# https://www.finmo.net/ llms-full.txt ## Finmo Treasury Management ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). # Connected financial intelligence and control Turn disparate financial data from your business into connected future-facing intelligence. And then act on it: move money globally, optimize liquidity, and manage FX risk from one treasury management platform. [Get started for free](https://dashboard.finmo.net/signup) [Watch walkthrough](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fedb0c7ae3859890e09b999c0c67db1cfe56d56bc-2000x1140.webp&w=3840&q=100) Treasury management for modern finance teams Realtime payments global payment and banking integrations Get started in minutes with simple sign up Why Choose Finmo? ## Connected intelligence and control for the modern CFO Overcome the challenges of data complexity, business silos and market volatility. With Finmo, CFOs can evolve from controllers of risk, to creators of opportunity. ![](https://cdn.sanity.io/images/3m8qrzh6/production/1a4a38e6066fddf8f3ceaf283a6d39c4b1df210c-548x656.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F33be6fffe5df28a48133e3f9ba028e0dddce3fec-1094x1312.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/81cdda12dbcb26da64c322abf7ca55110588bb1b-547x656.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc0c2849d739afd6de78fc3f7fb3b3da9d3e38939-1094x1312.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/1a4a38e6066fddf8f3ceaf283a6d39c4b1df210c-548x656.svg) Connect ## Unite your data Connect all your financial data across banks and softwares into a modern treasury management system for real-time visibility of global cash positions across accounts, currencies and entities. [Connected dashboard](https://www.finmo.net/product/connected-financial-dashboard) [Cash visibility](https://www.finmo.net/product/cash-visibility) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F33be6fffe5df28a48133e3f9ba028e0dddce3fec-1094x1312.webp&w=3840&q=100) Control ## Automate the day-to-day Send and automate real time collections across 30+ currencies and pay-outs across 180+ countries – and automatically reconcile everything to your existing systems. [Payments](https://www.finmo.net/product/payments) [AR/AP Automation](https://www.finmo.net/product/ap-ar-automation) ![](https://cdn.sanity.io/images/3m8qrzh6/production/81cdda12dbcb26da64c322abf7ca55110588bb1b-547x656.svg) Command ## See the future Forecast and manage cash flow across multiple accounts and entities with real-time data and insights, using a modern treasury management system to unlock liquidity and reduce risk. [Cash forecasting](https://www.finmo.net/product/cash-flow-forecasting) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc0c2849d739afd6de78fc3f7fb3b3da9d3e38939-1094x1312.webp&w=3840&q=100) Create ## Seize opportunity Use a treasury solutions to drive value creation and create opportunity based on future surpluses or shortfalls. Optimize working capital with smart FX hedging strategies, and invest idle cash. [Working capital optimisation](https://www.finmo.net/product/working-capital-optimisation) We’re trusted by finance teams across Asia Pacific - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/3f680677463fd3d0fb174cda7951049e7a8c612f-309x260.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F21fd29f5c120e42607fa77c0052e516433b8c153-410x260.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) Testimonials ## Here’s what our clients are saying… > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay Our expertise ## Founded by treasury and payments experts Our team has over 100 years of combined experience launching and leading globally recognised fintech, payments and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F575dd15a93b7bd10d6be1376d55fd6835e1342c4-462x509.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9722a45af2058a6caae450b91a970019d6ec58bd-462x509.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0819fdfee0dde57115b323607ab36bcfa86ba618-462x509.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F956aafc8c7abc33b182f2e712ef11d40dc1a5cc5-462x509.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1256a9d5c39111febd36b576abaaa4182ec6cbb1-462x509.webp&w=3840&q=100) Statistics ## Finmo by numbers 0123456789 platform to run your treasury 0123456789+ pay-out countries 0123456789+ bank integrations $0123456789B+ transactions processed in USD 0123456789 global banking partners 0123456789+ pay-in currencies ![](https://cdn.sanity.io/images/3m8qrzh6/production/5c3d0348fad5ee548f62fa71ec50aab40b7887b5-547x656.svg) World class security ## Safe in our hands We hold your money with leading global financial institutions. Our treasury management software ensures your funds are always safeguarded in line with the local regulations where Finmo operates. [Licenses and Registrations](https://www.finmo.net/about/license-and-registrations) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd35c6f0413cc02ee9fa8cfabbe5a330cb6697f5a-1094x1312.webp&w=3840&q=100) Responsive support ## Talk to our treasury experts Got a question about your treasury needs? Get immediate support through our in-dashboard widget, or email support any time. And visit our Guide for step-by-step help with onboarding and integrations. [Onboarding guide](https://docs.finmo.net/docs/support) Streamlined onboarding ## Get started fast Sign up and start exploring our dashboard today.
Or book a demo to talk things through with our team. Our slick 4-step onboarding and KYB process will get you up-and-running securely and removes unnecessary process and paperwork. [Get started for free](https://dashboard.finmo.net/signup) [Talk to our experts](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) Frequently asked questions What is Finmo and how is it different from traditional treasury management systems? Finmo is a next-gen treasury management system built to turn fragmented financial data into connected intelligence CFOs and finance teams can act on. Unlike traditional treasury platforms, Finmo takes a modular approach, so you can start with what you need and scale as you grow. Sign up and get started in minutes, without lengthy onboarding or complex implementation cycles. Finmo offers a connected financial dashboard that brings together. \- Real time cash visibility across banks, entities, and currencies \- Cash forecasting \- AR/AP automation \- Global payments and cash management \- Working capital optimisation Finmo integrates seamlessly with your existing banks, ERPs, and accounting software, enabling teams to manage and automate treasury and financial operations from a single platform. Who is Finmo’s treasury management software designed for? Finmo is designed for finance leaders, CFOs, and CEOs to ensure that there is financial visibility and control across the business. It supports startups, scale-ups, and mid-market companies managing growing operational complexity - multiple bank accounts, entities, currencies, and markets. Finmo’s treasury management platform helps leadership teams move beyond day-to-day cash operations to better planning, cost optimization, and value creation, without the overhead of traditional enterprise treasury systems. What treasury processes can Finmo help automate? Finmo automates core treasury processes across cash, payments, and financial workflows, giving finance teams real-time visibility and actionable intelligence from a single platform. Cash visibility: Get an aggregated, real-time view of cash balances across all entities, bank accounts, and currencies. Cash analytics and forecasting: Analyze historical and real-time cash data to forecast future positions, model scenarios, and plan liquidity with confidence. AR/AP workflows: Streamline and automate accounts receivable and payable processes, from invoice tracking and [invoice processing](https://finmo.net/ar-ap-invoices) to payment execution. Payments: Collect funds in 30+ currencies and make payouts to 180+ countries, all from one unified payments layer. Connected financial intelligence: Surface AI-generated insights from your cash flow data to highlight risks, anomalies, and opportunities before they impact the business. Working capital optimization: Put excess liquidity to work by optimising cash usage and investing idle balances in mid-market funds. How does Finmo connect to our banks, ERP and accounting software? Finmo offers API-based and file-based integrations so you can connect multiple banks, payment providers, and finance systems into a single treasury management system. IT teams can create these connections directly using a HTTP/REST library, while non-technical users can use no-code solutions and connect via the Finmo dashboard. Once connected, data syncs in near real time, giving you consolidated cash and transaction views across entities, currencies, and accounts. Refer to our [API Reference document](https://docs.finmo.net/reference/introduction-old) for more information on our API integrations. How does Finmo ensure security and compliance across financial operations? Finmo is built with enterprise-grade security and complies with applicable regulatory requirements for money movement, while maintaining strong controls across all treasury and financial workflows. Client funds are held with leading global financial institutions, and Finmo adheres to recognised security standards including SOC 2 Type II, ISO 27001, and PCI-DSS to ensure data protection, platform integrity, and secure payment processing. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/#) Reject AllAccept All ## Finmo Financial Services # Financial Services Guide Contents - [Purpose and contents of this financial services guide](https://www.finmo.net/hk/financial-services-guide#purpose-and-contents-of-this-financial-services-guide) - [Unless defined herein](https://www.finmo.net/hk/financial-services-guide#unless-defined-herein) - [About Finmo](https://www.finmo.net/hk/financial-services-guide#about-finmo) - [Accessing and using our services](https://www.finmo.net/hk/financial-services-guide#accessing-and-using-our-services) - [Professional indemnity insurance](https://www.finmo.net/hk/financial-services-guide#professional-indemnity-insurance) - [Record keeping obligations](https://www.finmo.net/hk/financial-services-guide#record-keeping-obligations) - [Who do we act for?](https://www.finmo.net/hk/financial-services-guide#who-do-we-act-for) - [Remuneration](https://www.finmo.net/hk/financial-services-guide#remuneration) - [Interest](https://www.finmo.net/hk/financial-services-guide#interest) - [Referral to Finmo](https://www.finmo.net/hk/financial-services-guide#referral-to-finmo) - [Disclosure of conflict of interest](https://www.finmo.net/hk/financial-services-guide#disclosure-of-conflict-of-interest) - [Dispute resolution](https://www.finmo.net/hk/financial-services-guide#dispute-resolution) - [Privacy](https://www.finmo.net/hk/financial-services-guide#privacy) ## Purpose and contents of this financial services guide This Financial Services Guide (“FSG”) is prepared by Paynow Technology Pty Ltd trading as Finmo Tech ACN 642 442 215 (“Finmo”, “us” “we” or “our”). Paynow Technology Pty Ltd trading as Finmo Tech is a subsidiary of Finmo Tech Pte Ltd, which (together with its subsidiaries globally) operates the “Finmo” brand. The information in this FSG relates to the Services provided by the Australian subsidiary. This FSG is designed to provide you with important information regarding our Services prior to providing you with a financial service and assist you in you in deciding whether to use any of the services offered in this FSG, including the following: - who we are & how you can contact us; - what services we are authorised to provide; - how we are remunerated for these services; - any (potential) conflicts of interest we may have; and - our dispute resolution process. ## Unless defined herein Capitalised words used in this FSG have the meanings as defined in the Product Disclosure Statement. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## About Finmo Finmo holds an Australian Financial Services Licence Number 535371 and is authorised to provide financial services relating to its non-cash payment product (NCP) to both retail and wholesale clients. You can contact us at: Address: Level 17, Chifley Tower Chifley Square Sydney, NSW 2000 Australia Email: compliance@finmo.net Website: www.finmo.net ## Accessing and using our services To access and use our Services, you must first register for an Account via the Finmo Platform, which is accessible via our website. By registering for an Account, you agree to the terms in our Business Terms and Conditions (available at [https://finmo.net/terms-conditions](https://www.finmo.net/terms-of-service), or an electronic copy can be provided by us free of charge upon request), Privacy Notice, the PDS, and this FSG. Your application for an Account must be approved by Finmo. Finmo reserves the right to refuse to open an Account for any person. ## Professional indemnity insurance In compliance with section 912B of the Corporations Act 2001 (Cth) and Australian Securities and Investments Commission Regulatory Guide 126, Finmo maintains professional indemnity insurance in connection with the financial products and services it provides, including any claims in relation to the conduct of Finmo’s former representatives/employees. ## Record keeping obligations Finmo will seek to ensure that comprehensive and accurate records of all client transactions and advice provided, are properly maintained. ## Who do we act for? Finmo is responsible for the financial services it provides to you under its Australian Financial Services Licence and does not act on behalf of any other financial services licensee. ## Remuneration Remuneration, commission & benefits expected to be received by Finmo for provision of financial services Finmo receives the following fees for the Services provided to its customers. - Transaction fees: Finmo receives transaction fees for each payin or payout transaction. The fees will vary based on the source and destination currencies and countries of the transaction, the size and frequency of your transaction, and the payment method used in the transaction. The exact fee applicable for each transaction will be disclosed to you in the Merchant Services Agreement (MSA) signed at onboarding. - Foreign exchange charges: Where currency conversion is required in respect of any transaction, Finmo will apply the prevailing exchange rate disclosed to you on the Finmo Platform which includes a percentage earned by Finmo. - Other fees and charges: Finmo may also charge you a fee for failed transactions, refunds, recalls or disputed transactions. ## Interest Finmo may also earn interest on the monies from the bank or other approved deposit-taking institution with which we hold funds received from our customers or on their behalf. The employees and partners of Finmo may also receive salaries, performance bonuses, commissions and other remuneration from Finmo. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Referral to Finmo Finmo may pay referral fees to any businesses or companies that refer their customers to use the Services, which may be a percentage of the remuneration received by Finmo or a fixed amount agreed with each referrer. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Disclosure of conflict of interest Finmo may pay referral fees to any businesses or companies that refer their customers to use the Services, which may be a percentage of the remuneration received by Finmo or a fixed amount agreed with each referrer. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Dispute resolution Finmo has an internal dispute resolution process in place to resolve any complaints or concerns you may have, as quickly and fairly as possible in the circumstances. Any complaints or concerns should be directed to us via our Compliance team at compliance@finmo.net. We will seek to resolve your complaint within 30 calendar days or such further time period that may reasonably be required given the nature of the complaint. We will investigate your complaint, and provide you with our decision, and the reasons on which it is based, in writing. If you are dissatisfied with the outcome, you have the right to lodge a complaint with the Australian Financial Complaints Authority, an approved external dispute resolution scheme, of which Finmo is a member. Australian Financial Complaints Authority Phone: 1800 931 678 Post: GPO Box 3, Melbourne, Victoria 3001 Website: www.afca.org.au ## Privacy Your privacy is important to us and we are committed to compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We may disclose your personal information to external parties who act on our behalf in the operation of our business or in connection with the transactions to be undertaken. Such external parties are required and committed to protecting your privacy and where they are offshore, we take reasonable steps to ensure that to the maximum extent reasonably possible any information sent has the same level of privacy protection as we provide here in Australia. We will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us via the email provided if you have any concerns. Finmo will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us by writing to compliance@finmo.net if you have any concerns. Full details of Finmo’s privacy policy are available at [https://finmo.net/privacy-policy](https://www.finmo.net/privacy-policy). We will retain information obtained from you only as long as required by our regulatory obligations. This includes information required in order for us to comply with applicable laws and regulations for the prevention of money-laundering and counter-terrorism financing. The law allows you (subject to permitted exceptions) to access your personal information. You can do this by contacting us using our contact details set out in this FS. Where necessary, we will correct personal information where that information is found to be inaccurate, incomplete or out of date. We will not charge an individual for reasonable access and correction requests. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/financial-services-guide#) Reject AllAccept All ## Connected Financial Dashboard Connected Dashboard # Financial command and control Connect all your bank accounts, ERPs and accounting software to create a multi-entity dashboard that functions as your financial command centre. [Watch demo](https://youtu.be/UW_kbYhvG0g) ![](https://cdn.sanity.io/images/3m8qrzh6/production/a7db5c4a30bb77b72fadc1545cbb9be7298ff8d9-600x675.svg) One Dashboard ## One integrated finance dashboard to do it all No more logging into multiple accounts, software, or spreadsheets. From checking balances to making payments to managing FX, see and do it all in one treasury dashboard. API Integrations Smash the silos Get fragmented systems – even across different entities – speaking to each other. Connect bank accounts, payment systems, accounting software and ERPs for an always-on, automatically-synced view. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5b9f83c5ba6b3c1b3ba449e7236cefc49679d63b-547x310.svg) Realtime data sync Unite your data No more fetching, cleaning and reconciling numbers. With purpose-built architecture keeping all your systems integrated in a single dashboard, disparate financial data becomes connected and contextual real-time intelligence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d37c96b4868c98e8a4e578bd73ec3762eb8992e1-547x310.svg) Cash visibility See the big picture Get a consolidated view of your balances, receivables, and financial transactions. Track and forecast cash flow confidently with unified cash visibility in one connected dashboard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3028f961f4da0c31947fac30202b496d1212e146-1094x1040.webp&w=3840&q=100) AR & AP Automations Automate the grind Replace manual invoicing and payments with intelligent workflows that streamline and automate AR/AP, and reconcile data with your accounting systems. ![](https://cdn.sanity.io/images/3m8qrzh6/production/89aae6c74a2dee39eb1c049019a4489faaa19339-547x310.svg) Integrated Payments One-touch transactions Use Finmo’s multi-entity global payment network to make financial transactions across the world with a single connection. Or make frictionless payments via the Finmo dashboard without ever logging into your bank. ![](https://cdn.sanity.io/images/3m8qrzh6/production/576559053cdd913c856331d6da709f8d8aa86b30-547x310.svg) FX and investments Optimize for tomorrow Drive future value creation using forecasting and analysis to optimize working capital, reduce FX risk and invest surplus cash. ![](https://cdn.sanity.io/images/3m8qrzh6/production/012ae728e6ab2150c568bae57434165372b3dfc3-547x310.svg) AI co-pilot Need-to-know? Ask MO. Find answers fast with MO AI, our specialist fin-ops co-pilot. Ask questions, get insights, make forecasts and take action using text or with simple voice-based requests. ![](https://cdn.sanity.io/images/3m8qrzh6/production/c735e297f517049c016c53e1331ad023b8a51781-547x310.svg) Easy API integrations ## Connect all your financial data Forget old-fashioned legacy treasury systems that demand labour-intensive custom integrations, Finmo’s integrated dashboard is purpose-built for the modern finance stack. Smoothly connect banks, accounting systems, and ERP software via our easy-to-use APIs with minimal tech lift. Banks and Payment Systems integration Multi-entity integration lets you connect your existing accounts via API or manual upload to provide a consolidated view across every bank account and payment system at a group or entity level. Key features All Accounts in One View: Aggregate balances and transactions across banks and payment systems without switching between portals. Flexible Views: Switch between a consolidated company-wide view or drill down to individual accounts. Multi-Currency Visibility: Track balances in local currencies or view everything in a single display currency. Granular Control: Decide which accounts to sync and monitor. ERP & Accounting Software integration Connect directly with your ERP and accounting software to keep cash data and payments in sync in real time. No more manual uploads or delays. Key features Seamless Data Exchange: Instantly share data between your ERP/accounting systems and Finmo. Receivables Management: Automatically pull open supplier invoices into Finmo for payment scheduling. Automated Payments: Approve and send supplier payments at maturity directly from Finmo. Reconciliation Made Easy: Post cleared items back into your ERP for faster, cleaner reconciliation. ## Make the invisible, visible Get real-time visibility of your payables, receivables and cash position. [Cash visibility](https://www.finmo.net/product/cash-visibility) ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions What is the Finmo connected financial dashboard? Finmo’s Connected Financial Dashboard is a single, unified interface that brings all of a company’s financial data into one place, eliminating the need to toggle between multiple bank portals, accounting systems, ERP systems and spreadsheets. Powered by easy API integrations, the dashboard aggregates real-time balances, payment activity, cash positions, and transactional data across every connected account and system. It acts as the central nerve center for modern finance teams, giving CFOs and treasury leaders a holistic view of liquidity, exposures, and operational workflows without manual reconciliation or delayed reporting. In practice, this means you can: See complete financial visibility \- live balances and transactions across banks, ERPs, and software Execute core workflows \- payments, approvals, FX management, and reconciliation Reduce risk and manual work \- automated data syncing replaces exports, uploads, and spreadsheets Make faster decisions \- one source of truth with drill-down, filters, and analytics How is this different from a standard financial dashboard? Traditional TMS platforms are built for large enterprises and are complex to implement, slow to deploy, and largely focused on reporting. Finmo is cloud native and purpose built for startups, SMEs, and mid market companies. You can sign up, connect your banks and systems, and get started in minutes without heavy implementation or IT overhead. Because Finmo sits directly in the flow of funds, data on the dashboard is real time and actionable. Finance teams can see balances, approve and execute payments, and manage workflows from one place. Finmo scales with you as your business grows without switching systems or enterprise complexity. What systems can I connect to Finmo’s connected dashboard? Finmo connects to banks, accounting software, and ERP systems through secure APIs. This allows finance teams to sync balances, transactions, and payment activity across all connected accounts in one place. How long does it take to set up Finmo’s connected dashboard? Finmo is cloud native and designed for fast setup. You can sign up, connect your systems, and get started in minutes without long implementation cycles or heavy IT involvement. Who is Finmo’s connected financial dashboard built for? Finmo is purpose built for startups, SMEs, and mid-market companies that need real-time cash visibility and control without the complexity of enterprise treasury systems. