Flowe review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For companies needing branded payment tools, Flowe is an electronic money institution and benefit company founded by Banca Mediolanum. It provides issuing, digital walleting and core banking support for businesses creating secure personalised and sustainable payment experiences.
Key facts
- Best for
- Companies seeking branded secure payment experiences
- Card type
- Debit↗
- Legal entity
- Flowe S.p.A. SB↗
- Headquarters
- Italy↗
- Founded
- 2020↗
- Support channels
- Email, Help-centre↗
- Features
- Virtual card
- Audience
- Business
- Official website
- flowe.com
Facts checked September 29, 2026, 4 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Operates as an electronic money institution with benefit company status
- Issues branded prepaid and debit cards in physical and digital form
- Supplies walleting and core banking tools for tailored business projects
- Promotes reduced operational emissions with certified nature based compensation
Cons
- Business focused model centres on corporate clients and authorised issuers
- Digital wallet validity stays within partner networks or defined geographic areas
- Card provision follows tailored projects without a standard public catalogue
Who it suits
- Companies wanting branded payment experiences
- Businesses with physical or digital points of sale
- Organisations managing recurring or supplier payments
Who should look elsewhere
- Individuals seeking a personal debit card
- Households wanting a standard consumer account
How Flowe compares
Where Flowe is available
- Licence in Italy
- Bank of Italy, checked September 29, 2026
Frequently asked questions
Who can use the issuing service?+
Flowe provides issuing in affiliated mode for parties authorised to issue payment instruments. This includes electronic money institutions, payment institutions, banks and qualifying intermediaries where provided. It supports direct affiliation to international circuits while ensuring regulatory conformity and scheme guidelines.
Which cards does Flowe provide?+
Flowe supports branded prepaid and debit cards for business projects. Cards can be physical and digital and are issued through affiliated issuing with direct affiliation to international circuits. Each project is shaped around the business needs of the client while retaining customer ownership for the company.
How does the digital wallet work?+
The digital wallet is valid across a network of commercial partners or within a specific geographic area. It fits companies with physical or digital points of sale and recurring payments. It also supports proprietary corporate welfare platforms and simplified management of payments between suppliers.
What is Flowe approach to sustainability?+
Flowe describes itself as a benefit company and B Corp promoting a responsible model based on technology, awareness and inclusion. Its platform is designed to reduce operational emissions. Residual emissions are compensated through certified nature based credits and impact data is published in its impact report.
Which company operates Flowe?+
Flowe is operated by Flowe S.p.A. SB. (Source, checked September 29, 2026)
Where is Flowe based?+
Flowe is based in Italy. (Source, checked September 29, 2026)
When was Flowe founded?+
Flowe was founded in 2020. (Source, checked September 29, 2026)
How can I contact Flowe support?+
Flowe offers support through Email, Help-centre. (Source, checked September 29, 2026)
Sources
- flowe.com checked September 29, 2026
Backs: Legal entity
“2025 Flowe S.p.A. - SB - P.IVA 10540610960”
- flowe.com/assistenza-clienti-carte checked September 29, 2026
Backs: Card type
- flowe.com/assistenza-clienti-privati checked September 29, 2026
Backs: Support channels
- flowe.com/chi-siamo checked September 29, 2026
Backs: Founded, Headquarters, Licences
“Flowe S.p.A. - SB - P.IVA 10540610960”
- flowe.com/prodotti-carta checked September 29, 2026
Backs: Audience, Features
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.