KYC/AML standards and transaction monitoring are built into the platform’s infrastructure.

Bordersless accounts

IBAN and SEPA transfers for life, work, and daily operations in Europe.

Unlimited transfers

Funds move quickly, transparently, and securely — without extra steps.

Create Account

FLOW starts here.
3 steps and you’re in the flow

01

Connection

The Veltpay App is your key to Flow Space.
Create an account and complete your KYC

02

Activation

After authorization, the system is ready.
European IBAN, Card, and payment system combined within your Flow. No setup required.

03

Management

Use Space Flow every day — for payments, SEPA, and managing your EUR and crypto.

App Store Google Play

One Space Flow — different levels of possibilities

From daily operations and SEPA transfers to advanced financial management and digital assets.

Pick your flow

Start free,
scale with growth

Flow Core

€6,99 Month
€69,99 Year
Full access to SpaceFlow capabilities.

Flow Infinite

€19,99 Month
€199,99 Year
Minimum commissions and priority terms in all transactions

Flow Start

€0
Basic system access for day-to-day operations

A space for living in Europe

For expats, digital nomads, entrepreneurs, and those who live between countries.

Inside SPACE FLOW.
Space instead of interface

01
01

Control within the flow

Old approaches are a thing of the past… at SpaceFlow, things are done differently.

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Finances are no longer broken down into actions:

  • No separate steps, no unnecessary decisions, no constant monitoring of the process.
  • You don’t have to keep track of what’s happening—you see the result right away.
  • The interface is intuitive—you’ll get the hang of it right away.
  • And you always know exactly what’s happening with your funds—effortlessly and stress-free.
  • Payments, Currency Conversion, and Fund Transfers
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02
02

No Borders Flow

You won’t have to figure out how and through which service to send money anymore.

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You no longer need to choose services, calculate fees, or search for the best exchange rate. With SpaceFlow, this is handled at the system level.

  • Direct conversion of cryptocurrency to euros
  • Instant payments—no waiting or verification steps
  • Commission-free transfers within Veltpay
  • Lowest fees
  • Best rates
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03
03

No routine

Recurring payments are processed automatically—at the right time, without any action on your part.

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Forget about overdue bills—our automated payment system will take care of everything for you.

  • One-tap payment
  • Apple Pay & Google Pay
  • Instant execution
  • Transparency of operations
  • Automatic bill payment
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Veltpay – the safe space of your flow

Your confidence in every move:
continuous protection and absolute compliance

  • Veltpay is licensed in EU
  • Compliance with all requirements of the MICA regulator
  • Proof-of-reserve
  • Smart compliance without barriers
App Store Google Play

Feedback from our users

Дмитрий К.

Переводы доходят мгновенно. После опыта с локальными испанскими банками, Veltpay кажется технологиями из будущего

Lucía R

Lo que más valoro es la transparencia. Sin comisiones de mantenimiento ni sorpresas a final de mes. Lo que ves es lo que tienes

Elena V

The virtual cards feature is a lifesaver for subscriptions. I feel total control over my digital spending and security

Carlos S.

La app es intuitiva y vuela. Pagar mis facturas y gestionar mis ahorros ahora me lleva segundos, не minutos

Игорь С.

Все современные фишки в одном месте. Привязал карту к телефону за секунду, приложение не «падает». Рекомендую

Sarah J

Customer support that actually speaks my language and solves issues in real-time. Moving to Spain became much easier with Veltpay

Javier M

¡Por fin! Abrí mi cuenta en minutos sin tener que pedir cita previa ni llevar una montaña de papeles. Es el estándar de banca que España necesitaba

Mark D

I travel a lot between London and Madrid. The exchange rates here are the fairest I’ve found. No hidden markups on my weekend trips

Ольга П.

Очень адекватный комплаенс. Понятные запросы и быстрая проверка документов, а не блокировка счета на месяц без объяснений

Дмитрий К.

Переводы доходят мгновенно. После опыта с локальными испанскими банками, Veltpay кажется технологиями из будущего

Lucía R

Lo que más valoro es la transparencia. Sin comisiones de mantenimiento ni sorpresas a final de mes. Lo que ves es lo que tienes

Elena V

The virtual cards feature is a lifesaver for subscriptions. I feel total control over my digital spending and security

Carlos S.

La app es intuitiva y vuela. Pagar mis facturas y gestionar mis ahorros ahora me lleva segundos, не minutos

Игорь С.

Все современные фишки в одном месте. Привязал карту к телефону за секунду, приложение не «падает». Рекомендую

Sarah J

Customer support that actually speaks my language and solves issues in real-time. Moving to Spain became much easier with Veltpay

Javier M

¡Por fin! Abrí mi cuenta en minutos sin tener que pedir cita previa ni llevar una montaña de papeles. Es el estándar de banca que España necesitaba

Mark D

I travel a lot between London and Madrid. The exchange rates here are the fairest I’ve found. No hidden markups on my weekend trips

Ольга П.