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). 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ech-finmo-launches-mo-ai-co-pilot-global-finance2026-03-18T12:19:53Zhttps://www.finmo.net/resources/newsroom/july-newsletter-finmo-s-latest-updates-in-treasury-management2026-02-20T11:51:51Zhttps://www.finmo.net/resources/newsroom/august-newsletter-finmo-s-latest-updates-in-treasury-management2026-03-18T12:11:24Zhttps://www.finmo.net/resources/newsroom/finmo-x-fiskil-transforming-treasury-with-real-time-financial-visibility2026-03-18T12:11:38Zhttps://www.finmo.net/resources/newsroom/september-monthly-product-update2026-02-23T09:31:41Zhttps://www.finmo.net/resources/newsroom/finmo-dfsa-in-principle-approval-financial-services-licence-dubai2026-03-18T12:19:35Zhttps://www.finmo.net/resources/customer-stories/how-auptimate-unlocked-real-time-treasury-operations-with-finmo2026-03-18T12:13:53Zhttps://www.finmo.net/resources/customer-stories/handshake-finance-finmo-escrow-treasury-visibility2026-03-18T12:18:22Zhttps://www.finmo.net/resources/ebooks/the-startup-cfo-playbook-investor-ready-finance-strategies-for-growth2026-03-18T11:50:07Zhttps://www.finmo.net/resources/ebooks/cfo-playbook-for-mid-market-smes2026-03-20T10:00:29Zhttps://www.finmo.net/resources/ebooks/fix-the-gaps-that-hold-your-finance-stack-back2026-03-18T12:06:37Zhttps://www.finmo.net/resources/ebooks/take-control-of-your-liquidity-strategy-download-our-essential-cfo-playbook2026-03-18T11:50:49Zhttps://www.finmo.net/resources/ebooks/the-cfo-s-2025-finance-stack-scorecard2026-03-18T12:06:21Zhttps://www.finmo.net/resources/blog2026-04-16T11:25:44Zhttps://www.finmo.net/resources/customer-stories2026-02-23T09:00:23Zhttps://www.finmo.net/resources/ebooks2026-02-20T11:17:10Zhttps://www.finmo.net/resources/newsroom2026-04-07T15:14:58Z ## Treasury Management Solutions # Treasury management for modern finance teams Finmo is a treasury management and payment platform for modern finance teams. Integrate complete financial and bank data, move money globally, optimise liquidity, and manage FX risk – all in one smart platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5d3b6093753ffb161a133920d2ea67a73f6ffcfd-2688x1316.webp&w=3840&q=100) Why Finmo? ## Future‑facing finance Faced with the challenge of multiple geographies, currencies, entities and compliance requirements, the demands on today’s CFO have never been greater. With change the only constant, and complexity increasing, CFOs need to move from spreadsheet-based financial stewardship, to future-facing strategic leadership. But with finance teams held back by slow, disparate data, and multiple disconnected softwares, getting the future-facing visibility to do this isn’t easy. At Finmo we provide agile treasury management that meets the needs of the modern CFO – without the expense and complexity of traditional enterprise solutions. A single platform that gives CFOs connected, future-facing intelligence, using data from across their business: The foresight to know their next move. And the confidence and control to act on it. [Watch the video](https://youtu.be/UW_kbYhvG0g) > “Finance leadership today is about foresight. At Finmo, we empower CFOs to look beyond the numbers: to anticipate change, uncover opportunity, and scale their vision across markets with clarity and control” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1ef2a20218ef156c7ba4f977b77b5a048ee8e694-150x150.jpg&w=3840&q=100) David Hanna CEO and Co-founder, Finmo Team ## Our expert team Our executive team has over 100 years combined experience launching and leading globally recognised fintech, payments and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb41b46c245be4d5ca409a545d63a1233954bef-632x768.webp&w=3840&q=100) David HannaChief Executive Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffa65114acc049ad3e0b685aaf33de2e32101d32e-632x768.webp&w=3840&q=100) Richard OhChief Strategy Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc85d2bb936252c4608d9faa67738cc0c1268b9dc-1264x1536.webp&w=3840&q=100) Akhil NigamChief Product Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F733c8c8a4e71ab40840263dfa0c7d2d600154220-632x768.webp&w=3840&q=100) Raj Vimal ChopraChief Technology Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4f499d7e51cbcb85b26faa981684878729c92f04-632x768.webp&w=3840&q=100) Thomas KangChief Revenue Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b16b408c9f11b8c23b089dcc6bcfe3f3c3d8e4e-632x768.webp&w=3840&q=100) Jonathan LewChief Financial Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4319f20c73a038b2e4ada6a21f110ff86a85ee9a-632x768.webp&w=3840&q=100) Anthony YeohChief Compliance Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Febab0970f9c822bc943141df866403ec2456a1e4-1264x1536.webp&w=3840&q=100) Mansi ChopraChief Marketing Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f5d4403adfbf41335fb3886a705e1d35f441b77-1264x1536.webp&w=3840&q=100) Holly FangChief Business Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9c24cb1b02df8ff258e64f004e36cfcf519a487e-632x768.webp&w=3840&q=100) Joana Mikaela LiewChief Human Resources Officer ## Join Finmo Work with us to help shape the future of financial management for business. [Careers](https://www.finmo.net/about/careers) Our Investors ## Backed by the best - ![Quona](https://cdn.sanity.io/images/3m8qrzh6/production/1743cad2b98f96692708c1ab5a7d97af777c8546-134x131.svg) ![Paypal Ventures](https://cdn.sanity.io/images/3m8qrzh6/production/1753aef959683cce4c625d64315147bebf19a310-201x131.svg) ![citi ventures](https://cdn.sanity.io/images/3m8qrzh6/production/e5b6a7d537b20211184847de48ee282bba4bf56e-191x131.svg) ![Insignia Ventures Partners](https://cdn.sanity.io/images/3m8qrzh6/production/b21e6d900e0b2f629d574c97aacdc314ecae04f3-148x131.svg) ![Soma Capital](https://cdn.sanity.io/images/3m8qrzh6/production/6e910f84cd1b2f2a1d401375fdf3333716101f6a-130x131.svg) ![GFC](https://cdn.sanity.io/images/3m8qrzh6/production/28aa9a2fd903df29ff7254809b7aeb39fcc1006e-94x131.svg) Finmo foresight [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa1337e0bfdc3c8adcb37053aa131202ec29b6bbc-3200x1800.webp&w=3840&q=100)\\ \\ - Compliance\\ \\ **Our compliance story: How finmo builds compliance into every transaction**\\ \\ Read more](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction) ## Contact us Please get in touch for more information about our product, to discuss partnerships, or to speak to our PR or marketing team. [Get in touch](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/about/about-us#) Reject AllAccept All ## Global Payroll Solutions ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). Built for HR & EOR platforms # Reliable global payroll starts with financial clarity Execute high-volume, multi-country payroll with compliant payouts while maintaining real-time visibility into payroll funding, liquidity, and FX exposure. [Get started for free](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd424de4862b2667607d7d4c149fd606f549cf2d3-5136x2816.png&w=3840&q=100) Trusted by APAC finance teams - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/3f680677463fd3d0fb174cda7951049e7a8c612f-309x260.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F21fd29f5c120e42607fa77c0052e516433b8c153-410x260.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd561af06644540aff080afb395f77d0c058beeb5-1094x1312.webp&w=3840&q=100) Payroll operations complexity ## Protect your reputation on every payday Running payroll across countries requires more than sending payments. HR platforms and EOR providers must ensure funding is available, FX exposure is managed, and payroll cycles execute on time every month. But payroll operations often rely on fragmented financial infrastructure: • Funding spread across multiple bank accounts • Limited visibility into global balances • No forecasting for upcoming payroll obligations Without clear financial visibility, payroll becomes operational risk. Finmo connects your financial data so payroll teams always know what funding is available, what payroll obligations are coming, and when payouts need to execute. How modern payroll teams operate ## Global payroll, built on visibility Use the full platform or activate payments on day one. Connect your accounts, gain visibility, forecast funding needs, and automate global payouts, all in one modular platform. Connect your funding sources Link bank accounts and funding wallets via direct integration to centralise payroll funding across currencies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F692f4c20519128f530db01bc3e0ccb614d669062-2188x1188.png&w=3840&q=100) See your global cash position View balances across currencies and entities in real time. Know exactly what’s available before every payroll cycle. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff67f1c604e7605ee97cf21fd39979362d02ead71-2184x1324.png&w=3840&q=100) Forecast payroll funding needs Generate rolling forecasts to model FX exposure and future payroll obligations. Fund intelligently and protect margins. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F431ca272abd6b8c727e1faa089cc692adaf61a67-2188x1196.png&w=3840&q=100) Execute global payroll at scale Run high-volume, multi-currency payroll with intelligent routing and built-in compliance control, from a single connection. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fff00bbda08275a89c853af1dfca57d7ed9c12674-2188x1452.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Trusted by leading HR platforms ## What businesses are saying about Finmo Global HR platforms rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Security & compliance ## Enterprise-grade infrastructure for HR & EOR platforms As your company grows, financial infrastructure matters. Finmo operates under globally recognised security and compliance standards so you can manage global payments and financial data with confidence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/512ad194ee55228d4c477e46b2559a1a0c6de0f5-200x77.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb3dfab66d812cc6b64e7b92a9cdd8fc9547c7950-97x97.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc6dde94a97d8aeac29ff78f5d466bb67c347cbc2-105x104.png&w=3840&q=100) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong FAQs Frequently asked
questions Is my company's money safe with Finmo? Finmo holds the required licences and registrations in 8 countries — including Singapore (MAS), Australia (ASIC), the UAE (DFSA), the UK (FCA), and the US. We are PCI DSS, SOC2 Type II, and ISO 27001 certified. Your funds are safeguarded in accordance with the regulatory requirements of each jurisdiction. How long does it take to open an account and make my first payment? Account opening takes minutes. Most startups complete their first international payment within the same day. There is no minimum balance requirement and no legacy onboarding process. We already use Wise and a local bank. Why do we need Finmo? Wise moves money. Your local bank holds it. Neither shows you the real-time impact of every transaction on your consolidated cash position across currencies. Finmo does all three, and because payments and cash intelligence are the same product, every transfer you make instantly updates yo Do I need to replace all my existing banking relationships to use Finmo? No. You can connect your existing bank accounts to Finmo for visibility and use Finmo's multi-currency account for international collections and payments. ## Run global payroll with confidence [Get started for free](https://dashboard.finmo.net/signup) [Watch walkthrough](https://youtu.be/UW_kbYhvG0g) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hr-and-eor#) Reject AllAccept All ## Product Disclosure Statement # Product Disclosure Statement Last updated: March 21, 2024 Important information This Product Disclosure Statement (“PDS“) has been prepared and issued by Paynow Technology Pty Ltd trading as Finmo Tech ACN 642 442 215 (“Finmo”, “us” “we” or “our”). Paynow Technology Pty Ltd trading as Finmo Tech is a subsidiary of Finmo Tech Pte Ltd, which (together with its subsidiaries globally) operates the “Finmo” brand. Please note that the information contained in this PDS does not constitute a recommendation, advice or opinion, and does not take into account your individual objectives, financial situation, needs or circumstances. This is an important document and should be read in its entirety (along with the Finmo Terms and Conditions – available at https://finmo.net/terms-conditions, or an electronic copy can be provided by us free of charge upon request). Before acquiring any product offered under this PDS, you should ensure this is appropriate for your particular financial objectives, needs and circumstances. If you acquire any of the products described in this PDS, you will be bound by the contents of this PDS and the Terms and Conditions. The information in this PDS is current as at the date set forth on the cover page, and may be updated from time to time where that information is not materially adverse to clients. Updated information shall be provided on our website – accessible at https://finmo.net/. Finmo may issue a supplementary or replacement PDS as a result of certain changes, which shall be available on our website or shall be distributed in electronic form as required. This PDS does not constitute an offer or invitation in any place outside Australia where or to any person to whom it would be unlawful to make such an offer or invitation. The distribution of this PDS (electronically or otherwise) in any jurisdiction outside Australia may be restricted by law and persons who come into possession of this PDS should seek advice on and observe any such restrictions. Any failure to comply with such restrictions may constitute a violation of applicable law. If you received this PDS electronically, we can provide a paper copy free of charge upon request. - Purpose and contents of this PDS This PDS is an important legal document and is designed to provide you with important information regarding our products and services, including the following information: - who we are; - how you can contact us; - which products we are authorised to offer or utilise; - key features/risk/benefits of these products; - applicable fees and charges for these products; - any (potential) conflicts of interest we may have; and - our internal and external dispute resolution process. - The information in this PDS should assist you to: - decide if the product meets your needs; and - compare the product with similar products. - If you intend to apply to use any of the products and services described in this PDS, please read and make sure you understand this PDS, our Terms and Conditions, Privacy Notice, and Financial Services Guide (“FSG”), which are accessible via our website. These documents contain important information regarding the features, benefits, risks and fees applicable, and are designed to assist you in making an informed decision about whether to use our products and services. If you have any questions or need more information, please contact us. All financial amounts mentioned in this PDS are expressed in Australian dollars unless otherwise stated. Unless defined herein, capitalised words used in this PDS have defined meanings which appear in the Glossary at the back of this PDS. - About Finmo Finmo holds an Australian Financial Services Licence Number 535371 and is authorised to provide financial services relating to its non-cash payment product (NCP) to both retail and wholesale clients. You can contact us at: Address: Level 17, Chifley Tower 2 Chifley Square Sydney, NSW 2000 Email: compliance@finmo.net Website: www.finmo.net - General product description The financial products provided by Finmo include facilities for businesses to send (i.e. Payout) and receive (i.e. Payin) money (collectively, the “Services”). | Service | Key features | | --- | --- | | Payout | Payout lets you send money in any Supported Currency to beneficiaries in Australia or any other jurisdiction approved by Finmo. The transaction can be funded from your Available Balance or any other supported payment methods from time to time. To payout money to a beneficiary, you will need to provide an instruction in accordance with the process described in the Terms and Conditions | | Payin | Payin lets you: - Top up the Available Balance in a Supported Currency through a bank transfer from your own bank account to the Finmo Account, or any other supported payment methods from time to time. The money received will be added to your Available Balance and held in the Account in the Supported Currency. - Payin funds in a Supported Currency into the Account from a third party payer in Australia or any other jurisdiction approved by Finmo. You will need to provide the third party payer with the Account details. The money received will be added to your Available Balance and held in the Account in the Supported Currency. - Hold money in any Supported Currencies. | - Multiple Supported Currencies can be held in the Account and form your Available Balance. You can convert any currency forming part of your Available Balance for another Supported Currency by providing an instruction to Finmo via the Finmo Platform. The Available Balance can be accessed or withdrawn in accordance with the process described in the Terms and Conditions. It is important for you to understand that the Account is not a bank account, and is instead a non-cash payment (NCP) facility. - When Finmo receives funds that are credited to the Available Balance you acquire an interest in (or an increased interest in) a non-cash payment facility (being the Account). Those funds are therefore not monies which are subject to the client money protections in the Corporations Act 2001 (Cth). - Accessing and using our products and services To access and use our Services, you must first register for an Account via the Finmo Platform, which is accessible via our website. By registering for an Account, you agree to the terms in our Terms and Conditions, Privacy Notice, the FSG, and this PDS. Your application for an Account must be approved by Finmo. Finmo reserves the right to refuse to open an Account for any person. - Eligibility To be eligible for the Services you must meet the eligibility criteria Finmo sets out in the Terms and Conditions. Your application for a Service must be approved by Finmo. Finmo reserves the right to refuse to provide a Service to any person. - Significant benefits The significant benefits of the Services are as follows: - You can use Payin to load (or reload) value onto your Available Balance, in any Supported Currency, by initiating a transfer from your bank account or through any other means notified described in the Terms and Conditions. You can also use Payin to collect and hold money in any Supported Currency from a third party payer in Australia or any other jurisdiction approved by Finmo, into your Account. This reduces the need for you to open bank accounts in multiple jurisdictions. - You can use Payout to transfer money in any Supported Currency to beneficiaries in Australia or any other jurisdictions approved by Finmo. - Finmo bases all of its FX quotes on the live interbank FX rate and adds a transparent mutually agreed-upon FX markup. - Significant risks In deciding whether or not to use the Services you should be aware of the significant risks set out below. However, this section does not purport to disclose all of the risks associated with the Services. - A Payout or Payin transaction will not be processed if the transaction is not in a Supported Currency and the beneficiary or payer (as the case may be) is not located in a jurisdiction approved by Finmo. - There may be circumstances beyond our reasonable control preventing a transaction from being processed. - You might not be able to get your money back if Unauthorised Transactions or unintended transactions occur. - No interest is earned on the Available Balance and it is not a savings or checking account. - There is a risk that Finmo may become unable to fulfil its obligations to you as they fall due, for example, if our banking partners fail to meet their contractual obligations to us or in the event Finmo experiences insolvency. This is known as counterparty (or credit) risk. If this happens, you may not be able to use the Services as designed and this could result in a loss. - There is a risk of loss resulting from failures, delays, or inadequacies of technological systems, internal processes or external events. This is known as operational risk. While Finmo uses reasonable efforts to ensure uninterrupted access to the Services, it cannot guarantee that such access will never be interrupted as a result of technical or other unforeseen problems that are outside its control. There are also risks associated with the use of an online platform to process transactions, such as network connectivity issues, system or software errors and bugs, and security or data breaches. - Finmo relies on arrangements with banking partners to deliver the Services. Finmo banking partners may make errors or experience unscheduled delays in crediting funds to the Account or transferring them to another account. - Advice We are obliged to warn you that we will only provide you with general advice, which does not take account of your objectives, financial situation or needs. - Fees and Charges The following fees apply in connection with the use of the Services. You agree that whenever any of these fees are incurred or become payable, Finmo may deduct it from your Available Balance. - Transaction fees: Transaction fees are payable on each Payout end and Payin transaction. The fees you pay will vary based on the source and destination currencies and countries of the transaction, the size and frequency of your transaction, and the payment method used in the transaction. The exact fee applicable for each transaction will be disclosed to you on the Finmo Platform as well as in the Merchant Services Agreement (MSA) signed with us at onboarding. - Foreign exchange charges: Where currency conversion is required in respect of any transaction, Finmo will apply the prevailing exchange rate disclosed to you on the Finmo Platform which includes a percentage earned by Finmo. - Other fees and charges: You may also incur fees or bank charges on failed transactions, or interest charges on outstanding amounts due to Finmo or creation of Virtual Accounts. - The financial claims scheme The Financial Claims Scheme is a scheme administered by the Australian Prudential Regulation Authority (“APRA”) to protect depositors of authorised deposit-taking institutions from potential loss due to the failure of these institutions. It provides depositors with a guaranteed protection, up to a cap. As at the date of this PDS, the Financial Claims Scheme applies to deposits only, and does not protect any Available Balance. For more information, see APRA’s website at https://www.fcs.gov.au. - Privacy policy Your privacy is important to us and we are committed to compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Information collected from you at registration or in subsequent communications is used to establish and administer your Account, comply with our regulatory obligations and for us to determine your suitability as a client. We may disclose your personal information to external parties who act on our behalf in the operation of our business or in connection with the transactions to be undertaken. Such external parties are required and committed to protecting your privacy and where they are offshore, we take reasonable steps to ensure that to the maximum extent reasonably possible any information sent has the same level of privacy protection as we provide here in Australia. Finmo will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us by writing to compliance@finmo.net if you have any concern. We will retain information obtained from you only as long as required by our regulatory obligations. This includes information required in order for us to comply with applicable laws and regulations for the prevention of money-laundering and counter-terrorism financing. The law allows you (subject to permitted exceptions) to access your personal information. You can do this by contacting us using our contact details set out in this PDS. Where necessary, we will correct personal information where that information is found to be inaccurate, incomplete or out of date. We will not charge an individual for reasonable access and correction requests. - AML/CTF By accepting the terms and conditions in the PDS and at registration you undertake that activity related to your Account is in no way associated with unlawful or illegal activity. Finmo is compliant with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and associated laws. By registering with Finmo, you undertake to notify us of anything that may put us in breach of this legislation and associated regulations. You must supply personal details to us and where necessary documentation to assist us verify your identity. This may also be necessary for additional authorised signatories and directors and beneficial owners of corporate entities. From time to time we may be required to obtain further information to assist with ongoing obligations. We may be required to provide the relevant authorities with information we have collected from you or any transaction records we hold. We will be unable to notify you of any such requests. We may also be required to suspend or cancel your Account or delay, block or freeze the processing of transactions. If this occurs, we are not liable to you for any consequences or losses whatsoever and you agree to indemnify us if we are found liable to a third party in connection with the freezing or blocking of a transaction in connection with your Account. - Tax implications You should get your own independent tax advice in relation to the impact your use of the Services may have on your personal tax liability as Finmo has not taken into account your individual circumstances or needs. - Disclosure of interest Subject to disclosures in any other transaction documents, Finmo does not have any relationships or associations which might influence us in providing you with our Service. - Dispute resolution Finmo has an internal dispute resolution process in place to resolve any complaints or concerns you may have, as quickly and fairly as possible in the circumstances. Any complaints or concerns should be directed to us via compliance@finmo.net. We will seek to resolve your complaint within 30 calendar days or such further time period that may reasonably be required given the nature of the complaint. We will investigate your complaint, and provide you with our decision, and the reasons on which it is based, in writing. If you are dissatisfied with the outcome, you have the right to lodge a complaint with the Australian Financial Complaints Authority, an approved external dispute resolution scheme, of which Finmo is a member. - Australian Financial Complaints Authority - Phone: 1800 931 678 - Post: GPO Box 3, Melbourne, Victoria 3001 - Website: www.afca.org.au - Glossary of terms | ACCOUNT | the account by which you access the Finmo Platform. | | --- | --- | | AVAILABLE BALANCE | refers to the balance contained in the Account. | | FINMO PLATFORM | the proprietary online system(s) and the components thereof, developed, owned and maintained by Finmo, that enables You to obtain the Services from Finmo, including any replacement thereof and any related software, websites, URLs, software programs and deliverable ancillary to the Finno Platform such as reports, compilations or databases. | | UNAUTHORISED TRANSACTION | a transaction not authorised by you, but not including transactions made by another person who you have permitted to use the Account. | ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product-disclosure-statment#) Reject AllAccept All ## CFO Treasury Solutions For CFOs # Financial foresight for CFOs Our treasury management software for CFOs combines cash tools and payment in one intelligent financial dashboard. Get cash visibility, forecast liquidity, and generate accurate reports using real-time data, all in a single CFO dashboard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbb0484becc8b8b619b05bc98b9a545f1d40da3ae-2688x1316.