US-headquartered banking for startups.
The most common reasons buyers tell us they're moving to an EU alternative.
CLOUD Act exposure
US authorities can compel non-EU providers to hand over data even when stored on EU servers — incompatible with strict data-sovereignty contracts.
DPAs & CJEU rulings
Multiple EU DPAs have ruled that data transfer to the US violates GDPR Article 44 without further safeguards.
Procurement requirements
Many EU public-sector and regulated tenders now require EU-jurisdiction software and data residency. Tools listed here meet those requirements out of the box.
Vendor diversity
Reducing dependence on a small number of US hyperscalers and SaaS providers is a strategic goal across many EU governments and enterprises.
SMB business banking with IBANs, cards, FX to 150+ countries, invoicing and multi-banking
Business banking for the self-employed with euro account, cards, invoicing and bookkeeping
SME bank with IBANs, salary runs, granular permissions, overdrafts and €20k–€200k loans
Digital business banking with IBAN, cards, expense management and DATEV/Lexware exports
Business banking for freelancers and SMEs with IBANs, cards, e-invoicing and accounting tools