Очень адекватный комплаенс. Понятные запросы и быстрая проверка документов, а не блокировка счета на месяц без объяснений

Дмитрий К.

Переводы доходят мгновенно. После опыта с локальными испанскими банками, Veltpay кажется технологиями из будущего

Lucía R

Lo que más valoro es la transparencia. Sin comisiones de mantenimiento ni sorpresas a final de mes. Lo que ves es lo que tienes

Elena V

The virtual cards feature is a lifesaver for subscriptions. I feel total control over my digital spending and security

Carlos S.

La app es intuitiva y vuela. Pagar mis facturas y gestionar mis ahorros ahora me lleva segundos, не minutos

Игорь С.

Все современные фишки в одном месте. Привязал карту к телефону за секунду, приложение не «падает». Рекомендую

Sarah J

Customer support that actually speaks my language and solves issues in real-time. Moving to Spain became much easier with Veltpay

Javier M

¡Por fin! Abrí mi cuenta en minutos sin tener que pedir cita previa ni llevar una montaña de papeles. Es el estándar de banca que España necesitaba

Mark D

I travel a lot between London and Madrid. The exchange rates here are the fairest I’ve found. No hidden markups on my weekend trips

Ольга П.

Очень адекватный комплаенс. Понятные запросы и быстрая проверка документов, а не блокировка счета на месяц без объяснений

Any questions?

If you have any additional questions, feel free to contact us.

Contact us
Does the platform use AML monitoring?
Yes. All transactions are automatically monitored in accordance with AML requirements.
Why is verification necessary?

KYC / AML are necessary to comply with European security and financial regulation requirements.

Can I use a crypto wallet for daily transactions?
Yes. The platform integrates EUR and digital assets within a single space.
What digital assets are supported?
The list of supported assets is displayed within the app.
Can I withdraw crypto to EUR?
Yes. Users can convert digital assets into euros within the system.
Can I convert between EUR and crypto?
Yes. The platform supports EUR to crypto conversion.
Can crypto be transferred within the platform?
Yes. Users can manage digital assets within the system.
What is a crypto wallet?
A crypto wallet is a digital wallet used for storing and managing digital assets.
Does Space Flow support digital assets?
Yes. The platform supports the storage, transfer, and management of digital assets within the system.
How do I block my card?
You can block or unblock your card in the app without contacting support.
Can I manage my card limits?
Yes. You can adjust your limits and security settings directly within the app.
Can I withdraw cash?
Yes. Physical cards support cash withdrawals at ATMs.
Can I use it to pay for purchases in Europe?
Yes. Space Flow cards are suitable for everyday online and offline payments.
How do I order a physical card?
The card is ordered within the app and delivered to the specified address.

Can I use Apple Pay and Google Pay?
Yes. Digital cards support Apple Pay and Google Pay.
Which cards does Space Flow support?
The platform supports physical and digital Visa cards.  
Can I receive international transfers?
Yes. Users can receive transfers to their European IBAN.
Are there any fees for transfers?
The terms depend on the selected pricing plan and the type of transaction.
Can I send money within Europe?
Yes. Space Flow supports SEPA transfers and operations within Europe.
Are there internal transfers between users?
Yes. Internal transfers within the system are processed quickly and without complex banking procedures.  
How long does a SEPA transfer take?
The speed depends on the type of transfer and the recipient’s bank. Some transactions are processed almost instantly.
How do SEPA transfers work?
SEPA allows you to quickly send and receive EUR between European accounts.  
What is SEPA?
SEPA is the Single Euro Payments Area, a payment-integration initiative of the European Union for simplification of bank transfers denominated in euro.
Can Space Flow be used as a primary account?
Yes. The platform supports daily transactions, transfers, card payments, and fund management within a single system.
Which countries are supported?
Space Flow is aimed at users within Europe and SEPA countries.
Can I receive my salary into this account?
Yes. You can use your European IBAN to receive transfers and payments within the SEPA zone.
Is Space Flow suitable for expats?
Yes. The platform is designed for people who live between countries, work in Europe, or use international financial tools.

Can Space Flow be used in Spain?
Yes. Space Flow is suitable for living, working, and daily operations in Spain and other European countries.
What is a European IBAN?
An IBAN is an International Bank Account Number used for SEPA transfers and financial transactions within Europe.
Can I open an account without visiting the bank?
Yes. Registration, verification, and access to the account are handled entirely online.
Who can open an account?
An account can be opened by an adult user who has successfully passed KYC/AML verification in accordance with European requirements.
How to open an account in Europe online?
Registration with Space Flow takes just a few minutes. After completing the KYC verification, the user gains access to a European IBAN, cards, and internal transfers within the system.
What is Space Flow?
Что такое Space Flow ?
Space Flow — это европейская финансовая платформа, объединяющая IBAN, SEPA-переводы, карты Visa / Mastercard и цифровые активы внутри одной системы для жизни в Европе.

If you have any additional questions, feel free to contact us.

Contact us
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