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/225d3614b157a391cd938501cde268a9ba344757-547x656.svg) Connected dashboard ## Smash the data silos Bypass the challenges of disconnected data, fragmented legacy systems and business silos. Connect your bank accounts, accountancy software, and ERPs and get one automatically synced view in your CFO financial dashboard. ![](https://cdn.sanity.io/images/3m8qrzh6/production/8e2fd8c34e4f120bcec39354d1d85d9854c601ac-547x656.svg) Real-time cash visibility ## Stay in-the-know on cashflow Make more confident cashflow decisions with 100% real time across your global cash positions. Our CFO software connects your accounts automatically, giving you live liquidity insights without spreadsheets or manual reconciliation. ![](https://cdn.sanity.io/images/3m8qrzh6/production/2f118368c2adf1c4eb7169c577dee68079ed705d-547x656.svg) Cashflow forecasting ## Forecast further and faster Model liquidity, FX exposure, and working capital in minutes using intelligent cash flow forecasting software. Run scenarios, compare outcomes, and generate forward-looking reports directly within your CFO dashboard software. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a2e6b6a38734e8648f4f03ccf3b69bbfc58e4d5-547x656.svg) Automated AR & AP ## Remove the manual work Replace manual invoicing, payments, and reconciliation with intelligent workflows inside your CFO dashboard. Integrated with your accounting systems and ERP, Finmo's treasury management software reduces errors and improves operational efficiency. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5582bd9bba3e757afddec918b1bcd3420e361743-1094x1312.webp&w=3840&q=100) Single source of truth ## One Platform. Total Financial Control. Align your team around one single source of truth. Use role-based access to manage permissions and maintain a clear audit trail, across your treasury management workflows. ![](https://cdn.sanity.io/images/3m8qrzh6/production/3fed4a6bad30ddd2714f74d9fb82a1fb23023eb8-547x656.svg) Modular API-led platform ## Scale smoothly Finmo’s cloud-based CFO software is built for growing businesses. Start with cash visibility and cash flow forecasting software, then expand into payments and advanced treasury management, without costly enterprise implementations. Finmo insights [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F20b23a34bac3b5cd14853a73249e59c073149543-3200x1800.webp&w=3840&q=100)\\ \\ - Learn\\ \\ **3 warning signs your liquidity strategy isn’t working (& how CFOs can fix It)**\\ \\ Read more](https://www.finmo.net/resources/blog/3-warning-signs-your-liquidity-strategy-isn-t-working-(-how-cfos-can-fix-it)) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F65a48684f824055f80e2495fc4d7e5314b7c9653-3200x1800.webp&w=3840&q=100)\\ \\ **Fix the Liquidity Blindspots Holding Your Business Back**\\ \\ Read more](https://www.finmo.net/resources/ebooks/take-control-of-your-liquidity-strategy-download-our-essential-cfo-playbook) ## Try Finmo today Take a few minutes to watch our walkthrough. Or book a meeting to talk things through with our team. [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) [Watch walkthrough](https://youtu.be/UW_kbYhvG0g) FAQs Frequently asked questions about our CFO dashboard What is the best cash flow forecasting software for CFOs? The best cash flow forecasting software gives CFOs real-time visibility, scenario modelling, and automated data sync with banks and ERPs. It should eliminate manual spreadsheets and update forecasts dynamically as transactions occur. Leading CFO software combines forecasting with liquidity visibility and payment execution in one platform. Finmo, for example, connects live financial data to rolling forecasts, allowing CFOs to move from insight to action without switching systems. Choose CFO dashboard software that provides: \- Real-time financial data integration \- Scenario-based forecasting \- Multi-entity and multi-currency visibility \- Role-based access controls \- Audit-ready reporting The right CFO analytics platform should centralise reporting, forecasting, and treasury management in one secure environment. Platforms like Finmo are built to give CFOs executive oversight while enabling finance teams to operate efficiently. How do I choose the right CFO dashboard software? 1\. Choose CFO dashboard software that provides: 2\. Real-time financial data integration 3\. Scenario-based forecasting 4\. Multi-entity and multi-currency visibility 5\. Role-based access controls 6\. Audit-ready reporting The right CFO analytics platform should centralise reporting, forecasting, and treasury management in one secure environment. Platforms like Finmo are built to give CFOs executive oversight while enabling finance teams to operate efficiently. How accurate is AI-powered cash flow forecasting software? AI-powered cash flow forecasting software can significantly improve accuracy when built on real-time transactional data. Forecast reliability depends on: \- Direct bank data connectivity \- Automated reconciliation \- Historical pattern analysis \- Continuous forecast vs actual tracking Rather than replacing finance judgment, AI enhances forecasting precision. Platforms like Finmo use live data inputs to support dynamic forecasting and liquidity risk monitoring. Find out more about [how forecasting works](https://docs.finmo.net/docs/forecast) with Finmo. What is the ROI of implementing CFO software? The ROI of CFO software typically comes from: \- Faster reporting cycles \- Reduced manual reconciliation \- Improved liquidity planning \- Lower operational risk \- Better FX and cash visibility CFO analytics platforms reduce dependency on spreadsheets and fragmented systems. By combining forecasting, dashboards, and treasury management, solutions like Finmo help finance leaders improve decision velocity and capital efficiency. What kind of access control and audit trails are available? Finmo provides robust financial controls through role-based access, allowing you to manage team permissions for specific accounts or entities. Every change and transaction is automatically logged by the CFO software, providing a comprehensive audit trail that ensures you are always ready for internal governance or external audits. How long does it take to get the CFO dashboard live? Finmo is a [treasury management system](https://finmo.net/) designed for modern businesses to onboard in days. Most of the setup process involves simply creating your account, completing verification to ensure compliance, and syncing your existing bank accounts, ERPs and accounting platforms with the CFO dashboard. Find out more about [setting up an account with Finmo](https://docs.finmo.net/docs/organization-setup). ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/cfo#) Reject AllAccept All ## Disclaimer Information # Disclaimer Contents - [Disclaimer](https://www.finmo.net/disclaimer#disclaimer) - [Copyright notice](https://www.finmo.net/disclaimer#copyright-notice) ## Disclaimer If you continue to browse and use this website (“www.finmo.net”), you are agreeing to comply with and be bound by the following disclaimer, together with our terms and conditions of use. The information contained in this website is for general information purposes only and is provided by www.finmo.net. While we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Through this website, you may be able to link to other websites which are not under the control of www.finmo.net. We have no control over the nature, content and availability of those websites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Every effort is made to keep the website up and running smoothly. However, Finmo takes no responsibility for, and will not be liable for, thewebsite being temporarily unavailable due to technical issues beyond our control. ## Copyright notice This website and its contents are the copyright of Finmo Tech Pte Ltd – © 2022. All rights reserved. Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following. You may print or download contents to a local hard disk for your personal and non-commercial use only. You may copy some extracts only to individual third parties for their personal use, but only if you acknowledge the website as the source of the material. You may not, except with our express written permission, distribute or commercially exploit the content. You may not transmit it or store it on any other website or other form of electronic retrieval system. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/disclaimer#) Reject AllAccept All ## Finmo Licenses Overview # Licences & Registrations Contents - [Why our licences matter?](https://www.finmo.net/hk/about/license-and-registrations#why-our-licences-matter) - [Australia](https://www.finmo.net/hk/about/license-and-registrations#australia) - [New Zealand](https://www.finmo.net/hk/about/license-and-registrations#new-zealand) - [Singapore](https://www.finmo.net/hk/about/license-and-registrations#singapore) - [United States of America (USA)](https://www.finmo.net/hk/about/license-and-registrations#united-states-of-america-usa) - [Canada](https://www.finmo.net/hk/about/license-and-registrations#canada) - [United Kingdom](https://www.finmo.net/hk/about/license-and-registrations#united-kingdom) - [Dubai](https://www.finmo.net/hk/about/license-and-registrations#dubai) - [Hong Kong](https://www.finmo.net/hk/about/license-and-registrations#hong-kong) ## Why our licences matter? Finmo’s licensing framework enables us to support cross-border payments, treasury operations, and financial workflows for growing businesses while meeting local regulatory requirements. Our regulated status helps ensure: - Customer funds are safeguarded in accordance with local regulations - Transactions are conducted under compliant payment and e-money frameworks - Operations meet jurisdiction-specific regulatory and reporting standards ## Australia Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds an Australian Financial Services Licence (AFSL number: 535371). Finmo Tech is also a registered independent remittance business (AUSTRAC registration no: IND100723324-001) and a registered Digital Currency Exchange provider (AUSTRAC registration no: DCE100723324-001). Please consider our Financial Services Guide and [Product Disclosure Statement](https://www.finmo.net/product-disclosure-statment) and if the information is right for you before acquiring the product or service. ## New Zealand Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds a Financial Service Provider License (FSP No: FSP1003815) ## Singapore Finmo Tech Pte. Ltd. (Finmo) holds a Major Payment Institution (MPI) Licence issued by the Monetary Authority of Singapore (MAS), which allows us to provide e-money issuance services, account issuance services, merchant acquisition, cross border and domestic money transfer services. (Licence number: PS20200640) In accordance with the applicable laws and regulations (including PSN08), Finmo is required to provide the following disclosures: Notice for Non-Singapore Residents: Finmo Tech Pte. Ltd. is licensed by the Monetary Authority of Singapore to provide e-money issuance services. Please note that this does not mean you will be able to recover all the money you paid to Finmo Tech Pte. Ltd. if Finmo Tech Pte. Ltd.’s business fails. Hours of Business Operations: Our working hours in Singapore are from 9am SGT to 6pm SGT (Mon to Friday) excluding Public Holidays. ## United States of America (USA) Finmo LLC is registered as a Money Service Business (MSB) with the Financial Crimes Enforcement Network (FinCEN) of the US Department of the Treasury. (MSB Registration Number: 31000248116829) ## Canada Finmo LLC is registered as a Money Service Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) (MSB Registration Number: C100000380) and also registered as a Payment Service Provider (PSP) with the Bank of Canada ## United Kingdom Finmo UK Group Limited is an Authorised Electronic Money Institution (EMI) who is permitted by the Financial Conduct Authority (FCA) to issue electronic money (e-money) and provide payment services. (Reference No: 901102) ## Dubai Finmo (DIFC) Limited (#11455) holds a Financial Services Licence authorised by the Dubai Financial Services Authority to perform the following financial services: - Providing Money Services - Advising or Arranging on Money Services ## Hong Kong Finmo HK Limited (Finmo) holds a Money Service Operator Institution (MSO) Licence: (Licence number: 26-03-03326) ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/about/license-and-registrations#) Reject AllAccept All ## Complaints Procedure Guide # Complaints Last updated: March 21, 2024 Contents - [1\. Our commitment to you](https://www.finmo.net/hk/complaints#1-our-commitment-to-you) - [2\. How to make a complaint](https://www.finmo.net/hk/complaints#2-how-to-make-a-complaint) - [3\. Our complaints procedure](https://www.finmo.net/hk/complaints#3-our-complaints-procedure) - [4\. Confidentiality](https://www.finmo.net/hk/complaints#4-confidentiality) - [5\. External review options](https://www.finmo.net/hk/complaints#5-external-review-options) - [6\. Commitment to fairness and non-retaliation](https://www.finmo.net/hk/complaints#6-commitment-to-fairness-and-non-retaliation) At Finmo, we are fully committed to providing exceptional service to our clients. We understand that from time to time, issues may arise, and we welcome your feedback to ensure we continue to improve and deliver the best possible support and appreciate your feedback, as it helps us improve and serve you better. ## 1\. Our commitment to you We deeply value your feedback and are dedicated to resolving any issues you may encounter. Your satisfaction is important to us, and we want you to feel heard and supported throughout the process. Our complaints procedure is designed to be simple, effective, and transparent, so that we can address your concerns in the most efficient way. ## 2\. How to make a complaint If you have any complaints or concerns about our services, we encourage you to contact us directly through the channels below that are most convenient to you. **To help us assist you in the best way possible, please include:** - A clear description of your concern - Any supporting documents or evidence - Your contact details **You can reach us via:** - Email: compliance@finmo.net - Phone: 1300- 918-846 **Australia Office** - Address: Level 17, Chifley Tower Chifley Square Sydney, NSW 2000 **Singapore Office** - Address: 209 South Bridge Road, Level 3, Singapore 058758 ## 3\. Our complaints procedure We deeply value your feedback and are dedicated to resolving any issues you may encounter. Your satisfaction is important to us, and we want you to feel heard and supported throughout the process. Our complaints procedure is designed to be simple, effective, and transparent, so that we can address your concerns in the most efficient way. ### 3.1 Acknowledgment As soon as we receive your complaint, we will acknowledge its receipt within 24 hours. ### 3.2 Investigation We will begin investigating your complaint within 24 hours, carefully reviewing all the details and circumstances. Our goal is to resolve the issue as quickly as possible while ensuring a thorough assessment. ### 3.3 Regular updates We will keep you informed regularly throughout the process. We understand how important it is to stay updated, and we will ensure you are never left wondering about the status of your complaint. ### 3.4 Final response After reviewing and investigating the matter, we will provide you with a final response. This will include an explanation of our assessment of your complaint including any steps we plan to take to resolve the issue, such as: a. Offering remedial action b. Implementing improvements to our systems or services c. Offering redress, where appropriate Note: Most complaints may be resolved within a few days, but depending on the complexity, we may need the full 45 business days to provide you with a comprehensive response. ## 4\. Confidentiality We are committed to protecting your privacy. All information relating to your complaint will be handled confidentially in line with our Privacy Policy. No personal details will be shared outside of this process, and your complaint will only be shared with those who need to address it. ## 5\. External review options **If you are not satisfied with the resolution provided, we want to ensure you have options for further support. You may escalate your complaint to the relevant regulatory bodies:** In Australia, you can contact the Australian Financial Complaints Authority (AFCA) at: - Address: GPO Box 3, Melbourne VIC 3001, Australia - Phone: 1800 931 678 - Website: [https://www.afca.org.au](https://www.afca.org.au/) In Singapore, you can contact the Monetary Authority of Singapore (MAS) at: - Address: 10 Shenton Way, MAS Building, Singapore 079117 - Phone: +65 6225 5577 - Website: [https://www.mas.gov.sg](https://www.mas.gov.sg/) ## 6\. Commitment to fairness and non-retaliation We are committed to treating all complaints fairly and assure you that making a complaint will not result in any retaliation or negative consequences. We value your input and ensure that all concerns are addressed respectfully and without prejudice. Thank you for choosing Finmo. We truly appreciate your feedback and are committed to ensuring that any concerns are handled with the utmost care and attention ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/complaints#) Reject AllAccept All ## Finmo Partner Program Finmo Partner Program # Join the Finmo partner program Get Finmo working for you; and your clients. Open up new revenue streams and unlock the potential of full-stack treasury management and seamless global payments for your customers. [Let’s talk](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8742a02978f5d63956f8b021191552a04113f7cf-2688x1316.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7b21af95250c718c3f17ab73e6743c8f62675d3f-1094x1312.webp&w=3840&q=100) Why Finmo? ## Infrastructure for intelligent treasury Enable your clients to get complete cash visibility globally, forecast future liquidity and optimise working capital. All through a unified account that handles global collections, FX conversions, and cross-border payouts without additional banking infrastructure. ## Why partner with us? Global capabilities,
