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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.

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More than just a bank

Cards Without Strings

Your funds are always at your fingertips: Veltpay’s instant card linking makes payments a natural part of your daily routine

Digital assets without borders

Crypto assets no longer require separate services; they are integrated and operate alongside
other assets

Safety without compromise

Strict regulations and safety features are built into the system and do not hinder the movement of vehicles

Bordersless accounts

Your personal European account becomes part of the system and operates within a single space

Unlimited transfers

Funds move freely—within the system and around the world

Create Account

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

01

Connection

Veltpay App is your key to Flow Space
By installing the app you enter a space where finances are no longer divided. A single system. A new level of possibilities.

02

Activation

After authorization, the system is ready.
The card, balance and payment system are already integrated within your Flow. You don’t need to customize anything.

03

Management

Manage your cash flow. Payments, conversions, and transfers happen instantly. No waiting, no borders.

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Create
your own reality
with the help of
FLOW

Pick your flow

Start free,
scale with growth

Flow Start

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

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

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

All the possibilities
in one space

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
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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
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.
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.
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.
Can I open an account without visiting the bank?
Yes. Registration, verification, and access to the account are handled entirely online.
What is a European IBAN?
An IBAN is an International Bank Account Number used for SEPA transfers and financial transactions within Europe.
Can Space Flow be used in Spain?
Yes. Space Flow is suitable for living, working, and daily operations in Spain and other European countries.
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 I receive my salary into this account?
Yes. You can use your European IBAN to receive transfers and payments within the SEPA zone.
Which countries are supported?
Space Flow is aimed at users within Europe and SEPA countries.
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.
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.
How do SEPA transfers work?
SEPA allows you to quickly send and receive EUR between European accounts.  
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.
Can I send money within Europe?
Yes. Space Flow supports SEPA transfers and operations within Europe.
Are there any fees for transfers?
The terms depend on the selected pricing plan and the type of transaction.
Can I receive international transfers?
Yes. Users can receive transfers to their European IBAN.
Which cards does Space Flow support?
The platform supports physical and digital Visa cards.  
Can I use Apple Pay and Google Pay?
Yes. Digital cards support Apple Pay and Google Pay.
How do I order a physical card?
The card is ordered within the app and delivered to the specified address.

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

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

Contact us