no build required From global money movement to daily cash management – offer your clients a full-stack treasury and payments infrastructure. Flexible and fast to launch You can launch quickly with no-code tools or APIs. Whether you want to refer, embed, or white-label, Finmo adapts to your business model and growth stage. Earn from day one Get paid for every client you bring or transaction you power. Recurring revenue. Monthly commissions. And choose the model that works for you – referral, embedded, or white-label. Unite your data Get paid for every client you bring or transaction you power. Recurring revenue. Monthly commissions. And choose the model that works for you – referral, embedded, or white-label. Secure, compliant, and scalable Built with enterprise-grade compliance. Licensed in 6 markets and certified with PCI DSS, SOC 2, and ISO 27001 – so you and your clients stay protected. Partnership models ## 3 ways to partner with us Whether you're an advisor, platform, or fintech, Finmo offers the right model to suit your business and clients. Referral Partner Instant access to Finmo’s global treasury platform Enable clients to collect, hold, hedge, and deploy cash globally — with real-time visibility – and earn from every successful referral. Key features Add value to - and monetise - your network by introducing a trusted global payment and treasury solution. No integrations. No licenses. Just a better way for your network to see, move, and grow their money. It’s perfect for… Advisors or businesses exploring partnerships with minimal overhead. Integrated Partner Treasury as a service (TaaS) through a hosted portal Launch a hosted portal, with flexible markup — own the client experience, not the infrastructure. Key features Enable clients to collect, hold, hedge, and deploy cash globally — with real-time visibility. No dev team, coding or infrastructure required. Set your own markup to maximize revenue from every transaction. It’s perfect for… Companies seeking quick revenue from payments without tech investment. Strategic Partner Full white-label ownership with maximum margin Own the complete client experience, UX and pricing – by embedding our ready-to-roll tech infrastructure. Key features White-label Finmo’s Treasury OS to power your own global payments and treasury solution. Scale globally without the burden of building infrastructure or managing compliance. It’s perfect for… Fintechs or providers building embedded finance or treasury capabilities. Partner portal ## One portal to manage it all Onboard and manage your clients effortlessly with our low-code API-led portal. Get set up and go live globally in weeks, not months. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F087805d3aab7b7f025e1808e52a4199536d6a109-864x1232.webp&w=3840&q=100) Fast on-brand onboarding Create a custom branded client experience with our white label portal Modular product control Choose which Finmo products to enable for clients and add, or change, them easily. Realtime reporting Track every transaction and commission in real time. Performance analytics Track performance across merchants, regions, and currencies to uncover growth trends. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd35c6f0413cc02ee9fa8cfabbe5a330cb6697f5a-1094x1312.webp&w=3840&q=100) ## Support to make it a success From a dedicated partner success manager and training for your sales team, to priority support channels and early access to new features – we go over and above to put our partners first. ## Let’s talk partnerships Share your details and one of our partnership team will be in touch to talk things through. [Get in touch](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/partners#) Reject AllAccept All ## Finmo Financial Guide # Financial Services Guide Contents - [Purpose and contents of this financial services guide](https://www.finmo.net/financial-services-guide#purpose-and-contents-of-this-financial-services-guide) - [Unless defined herein](https://www.finmo.net/financial-services-guide#unless-defined-herein) - [About Finmo](https://www.finmo.net/financial-services-guide#about-finmo) - [Accessing and using our services](https://www.finmo.net/financial-services-guide#accessing-and-using-our-services) - [Professional indemnity insurance](https://www.finmo.net/financial-services-guide#professional-indemnity-insurance) - [Record keeping obligations](https://www.finmo.net/financial-services-guide#record-keeping-obligations) - [Who do we act for?](https://www.finmo.net/financial-services-guide#who-do-we-act-for) - [Remuneration](https://www.finmo.net/financial-services-guide#remuneration) - [Interest](https://www.finmo.net/financial-services-guide#interest) - [Referral to Finmo](https://www.finmo.net/financial-services-guide#referral-to-finmo) - [Disclosure of conflict of interest](https://www.finmo.net/financial-services-guide#disclosure-of-conflict-of-interest) - [Dispute resolution](https://www.finmo.net/financial-services-guide#dispute-resolution) - [Privacy](https://www.finmo.net/financial-services-guide#privacy) ## Purpose and contents of this financial services guide This Financial Services Guide (“FSG”) is prepared by Paynow Technology Pty Ltd trading as Finmo Tech ACN 642 442 215 (“Finmo”, “us” “we” or “our”). Paynow Technology Pty Ltd trading as Finmo Tech is a subsidiary of Finmo Tech Pte Ltd, which (together with its subsidiaries globally) operates the “Finmo” brand. The information in this FSG relates to the Services provided by the Australian subsidiary. This FSG is designed to provide you with important information regarding our Services prior to providing you with a financial service and assist you in you in deciding whether to use any of the services offered in this FSG, including the following: - who we are & how you can contact us; - what services we are authorised to provide; - how we are remunerated for these services; - any (potential) conflicts of interest we may have; and - our dispute resolution process. ## Unless defined herein Capitalised words used in this FSG have the meanings as defined in the Product Disclosure Statement. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## About Finmo Finmo holds an Australian Financial Services Licence Number 535371 and is authorised to provide financial services relating to its non-cash payment product (NCP) to both retail and wholesale clients. You can contact us at: Address: Level 17, Chifley Tower Chifley Square Sydney, NSW 2000 Australia Email: compliance@finmo.net Website: www.finmo.net ## Accessing and using our services To access and use our Services, you must first register for an Account via the Finmo Platform, which is accessible via our website. By registering for an Account, you agree to the terms in our Business Terms and Conditions (available at [https://finmo.net/terms-conditions](https://www.finmo.net/terms-of-service), or an electronic copy can be provided by us free of charge upon request), Privacy Notice, the PDS, and this FSG. Your application for an Account must be approved by Finmo. Finmo reserves the right to refuse to open an Account for any person. ## Professional indemnity insurance In compliance with section 912B of the Corporations Act 2001 (Cth) and Australian Securities and Investments Commission Regulatory Guide 126, Finmo maintains professional indemnity insurance in connection with the financial products and services it provides, including any claims in relation to the conduct of Finmo’s former representatives/employees. ## Record keeping obligations Finmo will seek to ensure that comprehensive and accurate records of all client transactions and advice provided, are properly maintained. ## Who do we act for? Finmo is responsible for the financial services it provides to you under its Australian Financial Services Licence and does not act on behalf of any other financial services licensee. ## Remuneration Remuneration, commission & benefits expected to be received by Finmo for provision of financial services Finmo receives the following fees for the Services provided to its customers. - Transaction fees: Finmo receives transaction fees for each payin or payout transaction. The fees will vary based on the source and destination currencies and countries of the transaction, the size and frequency of your transaction, and the payment method used in the transaction. The exact fee applicable for each transaction will be disclosed to you in the Merchant Services Agreement (MSA) signed at onboarding. - Foreign exchange charges: Where currency conversion is required in respect of any transaction, Finmo will apply the prevailing exchange rate disclosed to you on the Finmo Platform which includes a percentage earned by Finmo. - Other fees and charges: Finmo may also charge you a fee for failed transactions, refunds, recalls or disputed transactions. ## Interest Finmo may also earn interest on the monies from the bank or other approved deposit-taking institution with which we hold funds received from our customers or on their behalf. The employees and partners of Finmo may also receive salaries, performance bonuses, commissions and other remuneration from Finmo. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Referral to Finmo Finmo may pay referral fees to any businesses or companies that refer their customers to use the Services, which may be a percentage of the remuneration received by Finmo or a fixed amount agreed with each referrer. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Disclosure of conflict of interest Finmo may pay referral fees to any businesses or companies that refer their customers to use the Services, which may be a percentage of the remuneration received by Finmo or a fixed amount agreed with each referrer. If you would like further details, please ask us within a reasonable time after receiving this FSG and before we provide you with any financial services. ## Dispute resolution Finmo has an internal dispute resolution process in place to resolve any complaints or concerns you may have, as quickly and fairly as possible in the circumstances. Any complaints or concerns should be directed to us via our Compliance team at compliance@finmo.net. We will seek to resolve your complaint within 30 calendar days or such further time period that may reasonably be required given the nature of the complaint. We will investigate your complaint, and provide you with our decision, and the reasons on which it is based, in writing. If you are dissatisfied with the outcome, you have the right to lodge a complaint with the Australian Financial Complaints Authority, an approved external dispute resolution scheme, of which Finmo is a member. Australian Financial Complaints Authority Phone: 1800 931 678 Post: GPO Box 3, Melbourne, Victoria 3001 Website: www.afca.org.au ## Privacy Your privacy is important to us and we are committed to compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We may disclose your personal information to external parties who act on our behalf in the operation of our business or in connection with the transactions to be undertaken. Such external parties are required and committed to protecting your privacy and where they are offshore, we take reasonable steps to ensure that to the maximum extent reasonably possible any information sent has the same level of privacy protection as we provide here in Australia. We will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us via the email provided if you have any concerns. Finmo will not otherwise disclose your personal information without your consent, except as authorised or required by privacy laws. Please contact us by writing to compliance@finmo.net if you have any concerns. Full details of Finmo’s privacy policy are available at [https://finmo.net/privacy-policy](https://www.finmo.net/privacy-policy). We will retain information obtained from you only as long as required by our regulatory obligations. This includes information required in order for us to comply with applicable laws and regulations for the prevention of money-laundering and counter-terrorism financing. The law allows you (subject to permitted exceptions) to access your personal information. You can do this by contacting us using our contact details set out in this FS. Where necessary, we will correct personal information where that information is found to be inaccurate, incomplete or out of date. We will not charge an individual for reasonable access and correction requests. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/financial-services-guide#) Reject AllAccept All ## Seamless Accounting Integration # Seamless accounting integration Connect Finmo to the tools you already use. Our easy-to-use APIs and integrations with popular accounting and business systems make it simple to sync remittance and FX transactions with minimal setup time. [Contact us](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd0905c0a92efa286765644f36469b7ef5be03d2d-1094x1312.webp&w=3840&q=100) ## Connect payments & FX data to your systems ERP integration Make reconciliation easier by syncing payment and FX transaction data directly into your ERP systems. Reduce manual work, minimize errors, and keep records aligned automatically. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5b9f83c5ba6b3c1b3ba449e7236cefc49679d63b-547x310.svg) Accounting software Sync remittance and FX transactions directly into your accounting system to simplify record-keeping and accelerate reconciliation. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d37c96b4868c98e8a4e578bd73ec3762eb8992e1-547x310.svg) Excel friendly Finance teams can manage pay-ins, pay-outs, and FX transactions by uploading data directly from Excel. A simple and flexible way to process multiple transactions without complex integrations. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3be512645ae6b79a571a8e1af043ba0273dfa755-1184x972.webp&w=3840&q=100) ## Build without boundaries Connect your systems directly to Finmo’s API to automate pay-ins, pay-outs, and currency exchange. Our developer resources and sandbox environment make it easy to integrate and scale your international payment flows. [Contact us](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ## Contact Finmo ![](https://cdn.sanity.io/images/3m8qrzh6/production/96cc0ce062aae9dd5bd5d299d0b1d5d7c372035d-24x24.svg) Contact us # See how modern CFOs unlock connected financial intelligence Book a 30-minute walkthrough tailored to your finance stack and growth stage. [Book a Demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F807a896204e3238fd9d7f94db2f5e9496ec11c07-2594x2412.png&w=3840&q=100) ## Our office locations ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1931a04857eb249382c464bdb7eed75b6a799b94-468x468.png&w=3840&q=100) Finmo Tech Pte. Ltd. 209 south bridge road #03-01, Singapore, 058758 ![](https://cdn.sanity.io/images/3m8qrzh6/production/693eefbf94e5133311389282ca6aec3f2299cfd3-28x28.svg) Finmo Tech India Pvt Ltd. 36/3, ITI Layout, Sector 7 HSR Layout, Bengaluru, Karnataka, 560102 ![](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Paynow Technology Pty Ltd. Level 17, Chifley Tower, 2 Chifley Square, Sydney, NSW 2000 Australia ![](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) Paynow Technology Pty Ltd. Level 31, 2-6 Gilmer Terrace, Wellington, 6011, New Zealand ![](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) Finmo LLC 2041 East St PMB 589, Concord, California, 94520, US ![](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Finmotech Canada Inc 7700 Hurontario Street, #503, #2073,Brampton,Ontario,Canada,L6Y 4M3 ![](https://cdn.sanity.io/images/3m8qrzh6/production/b60084b3448cedf575355e6035ac92e3b9affd2b-28x28.svg) FINMO POLAND SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ, POZNAŃ ul. Mlynska, 16 pietro 8, 61-730 Poznan ![](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Finmo HK Limited 10/F of YF Life Tower, 33 Lockhart Rd, Wan Chai ![](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) Finmo UK Group Limited 86-90 Paul Street, London, England, EC2A 4NE ![](https://cdn.sanity.io/images/3m8qrzh6/production/d5aa6f0cd4e74c181cbdaade1f3e9cd010d55571-28x28.svg) Finmo Tech Philippines Inc Unit 1806 Cityland Pasong Tamo Tower, 2210 Chino Roces Ave., Pio del Pilar, City of Makati, Fourth District, National Capital Region (NCR), 1230 ## Not sure if Finmo is right for you? Speak to our team to understand how modern treasury teams are replacing spreadsheets and fragmented tools. [Talk to a treasury specialist](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Financial Clarity Solutions For scaling startups # Get the financial clarity you need to scale Get full visibility over all aspects of your startup's finances so you can always answer any question. Connect your accounts and instantly see your real-time cash position and runway forecast. [Get full visibility](https://dashboard.finmo.net/signup) [2-min demo](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8997c6324711a56817d8488ebdc87e584bad6a4d-1644x1968.webp&w=3840&q=100) Use with all major banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## Make better decisions with financial clarity ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F82b0b2bb799977c058edd33ea8fdafd226a29df8-5360x3020.webp&w=3840&q=100) Built for fast-growing startups ## Make better decisions with full visibility See your global cash position, forecast your runway in real time, and stop wasting time on bank reconciliation. Trade in your fragmented financial system for something that gives you the confidence to make better decisions every day. Activate mass payouts Upload your payee list, set currencies and amounts, and execute batch payouts to your entire creator and affiliate network in one go to 180+ countries. \- Batch payouts to 180+ countries in a single operation. \- Pay every creator in their local currency, no forced conversion on their end. \- See every payment status, every balance, every currency in real time. Save on FX On $200K in monthly creator payouts, PayPal's cut is $4,000–$6,000. Finmo uses institutional FX rates with no hidden spreads, no platform markups, and no per-seat fees. Collect from clients without forced conversion on arrival. The margin stays yours. \- Institutional FX rates, no hidden bank spreads. \- Collect client fees in 30+ currencies without forced conversion \- No per-seat fees. One account, both sides of every transaction Automated reconciliation Connect all your bank accounts and see client inflows and outflows in real time. Know your actual margin before month-end, not after. \- Full cash position across all accounts, currencies, and entities in one dashboard \- Real margin visibility - client inflows vs. creator outflows, updated in real time \- Forecast cash flow based on expected inflows and outflows, no spreadsheet required Full financial control ## See your runway in minutes Connect your banks Link DBS, HSBC, OCBC, and most major banks. Your money won't move without your approval. See your cash Your total cash position appears instantly – across all accounts, in your base currency. Know your runway Calculate your runway with real-time data and plan for different scenarios. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Be board-ready any time Export board-ready data and reports based on real-time information in seconds, and always be prepared for questions. [See your runway](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5895a7d23e05a7fed4d3da2e7b841a8860600af2-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by the fastest-growing startups and CFOs Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo The world's fastest-growing startups and scaleups rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay Limited-time offer ## Get US$555 in transaction fee credits Activate payments and complete your first transaction within 4 weeks to receive US$555 in transaction fee credits. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). ## See your runway instantly Connect your banks. See your cash. Know your runway. Free to start – no KYB required. [See your runway](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/draft-copy/get-started/startups#) Reject AllAccept All ## Startup Financial Clarity For startup CFOs & founders # Get the financial clarity you need to scale Get full visibility over all aspects of your startup's finances so you can always answer any question. Connect your accounts and instantly see your real-time cash position and runway forecast. [Get full visibility](https://dashboard.finmo.net/signup) [2-min demo](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe35fd13808e2aae37f80a5bcc88c076d6d0c6cd5-2524x2624.webp&w=3840&q=100) Use with all major banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## Make better decisions with financial clarity ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F82b0b2bb799977c058edd33ea8fdafd226a29df8-5360x3020.webp&w=3840&q=100) Built for fast-growing startups ## Make better decisions with full visibility See your global cash position, forecast your runway in real time, and stop wasting time on bank reconciliation. Trade in your fragmented financial system for something that gives you the confidence to make better decisions every day. All your banks in one view See all your bank accounts, currencies, and countries in one dashboard updated in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd0cf69cc7d6fa899b674002ddf3a0456eff625fa-2188x1238.webp&w=3840&q=100) Runway that calculates itself Let your runway forecast itself based on real-time information and activity, not outdated data. Toggle between different scenarios to make the right decisions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc4734ffeaf4749884dbb55b44071c84fae347c42-2188x1192.webp&w=3840&q=100) 13-week cash forecast Get a rolling forecast based on accurate, real-time information, historical data, and known recurring items. Syncs with Xero and QuickBooks. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f52474851a1ba90c7e5da46f85e0147aef8cfed-2124x1412.webp&w=3840&q=100) Intelligent alerts that eliminate surprises Receive alerts on unexpected charges, large outflows, and fall-below cash thresholds so you're never caught off guard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff003e724326deab198a48a0dac7a3e1d5c8146eb-2188x1208.webp&w=3840&q=100) Activate global payments when you're ready Pay international contractors, suppliers, or team members in 180+ countries – all from one platform ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5ae800c0ed102b9b084d071b73fa1bfb55d1b0c4-2188x1180.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5895a7d23e05a7fed4d3da2e7b841a8860600af2-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Full financial control ## See your runway in minutes Connect your banks Link DBS, HSBC, OCBC, and most major banks. Your money won't move without your approval. See your cash Your total cash position appears instantly – across all accounts, in your base currency. Know your runway Calculate your runway with real-time data and plan for different scenarios. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Be board-ready any time Export board-ready data and reports based on real-time information in seconds, and always be prepared for questions. [See your runway](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by the fastest-growing startups and CFOs Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo The world's fastest-growing startups and scaleups rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ## See your runway instantly Connect your banks. See your cash. Know your runway. Free to start – no KYB required. [See your runway](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/startups-draft#) Reject AllAccept All ## Global Payroll Solutions For HR & EOR platforms # Run global payroll with 100% accuracy Run global payroll without a hitch every cycle, because your reputation depends on it. Never lose your client's trust. Always pay on time. [Start paying now](https://dashboard.finmo.net/signup) [How it works](https://youtu.be/UW_kbYhvG0g) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F31553f1f03eb2055210e375a5b158a5d9f27f562-2353x2624.webp&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## See the difference with financial clarity ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fcf103bf5ec6846b3620f5d315bb789447ea6a04f-5360x3020.webp&w=3840&q=100) Built for payroll at scale ## Fund every cycle and country with confidence Always run reliable payrolls globally with an audit trail every cycle. Payroll funding forecast See obligations by country, currency, and pay cycle weeks in advance. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e67895ddaee3cdc1dc621d447384ab0966baca6-2188x1180.png&w=3840&q=100) FX exposure management See your currency risk on the full payroll run and lock rates before execution. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7481520f6d924969dc326a2b2fa50832f960993f-2188x1180.webp&w=3840&q=100) Multi-bank visibility See all funding accounts across every country in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff68ba5b1b32f5a26b8a3415065b5cac0d1bb29ed-2184x1324.png&w=3840&q=100) Payment controls Set approval workflows, segregation of duties, and establish a full audit trail. ![](https://cdn.sanity.io/images/3m8qrzh6/production/ae5e751f50532cf7298ef816d0e21de98b41bc41-547x310.svg) Multi-country execution Pay globally like a local on the same day. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F308368801c092af61181168db114cd7af0c2a32e-2259x1114.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by global HR and EOR platforms Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo The smartest HR and EOR platforms globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## Run reliable payrolls every cycle Connect your funding accounts in minutes. Free to start – no KYB required. [Start paying now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/hr-eor#) Reject AllAccept All ## Global Payments Solutions Global Payments Solutions # Support growth with smarter real time global payments Finmo’s global payments platform gives finance teams real-time visibility and control over every international payment. Collect locally, pay globally, manage FX transparently, and move money with confidence, all from one connected system. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb7fee882239cb61df27fd32d9add3326881c52ec-1200x1350.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/2245cb3bba265521c7230cac2268164a589ff26b-547x656.svg) Global currency accounts ## Collections without borders Get paid like a local in 30+ currencies. Open virtual accounts for business payments in minutes and use your customer’s preferred payment method. With Finmo's global payments platform, finance teams gain real-time payments tracking, transparent FX, and cost-efficient international transfers. [Global currency accounts](https://www.finmo.net/product/payments/global-multi-currency-account) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F837874f27265807610b88a8331fc63d8de16812e-1094x1312.webp&w=3840&q=100) Local and cross-border payouts ## Global payments, simplified Send real-time local and international payments across 180+ countries in 80+ currencies. Finmo’s international payments platform delivers fast settlement, transparent pricing and built-in FX; all through a single global payments infrastructure. [Local & cross-border payouts](https://www.finmo.net/product/payments/local-and-cross-border-payments) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd0d316d82cb956f65692186b49abe2a8f771464a-1094x1312.webp&w=3840&q=100) Real time FX payments ## Be sure what you’re sending Access live, competitive FX rates for 80+ payout currencies with full visibility into fees. Lock rates and know exactly how much your beneficiary will receive and the amount deducted from your account — before you make the payment. Sender Validation for Error-Free International Payments ## End payment errors Instantly verify account ownership across regions to reduce fraud and payment errors. With Confirmation of Payee in Australia and Verification of Payee in the UK and Europe, Finmo’s global payments platform ensures every transaction reaches the right destination. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d685ff2259917390c9e916da8947220eee3e5d6a-1344x604.svg) Submit payee details Whether you're onboarding a beneficiary or processing a payout, Finmo verifies accounts instantly with just a name, bank, and account number. Verify instantly Finmo connects to a global network of banks and payment service providers to validate the data. Review & proceed Receive per-payee verification results instantly and choose to proceed with the transaction or review details before authorizing the payment. Security & Compliance for Global Payments ## Smart fraud defence.  Secure funds. Finmo’s global payments platform is secured on two fronts. Partnerships with global financial institutions ensure your funds are securely held in compliance with local regulations and international standards. And advanced transaction monitoring automates the detection and flagging of suspicious activity in real-time. ![PCI DSS](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![SOC2 TYPE2](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![ISO 270001](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong [Licences & Registrations](https://www.finmo.net/about/license-and-registrations) ## Build smarter financial flows with AR/AP automation Move manual AR/AP workstreams, to smooth automated workflows. [AR/AP automation](https://www.finmo.net/product/ap-ar-automation) ## Try Finmo’s global payments platform today Sign up to explore our dashboard for yourself.Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea&__hstc=13127592.1afaa9afb9907e39aa624792feab9168.1770870535482.1772097382530.1772507781574.9&__hssc=13127592.7.1772507781574&__hsfp=690ea981d774df429b9918e7451e2da4) FAQs Frequently asked questions about real time payments and global transfers How do we reduce FX costs and improve transparency on cross-border payments? Finmo provides live, competitive FX rates with full transparency into fees and converted amounts before funds move. Finance teams can execute real-time FX payments, lock rates and see exactly what beneficiaries will receive. This reduces hidden spreads, improves forecasting accuracy and strengthens margin control across [international transactions](https://www.finmo.net/product/payments/local-and-cross-border-payments). How can we use virtual accounts for global collections? Virtual accounts allow businesses to receive payments in multiple currencies using dedicated local account details, without opening separate bank accounts in every country. With Finmo, finance teams can issue virtual accounts across 30+ currencies to collect from customers, partners or marketplaces as if they were local. Each virtual account can be assigned by entity, region or customer, making it easier to segment inflows, automate reconciliation and track performance in real time. This enables businesses to: 1\. Collect local currency payments without complex cross-border banking setups 2\. Reduce reliance on multiple banking relationships 3\. Improve visibility over global cash inflows 4\. Simplify multi-entity or multi-market operations By centralising collections within Finmo’s global payments platform, CFOs gain unified control over incoming funds while maintaining compliance and reducing operational friction. Learn how to create a virtual account with finmo: [https://docs.finmo.net/docs/virtual-account](https://docs.finmo.net/docs/virtual-account). How does Finmo ensure fund safety and payment security? Finmo operates under regulatory licences across 7 markets, providing oversight and compliance aligned with international financial standards. Client funds are safeguarded in accordance with applicable regulatory requirements and held separately with trusted financial institution partners, ensuring they are not used for operational purposes. See Finmo's licenses details here: [https://www.finmo.net/about/license-and-registrations](https://www.finmo.net/about/license-and-registrations) In addition to regulatory safeguards, Finmo applies layered security controls across every transaction. This includes real-time transaction monitoring, beneficiary validation, role-based approval workflows and anomaly detection to reduce fraud and prevent payment errors before funds are released. Which use cases is the global payment platform designed for? The Finmo global payment platform is explicitly designed for finance and treasury teams that manage financial operations across numerous countries. Core use cases include managing cross-border payroll, supplier payouts, customer refunds, and marketplace settlements at scale. By combining virtual accounts, local and cross-border receivables and payouts, and real time FX payments, Finmo simplifies these complex global workflows and gives centralized finance teams control over their entire international payments infrastructure. How does Finmo keep international payments secure and compliant? Finmo keeps international payments secure and compliant with strong customer verification processes, real time transaction monitoring and 3DS authentication alongside partnerships with regulated financial institutions. Finmo’s global payments platform also adheres to the following global standards for data and systems security: PCI-DSS Compliant (Payment Card Industry Data Security Standard): Global security standard for all organizations that store, process, or transmit payment card data, ensuring a secure environment to prevent fraud and breaches. SOC 2 Type 2 (System and Organization Controls 2): Verifies that a service organization's controls for security, availability, and processing integrity have been designed and operated effectively over a specified period of time. ISO 27001 (Information Security Management System): Globally recognized standard provides a systematic framework for establishing, implementing, maintaining, and continually improving the security of all information assets. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/payments#) Reject AllAccept All ## FX Management Solutions # Effortless transactional FX management Unlock competitive FX rates and simplify currency conversions for your international transactions, all from one platform. [Contact us](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc588f443ff7adc7415eb80a545ebfe45bab62d22-1245x1350.webp&w=3840&q=100) ## Transparent and competitive FX rates ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0934e4a7ba1e199b485b688f6aeebf7109a3dfe3-1094x1312.webp&w=3840&q=100) ## Know exactly what you pay Access competitive FX rates in HKD and major currencies with full transparency on fees and margins. Every transaction is clearly priced, so you know precisely what your beneficiary will receive. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fea75ff5a3779f56f7b7c3b27fa62b19a4bb3883f-1094x1312.webp&w=3840&q=100) ## Lock rates on your terms Secure FX rates for up to 24 hours across major and selected emerging currencies. Protect against market volatility with guaranteed, time-bound pricing. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa9a11c73c8c59115f963a562667028af350199df-1094x1312.webp&w=3840&q=100) ## Simplify international payments for your business Finmo supports secure HKD and foreign currency transfers to partners, suppliers, or employees worldwide, with same-day settlement in most cases and full compliance with Hong Kong regulations. ## Build without boundaries Connect your systems directly to Finmo’s API to automate pay-ins, pay-outs, and currency exchange. Our developer resources and sandbox environment make it easy to integrate and scale your international payment flows. [Contact us](https://cfq2o.share-na2.hsforms.com/2uPAK_ps-TyOAfW8IYu5r7g?__hstc=13127592.a348cb93508c09200ef67d63779b46fb.1771208885200.1771569601085.1771573508492.10&__hssc=13127592.3.1771573508492&__hsfp=507f68c462df015acb70992ed4a8c9a1) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/fx-conversion#) Reject AllAccept All ## Finmo Media Resources ![](https://cdn.sanity.io/images/3m8qrzh6/production/191af40e5985ae2c0b62ee0287b41d87b1c0e266-24x24.svg) Press centre # Media Resources Here you’ll find everything you need to know about Finmo, including company information, logos, and media contact details. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F00b63090a7a071463d023bc99193bd2f1f27fef2-1048x574.jpg&w=3840&q=100) ### Logo Suite Download Finmo logos for use on light and dark backgrounds. Please contact the Finmo team for any questions regarding usage. [![](https://cdn.sanity.io/images/3m8qrzh6/production/d47d98641fe54089f38b3f5f9df5e071cc334869-24x19.svg)\\ Download](https://drive.google.com/drive/folders/1eYl-GCI9EbEPNLXxpb2YbFfuF474dizy?usp=sharing) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc2a364f22b508507dadc76b9f23ebf9b0429e861-1048x574.jpg&w=3840&q=100) ### Finmo Brand Guidelines Access Finmo brand guidelines, including fonts and colours usage, iconography, imagery, our value proposition and values. [![](https://cdn.sanity.io/images/3m8qrzh6/production/2fa3195dcfcf290210ee6d7dcce4f173ce6837a1-24x19.svg)\\ Download](https://drive.google.com/drive/folders/1iuEMeoXLZWUUEgcqdN5Zd-eJSIw1VtFK?usp=sharing) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F381028e696a2d0285ed6eac6491740da1c4d2beb-1048x574.jpg&w=3840&q=100) ### Company Information Finmo’s company description, our product offerings, key facts, milestones and geographic presence. [![](https://cdn.sanity.io/images/3m8qrzh6/production/2fa3195dcfcf290210ee6d7dcce4f173ce6837a1-24x19.svg)\\ Download](https://drive.google.com/drive/folders/1iuEMeoXLZWUUEgcqdN5Zd-eJSIw1VtFK?usp=sharing) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9bfc4200edd1d2cd2382c5423354e00af506f031-1048x574.jpg&w=3840&q=100) ### Brand Videos The most recent Finmo’s brand video in high-resolution. [![](https://cdn.sanity.io/images/3m8qrzh6/production/2fa3195dcfcf290210ee6d7dcce4f173ce6837a1-24x19.svg)\\ Download](https://drive.google.com/drive/folders/1Mlw4Ay1AF_Q3Ts9uxZ1tvh5IDLScLZVW?usp=sharing) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/media-resources#) Reject AllAccept All ## Agency Global Payments For marketing & affiliate agencies # Protect margins on global creator payouts Execute multi-currency payouts to creators and vendors worldwide while maintaining real-time visibility into cash flow and margins. Collect in 30+ currencies. Payout to 180+ countries. [Protect your margins now](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8b3b48cccabaf30133953a225eece1e5ec8c175a-2378x2700.webp&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## See the difference of full visibility ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e3179591a6d93d243be4a0997b1a413c93070c9-5360x3020.webp&w=3840&q=100) Built for agencies that pay globally ## See inflows and outflows in real time Most agencies manage client revenue and creator payouts in completely separate systems. Finmo connects both sides, so you can see your real margin in real time, not after the month closes. Connected bank accounts See your full cash position across all retainers and accounts in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F79a637dd897dbc3fa2310b6696598fdc6a7d576e-2188x1180.webp&w=3840&q=100) Real margin, all month Get full visibility over client inflows and creator outflows, in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe6a5698bfddb46cc192b49f69d42190404472955-2188x1236.webp&w=3840&q=100) Batch multi-currency payouts Pay hundreds of creators and affiliates in their currency in one go. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F44c4ed6a9131df80a54b7e35db8cb4b73592f747-2132x1390.webp&w=3840&q=100) Competitive FX Say goodbye to hidden spreads eating into your margins, and always get transparent pricing. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F35d0a2990223926f04d17af805800f9046064297-2188x1180.webp&w=3840&q=100) Xero & QuickBooks sync Say goodbye to matching spreadsheets to bank statements manually and see payments flowing in automatically. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4f1401023d7831ad7a00971a5eb688ee4b2e9716-2188x1180.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5895a7d23e05a7fed4d3da2e7b841a8860600af2-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## What businesses are saying about Finmo The fastest-growing agencies globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay How global agencies run finance ## See your global cash position in minutes Connect your accounts Link all your bank accounts instantly. Your money won't move without your approval. See all your cash Get full visibility of all balances across all accounts and currencies before you pay, from one dashboard. Pay creators anywhere Upload your payee list. Set currencies and amounts. Execute batch payouts to 180+ countries. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) See your margin Inflows from clients. Outflows to creators. Your real margin - visible in real time, not at month-end. [See your cash](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World-class security & compliance ## Trusted by ambitious global agencies Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## Protect your agency's margins Connect your banks, see your cash, know your margin. Free to start – no KYB required. [See your margins now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/agencies-draft#) Reject AllAccept All ## Cashflow Kickstart Terms # Cashflow Kickstart Last updated: March 16, 2026 Contents - [1\. Promoter](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#1-promoter) - [2\. Eligibility](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#2-eligibility) - [3\. Promotional reward](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#3-promotional-reward) - [4\. Verification](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#4-verification) - [5\. Promotional period](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#5-promotional-period) - [6\. Anti-abuse](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#6-anti-abuse) - [7\. Communications consent](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#7-communications-consent) - [8\. Privacy](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#8-privacy) - [9\. General](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#9-general) ## 1\. Promoter This promotion (the “Offer”) is promoted by Finmo Tech Pte Ltd (“Finmo”). ## 2\. Eligibility To qualify for the Offer, a business must: 1. Create a Finmo account and successfully complete all required Know Your Business (KYB) verification and onboarding steps on the Finmo platform in accordance with Finmo’s Terms of Service (available at [www.finmo.net](https://www.finmo.net/)); 2. Upload at least one valid bank statement to the Finmo Treasury Dashboard as part of the promotional eligibility requirements; and 3. Successfully complete and settle at least one Finmo pay-in or pay-out transaction using the Finmo dashboard with a minimum value of USD 500. 4. Complete steps 1-3, above within 30 days of completing your KYB verification. Transactions that are reversed, refunded, cancelled or otherwise not successfully settled will not qualify. Eligibility will be assessed by Finmo based on the criteria set out in these Terms and Finmo’s compliance, risk management and onboarding policies. Finmo may decline eligibility where required to comply with its legal, regulatory, anti-money laundering, sanctions, or risk management obligations. Duplicate or multiple accounts created by the same business, individual, or related entity are not eligible. The Offer is not available to Finmo employees, contractors, affiliates, or businesses located in jurisdictions where the Offer is prohibited by law. Finmo may request additional information reasonably required to verify eligibility. ## 3\. Promotional reward Eligible businesses will receive USD 555 in promotional fee credits (the “Reward”). ### The Reward: - will be applied against Finmo transaction processing fees incurred on the Finmo platform; - cannot be withdrawn, transferred, exchanged, or redeemed for cash; - may only be used toward eligible Finmo service fees; and - will be automatically applied to applicable transaction fees until the Reward balance is fully used or expires. The Reward expires 90 days after it is issued if any balance remains unused. The Reward is issued once per eligible business account. ## 4\. Verification Finmo may take reasonable steps to verify: - the identity of the business; - the authenticity and completeness of any uploaded bank statements; - the accuracy of information provided during onboarding; and - compliance with KYB, sanctions screening, and regulatory requirements. Finmo may withhold or cancel the Reward if: - eligibility requirements are not satisfied; - verification cannot be completed; or - fraudulent, misleading, inaccurate, or incomplete information has been provided. ## 5\. Promotional period The Offer commences at 12:00am Singapore Time (SGT) on 16 March 2026 and will continue until withdrawn by Finmo. Finmo may withdraw or amend the Offer at any time by updating or removing the promotion from the Finmo website. Any eligible participant who has satisfied the requirements prior to withdrawal will remain eligible to receive the Reward. Finmo may limit the total number of Rewards issued under this Offer. ## 6\. Anti-abuse Finmo reserves the right to disqualify any participant where Finmo reasonably believes the participant has: - attempted to manipulate or circumvent the promotion; - engaged in abusive, fraudulent, or deceptive behaviour; or - undertaken transactions primarily intended to artificially trigger the Reward. ## 7\. Communications consent By participating in this promotion, you acknowledge that Finmo may contact you regarding: - your onboarding progress; - verification requirements; and - issuance of the Reward. Promotional communications (such as product updates, feature announcements or marketing communications) require separate consent, which is collected via an unticked checkbox during signup. You may unsubscribe from such communications at any time. ## 8\. Privacy All personal and business information collected in connection with this Offer will be handled in accordance with Finmo’s Privacy Policy. Information provided for KYB, onboarding, transaction verification and eligibility assessment may be used for compliance, fraud prevention, regulatory obligations, and administration of this Offer. ## 9\. General Participation in this promotion constitutes acceptance of these Terms & Conditions. Finmo will determine eligibility in accordance with these Terms and its applicable compliance and risk policies. Finmo will not be responsible for delays or failure to issue the Reward caused by: - technical failures or system outages; - third-party service interruptions; or - incomplete or inaccurate information provided by the participant. This promotion relates to Finmo’s payment and treasury services only and does not constitute financial advice or a recommendation to use any financial product or service. These Terms are governed by the laws of Singapore. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions#) Reject AllAccept All ## Finmo Pricing Plans Finmo Pricing ## One platform. Flexible pricing. Full financial control. Choose the modules that matter most to your business today and expand as complexity grows. Finmo’s modular pricing ensures you only pay for what delivers value, while maintaining full visibility and control across accounts, entities, and markets. ## Subscription Overview Designed to support different stages of scale - from getting started
to managing complex, multi-entity operations. Essential Best for small teams getting started with
core cash and payment workflows. Free [Get started](https://dashboard.finmo.net/signup) Plus Designed for finance teams managing higher volumes that need forecasting, reconciliation, and more advanced cash control. $49/mo/user [Get started](https://dashboard.finmo.net/signup) Enterprise Built for organizations managing multiple entities, higher complexity, and bespoke operational requirements. Custom [Talk to our team](https://www.finmo.net/contact-us) Subscription fees are charged per entity for Essential and Plus plans. The Enterprise plan covers all entities within the organization. Fees exclude GST (if applicable) and are separate from transaction-based or payment method fees. # Compare plans Compare plans Essential For startups and growing companies who want to simplify finances Free [Get started](https://dashboard.finmo.net/signup) Plus For mid-sized companies looking to scale and automate mission-critical treasury functions $49/mo/user [Get started](https://dashboard.finmo.net/signup) Enterprise For global enterprises who need full customization Custom [Talk to our team](https://www.finmo.net/contact-us) Cash management Accounts Receivable Management Automated Invoicing Create and send invoices to customers automatically Recurring Invoicing & Auto-Pay Support full subscription billing and auto-pay flows. Payment Tracking Monitor customer payments and identify overdue accounts Customer Communication Send payment reminders and statements to customers Cash Application Automate matching payments to invoices for a clear view of cash Reporting and Analytics Generate reports on receivables aging, payment statuses, and other key metrics. Early Payment Discounts Auto-applies early pay discounts when available – ensure incentives aren't missed. AI-Driven Collections Smart workflows for escalations, follow-ups, and past-due prioritization. Connected Finance Connects with accounting software and other business systems. To be advised Accounts Payable Management Intelligent Invoice Capture Real-time, AI-powered OCR that extracts key data from invoices Multi-payment Methods Pay vendors through various methods, including ACH transfers, cards, wire transfers, etc. Invoice Coding AI auto-coding that predicts and learns from GL history. Customizable Approval Workflow Flexible routing by vendor, amount, department, or code. Purchase Order (PO) Matching Automatically matches invoices against corresponding purchase orders Fraud Monitoring Real-time detection for duplicates and suspicious activity. Connected Finance Connects with accounting software and other business systems. To be advised Invest Endowus\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Syfe\*\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Analytics and Value-Added Features Balance Live balances & transactions from your bank accounts, & gives you a single, up-to-date view of your true cash position Intelligent Upload - Included
Direct API - To be advised Cash Flow Forecasting Generate cash flow forecasts for up to 6 months with predictive modeling. Take control of your liquidity management decisions. 13-week rolling week forecasts Multi-entity Management Real-time performance insights across all your business units. Perform transactions across multiple entities from a single location. Unified Integration Bank Connectivity Gain complete visibility into cash positions across all accounts by securely connecting your bank accounts Intelligent Upload - Included Direct API - To be advised Accounting Software Connectivity Sync payments and automate the posting of journal entries to your general ledger. Accelerate your reconciliation processes. Intelligent Upload - Included Direct API - To be advised Excel The most common tool used by SMEs and MMEs finance teams. Send data to Cash and FX Management Modules. ERP Connectivity Aggregate cash data from your ERP systems for a single view of your cash flow. Generate industry data feeds such as VCF, CDF, MT940, and MT942. Intelligent Upload - Included Direct API - To be advised MO AI Conversation AI Interface Ask natural language questions across cash, payments, FX, and compliance — no training needed. Proprietary Treasury Intelligence Trained on Finmo's unique finance datasets, entity structures, payment flows, and risk patterns for an unmatched financial context. Real-Time Operational Actions Not just insights. MO can trigger payments, generate reports, or set hedging actions directly from chat. Multilingual Support Serve global teams with intelligent support in English, Bahasa, Thai, and more, ensuring relevance across markets. Payments fees ## Payments fees 
(usage‑based) The following fees apply when using Finmo’s payments and money
movement capabilities. These are usage-based and sit outside the
subscription plans above. ### Global Currency Account (GCA) Account Creation Free SWIFT (SHA)\[1\] $25 Prefunding Fee (Top-Up) $0 For USD, AUD, EUR, GBP, SGD Any GCA top up in the above currencies in customer gca wallet or master wallet (event: gca topup) will be charged $0 Whitelisting rule will not be applicable for GCA topup i.e. no matter the sender, we will not charge for the topup FX Rate \[2\] United States Dollar (USD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Australian Dollar (AUD), New Zealand Dollar (NZD), Canadian Dollar (CAD), Swiss Franc (CHF), Norwegian Krone (NOK), and Swedish Krona (SEK), Singapore Dollar (SGD) 0.50% Other Currencies 1.00% Cross-Border Convenience Fee 0.10% For a like-for-like currency cross-border transfer. This is in addition to the SWIFT (SHA) feei.e., AUD-AUD SWIFT payments \[1\] SHA: Both the client (sender) and beneficiary will pay fees to the sending bank. The beneficiary will receive the amount transferred, less the intermediary banks' fees. \[2\] The customer's mark-up/margin will be included as the FX exchange rate used to convert one currency into another. If any currency is not listed, it will be treated as an "other currency" ### Payment Method Fees Cards - Visa, Mastercard (Blended) Domestic 2.6% + $0.30 Per successful transaction International 3.4% + $0.30 Per successful transaction Local Bank Transfer SG: PayNow, FAST, MEPS 0.20% + $0.30 Per successful transaction ID 0.50% + $0.30 Per successful transaction MY: FPX 0.20% + $0.30 Per successful transaction PH 0.50% + $0.30 Per successful transaction TH: Prompt Pay 0.50% + $0.30 Per successful transaction VN 0.50% + $0.30 Per successful transaction AU: PayID 0.20% + $0.30 Per successful transaction NZ: Poli 1.50% + $0.30 Per successful transaction US: ACH, RTP, FEDNOW 0.50% + $0.30 Per successful transaction EU: SEPA 0.50% + $0.30 Per successful transaction Local Digital Wallet ID: GoPay, OVO, LinkAja, ShopeePay, DANA 2.6% + $0.30 Per successful transaction MY\[1\]: Shopeepay, Grabpay, WeChatPay (only MY entities), Touch N Go 2.6% + $0.30 Per successful transaction PH: GCash, Maya, Maya bill pay, Coins.ph, Shopee Pay, Grabpay 2.6% + $0.30 Per successful transaction TH\[2\]: Rabbit Line Pay, True Money 2.6% + $0.30 Per successful transaction VN: Zalopay, Appotapay, VNPT Money, Viettelpay, Shopeepay 2.6% + $0.30 Per successful transaction \[1\] Payout in MYR only to Malaysian entities \[2\] Payin ONLY ### Other Fees Settlement Fee 0.50% Per conversion of a transaction currency into
the settlement currency Refund\[1\] $0.30 + any network charge Per refund request Chargeback\[1\] $20 + any network charge Per chargeback request Bank Account Validation $1.00 Per successful verification API Integration Set Up Fee Varies Early Termination Fee Varies \[1\] Excludes any additional fees or charges imposed by Finmo’s Network Partners. Such charges will be passed on to you by Finmo. \*Finmo Tech Pte Ltd (“Finmo”) has a referral arrangement with Endowus Singapore Pte. Ltd (“Endowus”) and under this arrangement, Finmo acts as an introducer to Endowus. Endowus is regulated as a capital markets services licence holder and exempt financial advisor by the Monetary Authority of Singapore. Finmo is the referral party under this arrangement and in return for this referral, Finmo receives a referral fee from Endowus out of or based on the revenues Endowus generates within an agreed period as a result of any successful referral, which Finmo may disclose if so requested. Please note that Finmo does not and will not perform any regulated activities on behalf of Endowus other than to the extent of carrying out the introducing activities. This means that Finmo will not give advice or provide recommendations on any Endowus services. Further, the referral is carried out on a refer and step away basis, meaning that Finmo will play no further material role in intermediating any relationship between Endowus and me/us moving forward. If you have any questions about Endowus’ services, please contact Endowus Singapore Pte. Ltd. directly. The information made available to you on this website is for general information only and does not constitute a recommendation, an offer to sell, or a solicitation to invest in the products mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. The information is subject to change at any time without notice. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate. Investments involve risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance are indicative, is not guaranteed and subject to change at any time. It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Accordingly, you should read the relevant offering documents for disclosures of key features, key risks and other important information of the relevant products. You should assess whether the relevant product is suitable for you before proceeding to invest. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or consequences arising whether directly or indirectly as a result of your acting based on the information on this webpage. This webpage and information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject Endowus to any registration or licensing requirement in such jurisdiction or country. \*\*Finmo acts an introducer to licensed financial advisors, including Syfe Pte. Ltd. ("Syfe"). In return for introducing clients to them, Finmo receives a revenue share. Syfe is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore ("SFA") and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services. Please note that we don't take into account your business's objectives, circumstances or financial needs. Any advice given by us is of a general nature & informational only and is not personal financial product advice (meaning it does not take into account your objectives, financial situation or needs). Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement or other offer document prior to making an investment decision in relation to a financial product (including a decision about whether to acquire or continue to hold). As investments provided by our partners carry risk, before making any investment decision, please consider if it's right for you and seek appropriate taxation and legal advice. All financial products involve risk and you should ensure you understand the risks involved as certain financial products may not be suitable to everyone. Past performance of any product described on this website is not a reliable indication of future performance. ## Try Finmo today Sign up and start exploring our dashboard today, or book a demo to talk things through with our team. [Get Started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/pricing#) Reject AllAccept All ## Privacy Policy Overview # Privacy Policy Last updated: December 17, 2025 Contents - [Scope](https://www.finmo.net/privacy-policy#scope) - [Personal Data](https://www.finmo.net/privacy-policy#personal-data) - [Collection, use and disclosure of personal data](https://www.finmo.net/privacy-policy#collection-use-and-disclosure-of-personal-data) - [Cookies](https://www.finmo.net/privacy-policy#cookies) - [Information from Third-Party Sources](https://www.finmo.net/privacy-policy#information-from-third-party-sources) - [Retention of Customer Personal Data](https://www.finmo.net/privacy-policy#retention-of-customer-personal-data) - [Protection of Customer Personal Data](https://www.finmo.net/privacy-policy#protection-of-customer-personal-data) - [Access and Correction of Customer Personal Data](https://www.finmo.net/privacy-policy#access-and-correction-of-customer-personal-data) - [Links to other websites](https://www.finmo.net/privacy-policy#links-to-other-websites) - [Transfer of customer personal data outside of Singapore](https://www.finmo.net/privacy-policy#transfer-of-customer-personal-data-outside-of-singapore) - [Consent and withdrawal of consent](https://www.finmo.net/privacy-policy#consent-and-withdrawal-of-consent) - [Data subject rights](https://www.finmo.net/privacy-policy#data-subject-rights) - [Data breach communication](https://www.finmo.net/privacy-policy#data-breach-communication) - [Data protection officer](https://www.finmo.net/privacy-policy#data-protection-officer) - [Changes to policy](https://www.finmo.net/privacy-policy#changes-to-policy) This privacy policy sets out the basis on which Finmo and its group of companies around the world stated below (collectively known as “Finmo”) may collect, use, disclose or otherwise process personal data relating to you in accordance with the Personal Data Protection Act (PDPA): a. Finmo Tech Pte Ltd b. Paynow Technology Pty Ltd c. Finmo LLC d. Finmotech Canada Inc We use the information we collect about you to maximize the services that we provide to you. We respect the privacy and confidentiality of the information provided by you and adhere to the International Privacy Principles in markets we operate. Please read our Policy below carefully. ## Scope This Policy applies to personal data in the possession or under the control of Finmo, including any organization that Finmo may engage to collect, use, disclose or process personal data for the purposes of Finmo. ### Limited Applicability Finmo is currently not established in the EU region and do not offer goods or services to, or monitor the behavior of, individuals in this jurisdiction. We do not have EU employees, vendors, or customers. On this basis, the GDPR generally does not apply to our current processing activities. ## Personal Data 1. Personal data defined under the PDPA refers to: a. Data about an individual who can be identified from that data, or b. From that data and other information to which the organization has or is likely to have access. 2. PII Scope: a. Finmo primarily collect personal data of employees and minimal personal data of end users. We act as independent controllers for personal information we collect about our employees and job applicants for HR and corporate administration. 3. "Customer Personal Data" means any personal data which you disclose to Finmo. If you are an individual user of the services and/or products of Finmo, personal data which we may collect includes your: a. Name (including any alias used by you); b. Gender; c. Date of birth; d. Nationality; e. Country of residence; f. Identification number (including passport number); g. Tax residency; h. Proof of identity; i. Proof of residence; j. Employment information; k. Financial information; l. Transaction information; m. Proof of source of funds. n. IP address; o. MAC address; 4. If you are a corporate user of the services and/or products of Finmo, Customer Personal Data which we may collect from your directors, shareholders, beneficial owners, employees and any other individual authorized to act on your behalf (each known as a "Data Subject") includes such information as listed in paragraph 2 above in relation to each Data Subject. 5. Our services are not directed to persons under 18 and we do not knowingly collect Personal Data from anyone under 18. If we become aware that a child under 18 has provided us with Personal Data, we will delete that information as quickly as possible. If you are the parent or guardian of a child and you believe they have provided us with Personal Data without your consent, then please contact us immediately. ## Collection, use and disclosure of personal data 1. Customer Personal Data will be collected and used by the Finmo for any one or more of the following purposes: 01. to assess and evaluate your eligibility for registering an account with Finmo; 02. to manage the relationship between you and Finmo; 03. to enable Finmo to perform its obligations under or in connection with the provision of services and/or products to you; 04. to maintain legal and regulatory compliance in the jurisdictions in which Finmo operates; 05. to enforce the terms and conditions of any agreement between you and Finmo (including this Policy); 06. to enable Finmo to improve its services and/or products and marketing and customer relationships; 07. to send you updates on the services and/or products of Finmo, benefits, promotions and other such promotional material from time to time at the email address and/or contact number provided by you to Finmo; 08. where required under any applicable laws; 09. where required under any order of court from a court of competent jurisdiction; 10. for such purposes to which you have given your consent in writing (collectively the "Purposes") 2. Using your personal information for direct marketing. From time to time, and in support of our future development of our services, we may use your personal information to contact you to promote and market our Services, including benefits, promotions and other such promotional material from time to time at the email address and/or contact number provided by you to Finmo. You can opt-out from being contacted for direct marketing purposes by contacting us or by using the unsubscribe facility included in each direct marketing communication we send. Once we receive a request to opt out from receiving marketing information, we will stop sending such information within a reasonable amount of time. 3. Unless otherwise permitted or required under the PDPA or any other applicable laws, Finmo generally collects Customer Personal Data in the course of or in connection with the registration of an account and/or sub-account(s) with Finmo and only after you have: 1. been notified of the Purposes; and 2. provided Finmo with your written consent to the collection, use and disclosure of Customer Personal Data for the Purposes. 4. You acknowledge and agree that any Customer Personal Data provided to us (whether electronically or otherwise): 1. is done knowingly and voluntarily by you; 2. is complete, true and accurate in all respects; and 3. does not omit anything that affects or is likely to affect the meaning or significance of such personal data in any respect. 5. In order to ensure that Customer Personal Data is complete, true and accurate in all respects, you acknowledge and agree that it is your sole responsibility to update Finmo within reasonable time if there are any changes to such Customer Personal Data by informing the data protection officer of the Finmo in writing or via email at the contact details provided below in this Policy. 6. In the event that you provide personal data relating to any individual (whether such an individual is a Data Subject or otherwise), you undertake that you have obtained the consent from such individual concerned for the disclosure such personal data relating to them to Finmo and for Finmo to collect, use and disclose such personal data for the Purposes. 7. Finmo reserves the right to request for proof of notification and consent for the disclosure of personal data by an individual under paragraph 5 above. 8. You agree that Finmo may disclose Customer Personal Data to: 1. any governmental agency or regulatory authority of any jurisdiction properly exercising its powers; 2. professional advisers of the Finmo; 3. parties providing services and/or products to Finmo (including information technology services, know-your-client and anti-money laundering compliance services providers); 4. relevant group of companies around the world related to Finmo; 5. entities that Finmo is in discussions with for a merger or an acquisition of the Finmo by such other entities; 6. entities that acquire the assets of Finmo pursuant to any applicable law; 7. entities pursuant to any order of court from a court of competent jurisdiction 9. You acknowledge and agree that Finmo may continue to use and disclose Customer Personal Data for a reasonable period following the termination of the relationship between you and the Finmo for any one or more of the following purposes a. to allow Finmo to fulfill its outstanding obligations to you under any agreement between you and Finmo, if any; b. to allow Finmo to enforce its rights under any agreement between you and Finmo, if any; c. For such purposes to which you have given your consent in writing; d. where required under any applicable laws; e. where required under any order of court from a court of competent jurisdiction. ## Cookies 1. A cookie is a small file placed in your web browser that collects information about your web browsing behavior. Use of cookies allows a website to tailor its configuration to your needs and preferences. Cookies do not access information stored on your computer or any Personal Data (e.g. name, address, email address or telephone number). Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. This may, however, prevent you from taking full advantage of our website. 2. Our website uses cookies to analyze website traffic, provide social media sharing and liking functionality and help us provide a better website visitor experience. In addition, cookies and pixels may be used to serve relevant ads to website visitors through third party services such as Google Adwords and Facebook Adverts. These ads may appear on this website or other websites you visit. ## Information from Third-Party Sources 1. From time to time, Finmo may obtain information about you and/or your Data Subject(s) from third-party sources as required or permitted by applicable laws, including from: 1. public databases; 2. credit bureaus; 3. ID verification partners; and 4. social media platforms. 2. ID verification partners may use a combination of government records and publicly available information about you to verify your identity, including the following information relating to you: 1. name; 2. address; 3. employment information; 4. public employment profile (where applicable); 5. credit history; and 6. status on sanctions lists maintained by public authorities (where applicable) 3. Finmo obtains such information from third-party sources to comply with its legal obligations, including applicable anti-money laundering laws and to ensure that the services and/or products of Finmo are not used fraudulently or for other illicit activities. ## Retention of Customer Personal Data 1. Subject to any applicable laws, Finmo may retain Customer Personal Data for as long as it is necessary to fulfill the Purposes or in accordance with paragraph 8 under “Collection, Use and Disclosure of Personal Data” section above (as the case may be). 2. Finmo shall cease to retain Customer Personal Data or otherwise remove the means by which such Customer Personal Data can be associated with Data Subjects as soon as, in the opinion of Finmo, it is reasonable to assume that such retention no longer services the purposes for which the Customer Personal Data was collected and is no longer necessary for the Purposes. ## Protection of Customer Personal Data 1. To safeguard Customer Personal Data from unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks, Finmo has introduced appropriate administrative, physical, and technical measures (including up-to-date antivirus protection, encryption, and use of privacy filters) to secure all storage and transmission of Customer Personal Data by Finmo. 2. Any disclosure of Customer Personal Data (whether internally or otherwise) will only be carried out on a need-to-know basis. 3. You acknowledge and agree that no method of transmission over the internet or method of electronic storage is completely secure and Finmo makes no representation and/or warranty (whether express or implied) that there will be no unauthorized: 1. access to the Customer Personal Data; 2. copying of the Customer Personal Data; and/or 3. disposal of the Customer Personal Data. 4. You agree that, save for any willful default or fraud on the part of Finmo or its directors, officers, employees, representatives, and/or agents (each a "Relevant Person"), no Relevant Person shall be liable to you for any losses, liabilities, damages, costs and/or expenses (including any direct, indirect, incidental, special, consequential, or punitive damages or economic loss or any claims for loss of profits or loss of use) arising from or in connection with this Policy. ## Access and Correction of Customer Personal Data 1. You may make any one or more of the following requests in writing or via email to our data protection officer at the contact details provided below: 1. An access request for access to a copy of the Customer Personal Data or information on the ways in which we use or disclose the Customer Personal Data; 2. Please note that depending on the request that is being made, Finmo may only need to provide you with access to the Customer Personal Data contained in the documents requested, and not to the entire documents themselves, in which case it may be appropriate for Finmo to instead provide you with a confirmation of the Customer Personal Data that our organization has on record if the record of the Customer Personal Data forms a negligible part of the document. 3. Where Finmo is unable to comply with any request under paragraph 1 and 2 of the section above, Finmo shall inform you of the reason(s) for being unable to do so. ## Links to other websites This website may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personally identifiable information. This privacy policy applies solely to information collected by this website. ## Transfer of customer personal data outside of Singapore 1. In the event that Finmo and/or its services providers store, transfer, or otherwise process Customer Personal Data outside of Singapore, Finmo shall take steps to ensure that the Customer Personal Data continues to receive a standard of protection that is at least comparable to that provided under the PDPA. 2. In the event that you provide personal data relating to any individual (whether such an individual is a Data Subject or otherwise), you undertake that you have obtained the consent from such individual concerned for the transfer of personal data relating to such individual outside of Singapore. 3. Finmo reserves the right to request for proof of notification and consent for the disclosure of personal data by an individual under paragraph 2 of the section above. 4. Finmo does not transfer EU personal data as we do not process or handle any EU-sourced personal data. ## Consent and withdrawal of consent 1. In providing any Customer Personal Data, you acknowledge and agree that you have read, understood and agreed to this Policy and consent to the use, disclosure, and/or processing of the Customer Personal Data for the Purposes ("Consent"). 2. Your Consent shall remain valid until such time as withdrawn by you in writing or subjected to the relevant paragraphs located under the section on“Retention of Customer Personal Data” above, following the termination of the relationship between you and Finmo. 3. You may withdraw your Consent (whether in part or in whole) at any time in writing or via email to the data protection officer of Finmo at the details below ("Withdrawal Request"). **Please note that withdrawing your consent will only stop processing that is based on consent. Where we are legally required to keep and use certain personal data — for example to meet payment services, AML/CFT, regulatory, or audit requirements — we will continue to retain and process that data for those purposes and for the legally required retention period.** 4. Upon receipt of a Withdrawal Request, Finmo will inform you of the likely consequences of withdrawing your Consent (whether in part or in whole) and Finmo will cease collecting, using, or disclosing Customer Personal Data save in accordance with this Policy. ## Data subject rights As a user, you have the following rights regarding your personal data: 1. Right to access – You have the right to request a copy of your personal data held by Our Company. 2. Right to modify – You have the right to request corrections to any inaccurate or incomplete data. 3. Right to erase – You may request the deletion of your personal data under certain conditions. 4. Right to restrict – You can request the restriction of processing your personal data in certain situations. 5. Right to object – You have the right to object to the processing of your personal data under specific circumstances. 6. Right to withdraw consent – You have the right to withdraw your consent for processing your data at any time. 7. Right to know – You have the right to be informed about how your personal data is being used. ## Data breach communication 1. In the event of a data breach involving your personal information, we follow a strict protocol to promptly investigate, contain, and address the incident. We will assess the nature and scope of the breach and take necessary corrective actions. 2. Any detected data breach will be reported to relevant authorities and affected individuals within 72 hours of its identification, in compliance with applicable data protection regulations. 3. For any concerns or to report a suspected data breach, please contact our Data Protection Officer as outlined in the “Data Protection Officer” section of this policy ## Data protection officer Finmo has appointed a Data Protection Officer (“DPO”) to oversee compliance with applicable data protection and privacy laws and to act as a central point of accountability for data protection matters. **Contact Information:** - Data Protection Officer: info@finmo.net **Roles and Responsibilities:** - Advising Finmo on its obligations under applicable data protection and privacy regulations and monitoring ongoing compliance. - Overseeing the establishment, implementation, and maintenance of data protection policies, standards, and internal controls. - Providing guidance on data protection risk management, including reviewing data processing activities and supporting privacy impact assessments where required. - Acting as the primary point of contact for individuals regarding the exercise of their data protection rights and privacy-related enquiries. - Liaising with supervisory and regulatory authorities on matters relating to data protection and privacy compliance. - Supporting the management and assessment of personal data breaches, including coordination of investigations, mitigation actions, and regulatory notifications. - Promoting data protection awareness across Finmo through internal guidance, training initiatives, and best practice recommendations. ## Changes to policy 1. This Policy applies in conjunction with any other notices, contractual clauses, and consent clauses that apply in relation to the collection, use, and disclosure of Customer Personal Data by Finmo. 2. Finmo may revise this Policy from time to time without any prior notice and you acknowledge and agree that it is your sole responsibility to keep up to date with any revisions to this Policy. 3. Your continued use of any service and/or product provided by Finmo shall constitute your acknowledgement and acceptance of any revisions to this Policy. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/privacy-policy#) Reject AllAccept All ## Cash Visibility Dashboard Cash visibility # A Clear View of Cash Make more confident cash flow decisions with up-to-the-minute visibility into your cash positions, forecasts, and liquidity.All without manual reconciliations. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb9c1efcf8417f9936634fd4979f83f72927e564d-1200x1350.webp&w=3840&q=100) 360° realtime visibility ## Do your morning review in moments Complete cash management at-a-glance. Effectively track and forecast cashflow in one cash visibility dashboard. Balances Check your available cash balance for the current day in your base currency, or consolidated opening and closing balances. Accounts Access account specific transaction histories or see a consolidated view across all accounts after syncing your bank accounts. Currencies Get complete multi-currency cash visibility. Check balances in each account's native currency, plus an aggregated total in your chosen currency. Payables Review all your scheduled payouts that have been completed and line up bills to be cleared. Receivables Easily track invoices that are awaiting payment and set reminders for ones that are late. Transactions Cash management made easy. Access and review all transactions to check for any anomalies, or download them for further analysis. ## Turn blind spots into strong points Single currency view See cash in one currency Convert global balances into your base currency using live exchange rates, to give you clear visibility of your total cash position. ![](https://cdn.sanity.io/images/3m8qrzh6/production/afb305035a3ddfad03299424b4a859803558db65-547x310.svg) See receivables and payables in one Spot missed or late payments Improve cash management by overlaying your receivables and payables on your cashflow timeline. See what’s due, what’s delayed, and what’s coming up. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1ca9300622389e7046557f923b899aede79fe92e-1094x620.webp&w=3840&q=100) Historical cashflow Learn from the past Filter your cash flow data by a specific date range or switch to a monthly or quarterly view to visualise trends over time. ![](https://cdn.sanity.io/images/3m8qrzh6/production/47053412d26da706028c207926710127c41b5b95-1094x620.svg) Shared access Take your team with you Get everyone on the same page with a single source of truth for the whole team. Assign access levels and permissions by role to ensure appropriate cash visibility – without compromising security. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe7ef58647f062a7e946919b5ad42c14c863feabf-1094x620.webp&w=3840&q=100) ## Make payments smarter Collect in 40+ currencies and pay-out in 200+ countries – with instant FX. [Payments](https://www.finmo.net/product/payments) ## Try Finmo’s Cash Visibility Dashboard Today Sign up to explore our cash visibility tool for yourself. Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions about our cash visibility What is cash visibility and why do businesses need it? Cash visibility is the ability to see a real-time, consolidated view of your company’s cash balances across all bank accounts, entities, and currencies. Businesses need cash visibility to make informed decisions on payments, forecasting, liquidity planning, and risk management without relying on delayed reports or manual spreadsheets. How does Finmo provide real-time cash visibility? Finmo provides real-time cash visibility by securely connecting to your bank accounts. Once connected, Finmo automatically fetches and aggregates balance and transaction data directly from those banks, giving CFOs and finance teams an up-to-date view of available cash across the business at all times. Does Finmo support multi-bank, multi-entity, and multi-currency cash visibility? Yes. Finmo aggregates cash balances across multiple banks, legal entities, and currencies into a single consolidated view, while also allowing finance teams to drill down into specific accounts, entities, or currencies as needed. How does cash visibility help with forecasting, payables, and receivables? Real-time cash visibility provides the foundation for accurate cash flow forecasting and better cash management. By knowing exactly how much cash is available and where it sits, finance teams can plan payments confidently, anticipate shortfalls, manage collections more proactively, and make better liquidity decisions. How secure is Finmo, given CFOs need to connect their bank accounts? Security is central to Finmo’s platform. Bank connections are established using secure, encrypted channels and Finmo does not store bank credentials. Access controls, permissions, and industry-standard security practices ensure that sensitive financial data is protected while giving finance teams the visibility they need. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/cash-visibility#) Reject AllAccept All ## Local & Cross-Border Payments Local & cross-border payments # Grow globally, pay locally Make faster, more cost-effective cross-border payments and global mass payouts across 80+ currencies into 200+ countries in near real-time, with instant FX. All via a single connection to Finmo’s global payment network. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd38fdfd950970b29ee4d0ba9e01c7b675c6c5757-1200x1350.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/8da029d8349839db18bbfeded9866542e643104c-547x656.svg) Single API integration ## Scale global cross-border payments with single integration Launch cross-border payment solutions across multiple markets with a single API. Finmo enables global cross-border payments, mass payouts and multi-currency business payments through one secure integration; reducing operational complexity and accelerating expansion. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f8b59e08e28aa065c5ea8de0911af7362fa6446-1094x1312.webp&w=3840&q=100) Global payment network ## Act global, pay local Send global cross-border payments using local payment methods in 180+ countries. Pay employees, contractors or suppliers in their preferred currency while maintaining full visibility into FX, fees and settlement, enabling efficient multi-currency business payments at scale. ![](https://cdn.sanity.io/images/3m8qrzh6/production/00be1513b6d485c5b07bbe6df7195bee2c4eab31-547x656.svg) Virtual accounts ## Local banking, without the bank Open virtual accounts with local bank details to collect and disburse multi-currency business payments globally. Simplify cross-border payments, reduce reliance on traditional banks and centralise global cash flows within Finmo’s secure payment infrastructure. ![](https://cdn.sanity.io/images/3m8qrzh6/production/70b993d4afeb8c2c35b74292252e7a1d3721a10a-547x656.svg) Local payment methods ## Optimised for every market Don’t just pay in the right currency, pay in the right way. Support region-specific local payment methods across key markets while managing global cross-border payments from one platform. Send business payments directly to wallets or bank accounts ensuring faster settlement and higher success rates. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4fccc8663695b388fa2f1254c8451e94a0064f3f-1094x1312.webp&w=3840&q=100) Traceable transactions ## Track every business payment Monitor global cross-border payments and mass payouts in real time from your Finmo dashboard. Access transaction-level visibility, automated updates and full audit trails, giving finance teams control over every business payment sent. Global account verification ## End payment errors. Prevent fraud Reduce failed cross-border payments and authorised push payment (APP) fraud with real-time account verification. Instantly verify account ownership across regions to reduce fraud and payment errors. With Confirmation of Payee in Australia, and Verification of Payee in the UK and Europe, Finmo ensures every transaction reaches the intended recipient. [Confirmation of payee](https://www.finmo.net/product/payments/local-and-cross-border-payments/confirmation-of-payee) Real-time account verification Finmo instantly verifies account ownership by cross-checking submitted details against global banking networks to give you complete confidence before any money moves. Intelligent payee name-matching Detect discrepancies in beneficiary details with smart name-matching logic. Catch small errors before funds move and stay compliant with regional Confirmation of Payee requirements. Frictionless, compliant verification Protect global cross-border payments without adding complexity for payees. Verification happens seamlessly in the background, preserving payment speed while strengthening fraud prevention controls. [Explore Confirmation of Payee](https://www.finmo.net/confirmation-of-payee) ![](https://cdn.sanity.io/images/3m8qrzh6/production/5c3d0348fad5ee548f62fa71ec50aab40b7887b5-547x656.svg) Real time risk engine ## Built in compliance Finmo’s real-time risk and compliance engine supports secure global cross-border payments at scale. Our cross-border payment solutions help finance teams manage payment compliance, mitigate fraud risk and screen mass payouts against global sanctions lists, ensuring every transaction meets regulatory requirements before funds move. ## Power your global cross‑border payments Launch secure cross-border payment solutions, manage mass payouts and scale multi-currency business payments from one connected platform. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea&__hstc=13127592.1afaa9afb9907e39aa624792feab9168.1770870535482.1772097382530.1772507781574.9&__hssc=13127592.11.1772507781574&__hsfp=690ea981d774df429b9918e7451e2da4) FAQs Frequently asked questions How does finmo offer cross-border payments? Finmo’s cross-border payment platform is a global business payments infrastructure that enables companies to send, receive and manage cross-border payments, mass payouts and multi-currency business payments from a single platform. Unlike traditional banks that rely primarily on correspondent networks, Finmo combines direct local payment rails in 38+ markets with global SWIFT connectivity. This allows businesses to execute global cross-border payments to 180+ countries with optimised routing, transparent FX and real-time visibility. Through a single API and dashboard, finance teams can access available local payment methods by corridor and centralise international money movement without fragmented banking relationships. How does Finmo support global mass payouts? Finmo supports high-volume multi-currency business payments through a combination of robust API architecture and structured global customer profiles. Structured Profiles for Scale: Assigning unique Customer\_IDs allows you to manage recurring transactions and batch payments without re-entering sensitive data. Fund Segregation: You can link customer profiles to specific Virtual Accounts and wallets, ensuring funds are segregated, and operations remain organized even at scale. Automated Ledgering: Our payment service uses specific transaction types like RESERVE and RELEASE to block funds during processing, ensuring that mass payouts never overdraw your operational accounts. Which local payment methods and currencies are available? Finmo supports local payment methods in 38 markets and cross-border payouts to 180+ countries across 40+ currencies, enabling both domestic and international business payments. For domestic payouts, Finmo connects directly to local rails including: Australia: NPP and Direct Entry Singapore: FAST and PayNow Europe: SEPA Credit Transfer Philippines: Local bank transfers and supported e-wallets These direct integrations allow businesses to bypass costly correspondent banking routes for faster settlement and lower fees. For broader global cross-border payments, Finmo also supports international payouts via SWIFT and ACH networks, ensuring coverage across major and emerging markets. How does Finmo handle risk and compliance for international business payments? Finmo embeds risk management and compliance directly into its cross-border payment infrastructure, ensuring every international business payment meets local regulatory requirements before funds are released. Finmo is [regulated in 7 markets](https://www.finmo.net/about/license-and-registrations), and client funds are safeguarded in accordance with applicable regulatory requirements. Funds are held separately with trusted financial institution partners and are never used for operational purposes. In addition, Finmo’s real-time risk engine screens cross-border payments against global sanctions and watchlists, while corridor-specific reporting requirements are enforced programmatically. This reduces manual compliance burden and helps finance teams maintain governance across multi-currency payment flows. By combining regulatory oversight, automated screening and safeguarded funds, Finmo provides secure and compliant cross-border payment solutions for global businesses. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/payments/local-and-cross-border-payments#) Reject AllAccept All ## Finance for Agencies ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). Built for marketing and affiliate agencies # Manage creators, freelancers, and platforms in one place Execute multi-currency payouts to creators and vendors worldwide while maintaining real-time visibility into cash flow and margins. Collect in 30+ currencies. Payout to 180+ countries. [Get started for free](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff85cda109cd922f362dc8dad1c333cb564b2c68a-5356x2680.png&w=3840&q=100) Trusted by APAC finance teams - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/3f680677463fd3d0fb174cda7951049e7a8c612f-309x260.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fda729f8f415d0b0d47b0271bd990cab157c43a9d-1641x1968.webp&w=3840&q=100) Effortless payouts ## Protect campaign margins at scale Campaign payments move fast. Your financial visibility should keep up. Agencies managing global creators and platforms often face fragmented financial operations: • Payouts across multiple currencies • Creator and vendor payments across regions • Limited visibility into campaign cash flow Without clear financial insight, campaign margins can disappear through FX exposure, timing gaps, and manual payment workflows. Finmo gives agencies full visibility into campaign cash flow while simplifying global payouts. How modern agencies manage their finances ## Full visibility. Full control. Get a single view of cash flow, track currency exposure across retainers, and execute multi-currency payouts with one platform. Connect your accounts Link your bank accounts and payment platforms to get a single view of your agency's cash flow. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F692f4c20519128f530db01bc3e0ccb614d669062-2188x1188.png&w=3840&q=100) See your currency risk Track currency exposure across client retainers, international creator payouts, and platform spend. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fad3d48bce092c91bbeb8140138e7924a5a47c368-2188x1291.png&w=3840&q=100) Forecast your cash flow Model your future cash flow based on campaign cycles and affiliate payout schedules. Know where you stand, always. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F431ca272abd6b8c727e1faa089cc692adaf61a67-2188x1196.png&w=3840&q=100) Automate global payouts Execute multi-currency payouts to freelancers, creators, and platforms, from one central platform with full FX visibility. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fff00bbda08275a89c853af1dfca57d7ed9c12674-2188x1452.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Trusted by the world's fastest-growing agencies ## What businesses are saying about Finmo The fastest-growing agencies rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Security & compliance ## Enterprise-grade infrastructure for agencies As your company grows, financial infrastructure matters. Finmo operates under globally recognised security and compliance standards so you can manage global payments and financial data with confidence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/512ad194ee55228d4c477e46b2559a1a0c6de0f5-200x77.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb3dfab66d812cc6b64e7b92a9cdd8fc9547c7950-97x97.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong FAQs Frequently asked
questions Is my company's money safe with Finmo? Finmo holds the required licences and registrations in 8 countries — including Singapore (MAS), Australia (ASIC), the UAE (DFSA), the UK (FCA), and the US. We are PCI DSS, SOC2 Type II, and ISO 27001 certified. Your funds are safeguarded in accordance with the regulatory requirements of each jurisdiction. How long does it take to open an account and make my first payment? Account opening takes minutes. Most startups complete their first international payment within the same day. There is no minimum balance requirement and no legacy onboarding process. We already use Wise and a local bank. Why do we need Finmo? Wise moves money. Your local bank holds it. Neither shows you the real-time impact of every transaction on your consolidated cash position across currencies. Finmo does all three, and because payments and cash intelligence are the same product, every transfer you make instantly updates your dashboard. No manual reconciliation. No gap between what moved and what your numbers show Do I need to replace all my existing banking relationships to use Finmo? No. You can connect your existing bank accounts to Finmo for visibility and use Finmo's multi-currency account for international collections and payments. ## Pay with ease. Grow without risk. [Get started for free](https://dashboard.finmo.net/signup) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/marketing-and-affiliate-agencies#) Reject AllAccept All ## Finmo in Hong Kong # Your trusted remittance & FX partner in Hong Kong Finmo Hong Kong Limited provides licensed money service operations, including local HKD transfers, cross-border remittance, and competitive FX services. We enable secure,transparent and compliant money movement for businesses and individuals. [Start now](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fedb0c7ae3859890e09b999c0c67db1cfe56d56bc-2000x1140.webp&w=3840&q=100) ## Our products Finmo runs on real time payment rails, powering instant money transfers, optimized liquidity management, effective financial risk mitigation and seamless compliance with financial regulations, all in one place. In Hong Kong, our focus is on delivering essential services - payin, payout, currency exchange, and the remittance services to our clients - with the same speed, transparency, and efficiency that power our global platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa9a11c73c8c59115f963a562667028af350199df-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) ## Local & Cross-Border payments A new, better way to accept payments locally and to pay globally. Empowering businesses to transact with only the most relevant methods that optimize for speed, convenience, and cost. [Learn more](https://www.finmo.net/hk/local-and-cross-border-payments) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa9a11c73c8c59115f963a562667028af350199df-1094x1312.webp&w=3840&q=100) ## FX conversion Exchange money with ease. We support HKD and major currencies, giving you transparent rates and secure transfers for both local and international transactions. [Learn more](https://www.finmo.net/hk/fx-conversion) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) World class security ## Safe in our hands Your transactions are processed through leading global financial institutions, ensuring funds are handled securely and in line with the regulations of each jurisdiction where Finmo operates. [Licenses and Registration](https://www.finmo.net/about/license-and-registrations) Team ## Our expert team Our executive team has over 100 years combined experience launching and leading globally recognised fintech, payments and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb41b46c245be4d5ca409a545d63a1233954bef-632x768.webp&w=3840&q=100) David HannaChief Executive Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffa65114acc049ad3e0b685aaf33de2e32101d32e-632x768.webp&w=3840&q=100) Richard OhChief Strategy Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc85d2bb936252c4608d9faa67738cc0c1268b9dc-1264x1536.webp&w=3840&q=100) Akhil NigamChief Product Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F733c8c8a4e71ab40840263dfa0c7d2d600154220-632x768.webp&w=3840&q=100) Raj Vimal ChopraChief Technology Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4f499d7e51cbcb85b26faa981684878729c92f04-632x768.webp&w=3840&q=100) Thomas KangChief Revenue Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b16b408c9f11b8c23b089dcc6bcfe3f3c3d8e4e-632x768.webp&w=3840&q=100) Jonathan LewChief Financial Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4319f20c73a038b2e4ada6a21f110ff86a85ee9a-632x768.webp&w=3840&q=100) Anthony YeohChief Compliance Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Febab0970f9c822bc943141df866403ec2456a1e4-1264x1536.webp&w=3840&q=100) Mansi ChopraChief Marketing Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f5d4403adfbf41335fb3886a705e1d35f441b77-1264x1536.webp&w=3840&q=100) Holly FangChief Bussiness Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9c24cb1b02df8ff258e64f004e36cfcf519a487e-632x768.webp&w=3840&q=100) Joana Mikaela LiewChief Human Resources Officer Our investors ## Backed by the best - ![Quona](https://cdn.sanity.io/images/3m8qrzh6/production/1743cad2b98f96692708c1ab5a7d97af777c8546-134x131.svg) ![Paypal Ventures](https://cdn.sanity.io/images/3m8qrzh6/production/1753aef959683cce4c625d64315147bebf19a310-201x131.svg) ![citi ventures](https://cdn.sanity.io/images/3m8qrzh6/production/e5b6a7d537b20211184847de48ee282bba4bf56e-191x131.svg) ![Insignia Ventures Partners](https://cdn.sanity.io/images/3m8qrzh6/production/b21e6d900e0b2f629d574c97aacdc314ecae04f3-148x131.svg) ![Soma Capital](https://cdn.sanity.io/images/3m8qrzh6/production/6e910f84cd1b2f2a1d401375fdf3333716101f6a-130x131.svg) ![GFC](https://cdn.sanity.io/images/3m8qrzh6/production/28aa9a2fd903df29ff7254809b7aeb39fcc1006e-94x131.svg) Streamlined onboarding ## Get started fast Sign up and start exploring our dashboard today.
Or book a demo to talk things through with our team. Our slick 4-step onboarding and KYB process will get you up-and-running securely and removes unnecessary process and paperwork. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Control Your FX Costs For importers & exporters # Know what FX is costing you before you pay Your bank won't show you how much you're losing on every supplier payment. Connect your accounts, see exactly what FX is costing you, and act before your margin leaks. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F53ecb62f1c152df40a9cf00b093885e879ee91ac-2640x2751.webp&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## Gain full financial control with one platform ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbf7471cf119df2a62cf1d4015a7918987529767a-5360x3020.webp&w=3840&q=100) Manage FX risk ## See your FX exposure & protect your margins Connect all your business bank accounts and map every outgoing payment to its currency exposure. See what you owe, when it's due, and what FX is costing you in real time. Multi-bank visibility DBS, HSBC, OCBC, ANZ, and all major banks in one view, updated in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e67895ddaee3cdc1dc621d447384ab0966baca6-2188x1180.png&w=3840&q=100) 13-week cash forecast Rolling forecast of inflows and outflows by currency, tied to your actual bank data – not spreadsheet guesswork. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7481520f6d924969dc326a2b2fa50832f960993f-2188x1180.webp&w=3840&q=100) FX exposure by supplier See which invoices carry currency risk and how rates have moved since they were issued. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fedfb9701191d9da1e12929bed6fb590bfed9aac7-2491x1952.webp&w=3840&q=100) Pay suppliers in 180+ countries Get the most competitive FX rates via institutional liquidity with no hidden bank spreads. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F78e7220cccc071bd098e967e73a57b88613d75bb-2188x1484.webp&w=3840&q=100) Xero sync Payments flow straight into your books, with no need for manual reconciliation, ever. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F308368801c092af61181168db114cd7af0c2a32e-2259x1114.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5895a7d23e05a7fed4d3da2e7b841a8860600af2-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Full control of global trade finance ## Control every stage of global trade finance Connect your banks Link DBS, HSBC, OCBC, and most major banks. Your money won't move without your approval. See your exposure Map your open payables to currencies and see your total FX exposure in real time – by supplier, currency, and due date. Forecast your cash Perform a rolling 13-week forecast built from your real-time bank data so you can see what you need, when, and in which currency. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Pay when you're ready Execute supplier payments at competitive rates from the same platform.
Straight into your accounting software [Take control now](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Enterprise-grade security & compliance ## Trusted by global importers & exporters Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo Companies trading globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ## See what FX is really costing you Connect your financial ecosystem in minutes, for free. No KYB required. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/import-export-draft#) Reject AllAccept All ## Cross-Border Payments ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). For global trading companies # Stop FX from taking your margins Every time you pay a supplier overseas, your bank takes a spread it doesn't show you. Finmo shows you exactly what FX costs on every payment, and lets you pay to 180+ countries at institutional rates, with no hidden margins. [See your FX costs free](https://dashboard.finmo.net/signup) [Speak to our team](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd748618044c5e99eee6bb19fb5053496a43df114-1641x1968.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) One platform for cross-border commerce ## Everything your bank should have built but didn’t From seeing what FX costs you to paying suppliers at better rates, Finmo gives you full control over every dollar that crosses a border. FX Cost visibility See what every cross-border payment is costing you Connect your accounts and see every outstanding supplier payment mapped to its currency, rate, and real cost. Know what FX costs before the money moves, not after. \- Every open payable by currency and due date in one view \- See how rates have moved since each invoice was issued \- Know the real cost before you confirm, not after Better rates & multi-currency Pay suppliers at rates your bank wished they could offer Institutional FX rates on every cross-border payment, to 180+ countries, from one account. Collect from buyers in 30+ currencies without forced conversion. Convert when the rate works for you. \- Pay suppliers in 180+countries from one platform \- Collect in 30+ currencies, hold without forced conversion \- Convert on your terms, not your bank's schedule Cash visibility Stop managing cash from a spreadsheet All your bank accounts, currencies, and entities in one real-time dashboard. See what's going out, in which currency, and when, so you're never caught short before a major payment. \- All your banks in one view, updated in real time \- Rolling 13-week forecast built from actual bank data \- Syncs with your accounting software, no manual reconciliation How it works ## Get full visibility over your FX costs Connect your banks, see your exposure, and start paying with better rates Connect your banks Link your DBS, HSBC, ANZ and all major banks. Read-only access; your funds never move without your explicit approval. See your exposure Every open payable mapped by currency, supplier, and due date. See what FX is costing you right now, in real time. Pay at better rates Execute supplier payments at institutional FX rates from the same platform. Straight into your accounting software. [Get started for free](https://dashboard.finmo.net/signup) Trusted by global businesses ## Protect your margins like these businesses > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Built for global commerce ## Security and compliance your business can rely on Finmo is a fully licensed financial platform built to the same regulatory standards as the institutions it connects to, so you can move money globally with confidence, not crossed fingers. Read-only bank connections: We connect to your banks to read and display your data. Your funds never move without your explicit approval. Licensed across 8 jurisdictions: Regulated in Singapore, Australia, New Zealand, Canada, the US, the UK, Dubai and Hong Kong. ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## Protect your margins today Connect your financial ecosystem in minutes, for free. No KYB required. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/import-export#) Reject AllAccept All ## Modern Treasury Management # Treasury management for modern finance teams Finmo is a treasury management and payment platform for modern finance teams. Integrate complete financial and bank data, move money globally, optimise liquidity, and manage FX risk – all in one smart platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5d3b6093753ffb161a133920d2ea67a73f6ffcfd-2688x1316.webp&w=3840&q=100) Why Finmo? ## Future‑facing finance Faced with the challenge of multiple geographies, currencies, entities and compliance requirements, the demands on today’s CFO have never been greater. With change the only constant, and complexity increasing, CFOs need to move from spreadsheet-based financial stewardship, to future-facing strategic leadership. But with finance teams held back by slow, disparate data, and multiple disconnected softwares, getting the future-facing visibility to do this isn’t easy. At Finmo we provide agile treasury management that meets the needs of the modern CFO – without the expense and complexity of traditional enterprise solutions. A single platform that gives CFOs connected, future-facing intelligence, using data from across their business: The foresight to know their next move. And the confidence and control to act on it. [Watch the video](https://youtu.be/UW_kbYhvG0g) > “Finance leadership today is about foresight. At Finmo, we empower CFOs to look beyond the numbers: to anticipate change, uncover opportunity, and scale their vision across markets with clarity and control” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1ef2a20218ef156c7ba4f977b77b5a048ee8e694-150x150.jpg&w=3840&q=100) David Hanna CEO and Co-founder, Finmo Team ## Our expert team Our executive team has over 100 years combined experience launching and leading globally recognised fintech, payments and compliance companies. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb41b46c245be4d5ca409a545d63a1233954bef-632x768.webp&w=3840&q=100) David HannaChief Executive Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffa65114acc049ad3e0b685aaf33de2e32101d32e-632x768.webp&w=3840&q=100) Richard OhChief Strategy Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc85d2bb936252c4608d9faa67738cc0c1268b9dc-1264x1536.webp&w=3840&q=100) Akhil NigamChief Product Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F733c8c8a4e71ab40840263dfa0c7d2d600154220-632x768.webp&w=3840&q=100) Raj Vimal ChopraChief Technology Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4f499d7e51cbcb85b26faa981684878729c92f04-632x768.webp&w=3840&q=100) Thomas KangChief Revenue Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b16b408c9f11b8c23b089dcc6bcfe3f3c3d8e4e-632x768.webp&w=3840&q=100) Jonathan LewChief Financial Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4319f20c73a038b2e4ada6a21f110ff86a85ee9a-632x768.webp&w=3840&q=100) Anthony YeohChief Compliance Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Febab0970f9c822bc943141df866403ec2456a1e4-1264x1536.webp&w=3840&q=100) Mansi ChopraChief Marketing Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9f5d4403adfbf41335fb3886a705e1d35f441b77-1264x1536.webp&w=3840&q=100) Holly FangChief Business Officer ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9c24cb1b02df8ff258e64f004e36cfcf519a487e-632x768.webp&w=3840&q=100) Joana Mikaela LiewChief Human Resources Officer ## Join Finmo Work with us to help shape the future of financial management for business. [Careers](https://www.finmo.net/hk/about/careers) Our Investors ## Backed by the best - ![Quona](https://cdn.sanity.io/images/3m8qrzh6/production/1743cad2b98f96692708c1ab5a7d97af777c8546-134x131.svg) ![Paypal Ventures](https://cdn.sanity.io/images/3m8qrzh6/production/1753aef959683cce4c625d64315147bebf19a310-201x131.svg) ![citi ventures](https://cdn.sanity.io/images/3m8qrzh6/production/e5b6a7d537b20211184847de48ee282bba4bf56e-191x131.svg) ![Insignia Ventures Partners](https://cdn.sanity.io/images/3m8qrzh6/production/b21e6d900e0b2f629d574c97aacdc314ecae04f3-148x131.svg) ![Soma Capital](https://cdn.sanity.io/images/3m8qrzh6/production/6e910f84cd1b2f2a1d401375fdf3333716101f6a-130x131.svg) ![GFC](https://cdn.sanity.io/images/3m8qrzh6/production/28aa9a2fd903df29ff7254809b7aeb39fcc1006e-94x131.svg) Finmo foresight [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0410ffabf74b5d7d4b2f3cc6ab4d4ee8ce707c63-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From spreadsheets to strategy: Why real-time cash visibility is the CFO’s new edge**\\ \\ Read more](https://www.finmo.net/resources/blog/real-time-cash-visibility-cfo-strategy-edge) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9da1b38d9c57ef4120534b922f2b467323dd25a1-3200x1800.webp&w=3840&q=100)\\ \\ - Thought Leadership\\ \\ **From payments to strategy: How modern treasury operations enables business agility**\\ \\ Read more](https://www.finmo.net/resources/blog/from-payments-to-strategy-modern-treasury) [![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa1337e0bfdc3c8adcb37053aa131202ec29b6bbc-3200x1800.webp&w=3840&q=100)\\ \\ - Compliance\\ \\ **Our compliance story: How finmo builds compliance into every transaction**\\ \\ Read more](https://www.finmo.net/resources/blog/our-compliance-story-how-finmo-builds-compliance-into-every-transaction) ## Contact us Please get in touch for more information about our product, to discuss partnerships, or to speak to our PR or marketing team. [Get in touch](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/about/about-us#) Reject AllAccept All ## Cash Flow Forecasting Cash forecasting # Take command of cash flow with automated forecasting Automate real-time cash flow projections across accounts and entities. Replace spreadsheets with a unified liquidity view and empower your leadership with data needed for smarter, faster decisions. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F18e9eed9793d4656e8ed3f39460ead19e1ed5d58-1200x1350.webp&w=3840&q=100) Consolidated Cash Flow ## Make data‑backed cash flow decisions Scale smoothly and make future calls with confidence on our cash forecasting software, featuring comprehensive up-to-the minute financial data across subsidiaries and entities. Customizable multi-entity cash flow views Define forecasting hierarchies by entity, subsidiary, currency, or account. Select exactly which wallets and bank accounts to include in your consolidated liquidity view. ![](https://cdn.sanity.io/images/3m8qrzh6/production/ae5e751f50532cf7298ef816d0e21de98b41bc41-547x310.svg) Granular cash flow projections by timeframe Forecast cash positions daily, weekly, monthly, or quarterly. Adjust scenarios to model best-case, worst-case, or custom liquidity assumptions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc6bb2cddef886bfd73282e47c0aa9d50b15eef69-1094x620.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb10f78372a8453aa50db8a67be46bf0f354e4b5b-1094x1312.webp&w=3840&q=100) Spreadsheet-free forecasting ## Excel, without Excel Stop struggling with spreadsheets. Finmo centralizes your financial data to give you a consolidated view of your cash flow in one place. Analyse your data with precision, create custom forecasts instantly, and free yourself from repetitive tasks for good. ![](https://cdn.sanity.io/images/3m8qrzh6/production/0c94d3e36ccfb55d1dbeb58e1324f8dc97275518-547x656.svg) Intelligent cash forecasting ## Financial foresight Maintain healthy cash flow. Proactively model, forecast and plan your future working capital position by dynamically analysing your historical payment patterns. Instantly spot potential surpluses or shortfalls with projection software and decisively optimize liquidity or mitigate FX risk. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4cfc79bb58535de340fb0f2498a78f3b2e27ead3-1094x1312.webp&w=3840&q=100) Scenario testing & switching ## Expect the unexpected Test what-if cases like delayed payments, unexpected expenses, or accelerated revenues, and instantly see their impact on your cash flow. Quickly toggle between multiple scenarios to compare outcomes side-by-side and make informed decisions faster. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0888504ca0537620e6a9d349d6d5e8244aa01191-1094x1312.webp&w=3840&q=100) Custom reporting ## Financial reporting, simplified. Generate presentation-ready cash flow reports using historical data, real-time forecasts, and scenario projections. Create custom liquidity and working capital reports to share with leadership, boards, and stakeholders ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8f4065a9983c09fad5b64d4b6a872ef1b7fee3fb-1094x1312.webp&w=3840&q=100) Audit-ready ## Keep every transaction at your fingertips Be audit-ready in an instant. All transactions are recorded in a single immutable ledger, to give you accurate and easily accessible financial records. ## Make payments smarter Collect in 40+ currencies and pay-out in 200+ countries – with instant FX. [Payments](https://www.finmo.net/product/payments) ## Try Finmo’s treasury dashboard today Sign up to explore our spreadsheet-free cash flow forecasting dashboard firsthand. Book a demo to talk to our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions How can I improve the accuracy of our cash flow forecast across entities? Improving cash forecast accuracy requires real-time visibility into bank balances, receivables, payables, and intercompany flows across all entities. Manual spreadsheet consolidation often leads to timing gaps and version-control errors. Finmo’s cash flow forecasting tool automatically consolidates transaction data and balances across subsidiaries, currencies, and accounts, enabling more accurate and continuously updated liquidity projections.​ How can we model different cash flow scenarios without rebuilding spreadsheets? Scenario planning typically involves duplicating spreadsheets and adjusting assumptions manually, which increases complexity and risk. Finmo allows finance teams to model best-case, worst-case, and custom liquidity scenarios within the forecasting tool itself, dynamically updating projections as live data changes. What should I look for in a modern cash flow forecasting tool? CFOs and finance leaders should prioritise: \- Real-time bank connectivity \- Multi-entity consolidation \- Scenario modelling \- Currency-level visibility \- Spreadsheet-free workflows Finmo combines [cash visibility](https://www.finmo.net/product/cash-visibility), forecasting, reporting, and [payments](https://www.finmo.net/product/payments) in one integrated TMS platform built for modern finance teams managing regional or global operations. How do I identify upcoming liquidity gaps before they become funding issues? Liquidity gaps often emerge from timing mismatches between receivables, payables, payroll, and cross-border obligations. Without forward-looking visibility across entities, these gaps are typically discovered too late, leading to short-term borrowing or inefficient capital allocation. Finmo’s cash flow forecasting tool surfaces projected shortfalls and surplus positions in real time across entities and currencies, enabling CFOs to proactively rebalance liquidity, optimise inter-company funding, and avoid unnecessary external financing. How do I align cash flow forecasting with working capital strategy? Cashflow Forecasting must be directly connected to transaction-level data to drive meaningful action. Finmo links real-time transaction data with forward-looking forecasts, enabling CFOs and finance leaders to optimise payment timing, manage collections, and make proactive funding decisions. You can also see future surpluses or shortfalls and plan funding, investments and FX hedging. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/cash-flow-forecasting#) Reject AllAccept All ## Startup Finance Simplified ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). For scaling startups # Always know what your money is up to One platform for real-time cash visibility, runway forecasting, and global payments, so every financial question has an answer before anyone has to ask. [Get started for free](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8997c6324711a56817d8488ebdc87e584bad6a4d-1644x1968.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F28cd20701ee6ff3ab0af74016c5966a8275072e7-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Faa3006b50c3a06a35abe0e7d6cac02b2170cf414-701x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F47e491f3ee1cb73ac277ea0567d003390c1d7eef-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1187cc197280391ee19fce27940815724b70f023-700x580.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbcae7ccaa579fbf5499a3ca8cd2a31e959ace5e7-220x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe61ff273fc643390023622633d140b3589af3a1e-176x220.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1bfb9d9a5188e7547d12d17438afbf52b4beaf03-240x220.png&w=3840&q=100) Startup finance made easy ## Built for busy startup founders and CFOs Finmo works for founders who are still doing it all, and for the finance lead who inherited the spreadsheets. For founders Know your numbers before investors ask See your real-time burn rate and runway forecast without opening a spreadsheet. Model scenarios before a hiring decision. Walk into every board meeting knowing your numbers cold. \- Know your runway, updated in real time \- Model scenarios before committing to a hire or expanding to a new market \- Export board-ready reports in minutes, not hours For finance leaders Lead with data, not reconciliation Connect every bank account, automate reconciliation, and close the month without the chaos. Finally be the finance function your startup needed from day one. \- All accounts, currencies, and entities in one dashboard \- Automated reconciliation synced with your accounting software \- Build board-ready reports without touching a formula One platform. Every financial function. ## Unify your financial ecosystem in one place Most startups run their finances across disconnected tools. Finmo replaces them with one connected platform that shows you exactly where your money is, where it's going, and how long it lasts, in real time, across every currency and entity. Connect your financial ecosystem Smash the silos Connect bank accounts, payment systems, accounting software, and ERPs for an always-on, automatically synced financial view, across every entity and currency. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff360b5142d4155d7c971ca048f4657627125d597-2188x1180.png&w=3840&q=100) Cash visibility See your global cash position instantly Get a consolidated view of balances, receivables, and transactions in one dashboard. Track cash in real time and forecast flow with complete clarity. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F097dd58a47a6ab4a7fe9b8035cd100c4f14d86a8-2188x1427.png&w=3840&q=100) Cash forecasting Plan 13 weeks ahead Generate rolling 13-week cash forecasts with scenario simulations. Model burn, revenue shifts, and FX impact before making critical decisions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3c7254c3ab66cae10feb811d0839e67063a08225-2204x1196.png&w=3840&q=100) Global payments, simplified Simplify global payments Collect in 30+ currencies, manage FX seamlessly, and pay out to 180+ countries from one unified platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1e6d530fc4df5774434af7156e81e27f6cf770ce-2184x1324.png&w=3840&q=100) Trusted by high-growth startups ## Hear from teams that stopped flying blind > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Regulated, certified, and built to last ## The security and compliance your startup needs Finmo is a fully licensed financial platform built to the same regulatory standards as the institutions it connects to, so you can move money globally with confidence, not crossed fingers. Read-only bank connections: We connect to your banks to read and display your data. Your funds never move without your explicit approval. Licensed across 8 jurisdictions: Regulated in Singapore, Australia, New Zealand, Canada, the US, the UK, Dubai and Hong Kong. ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. ## Get full visibility in minutes Connect your first bank in under 3 minutes and see your real-time cash position instantly. Free to start. No KYB required. [Get started free](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/get-started/startups#) Reject AllAccept All ## Finmo Terms of Service # Terms of Service Contents - [Finmo Terms & Conditions](https://www.finmo.net/terms-of-service#finmo-terms-conditions) - [1\. Introduction and Acceptance of Terms](https://www.finmo.net/terms-of-service#1-introduction-and-acceptance-of-terms) - [2\. Other Applicable Terms and Policies](https://www.finmo.net/terms-of-service#2-other-applicable-terms-and-policies) - [3\. Regulatory Disclosures - Licenses and Registrations](https://www.finmo.net/terms-of-service#3-regulatory-disclosures-licenses-and-registrations) - [4\. Access to the Website and Services](https://www.finmo.net/terms-of-service#4-access-to-the-website-and-services) - [5\. Website Content and Changes](https://www.finmo.net/terms-of-service#5-website-content-and-changes) - [6\. Privacy](https://www.finmo.net/terms-of-service#6-privacy) - [7\. Intellectual Property Rights](https://www.finmo.net/terms-of-service#7-intellectual-property-rights) - [8\. Security, Viruses and Misuse](https://www.finmo.net/terms-of-service#8-security-viruses-and-misuse) - [9\. Third Party Services, Partner Rails and Local Terms](https://www.finmo.net/terms-of-service#9-third-party-services-partner-rails-and-local-terms) - [10\. Acceptable Use Policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) - [11\. Transactions, Chargebacks & Disputes](https://www.finmo.net/terms-of-service#11-transactions-chargebacks-disputes) - [12\. Indemnification](https://www.finmo.net/terms-of-service#12-indemnification) - [13\. Limitation of Liability](https://www.finmo.net/terms-of-service#13-limitation-of-liability) - [14\. Changes to these Terms and Conditions](https://www.finmo.net/terms-of-service#14-changes-to-these-terms-and-conditions) - [15\. Complaints and Contact](https://www.finmo.net/terms-of-service#15-complaints-and-contact) - [16\. AML / CTF and Sanctions](https://www.finmo.net/terms-of-service#16-aml-ctf-and-sanctions) ## Finmo Terms & Conditions Please read these terms and conditions carefully before using the website. ## 1\. Introduction and Acceptance of Terms 1.1 These Terms & Conditions (T&C’s) govern access to and use of Finmo Tech Pte Ltd and its website [www.finmo.net](https://www.finmo.net/), including its affiliates’ websites (“Finmo”), dashboards, APIs, documentation and related services (the “Services”). 1.2 By accessing or using the Services , whether as a guest or a registered user you confirm that you accept and will comply with these T&C’s on behalf of the entity you represent ( “ Merchant “ or “ You”). Use of our website includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our website. By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our website. ## 2\. Other Applicable Terms and Policies 2.1 The following documents are incorporated into these T&C’s by reference and apply to your use of our website, dashboards, APIs and related services. We may update these documents from time to time as described in clause 2.3. - Finmo Privacy Policy - sets out how we collect, use, disclose and protect personal data at [https://finmo.net/privacy-policy](https://www.finmo.net/privacy-policy) - Prohibited Activities & Acceptable Use Policy - lists activities not permitted and those requiring pre-approval at [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) - Complaints Handling Policy – how to lodge a complaint and our resolution process at [https://finmo.net/complaints](https://www.finmo.net/complaints) - Fee Schedule - (if applicable outside an MSA) – current fees and charges at [https://finmo.net/pricing](https://www.finmo.net/pricing) - Data Processing Addendum (DPA) – governs our processing of personal data as processor/service provider; includes Sub-processors List - Regulatory Status & Disclosures – current licences/registrations and jurisdictional at [https://finmo.net/license-and-registrations](https://www.finmo.net/about/license-and-registrations) - Third-Party/Partner Terms – certain features are provided by regulated partners or vendors and may be subject to their terms . By using those features, you also agree to the applicable partner terms. 2.2 By using our website and services, you acknowledge these incorporated documents and where relevant, you consent to the processing of personal data in accordance with the Privacy Policy and you warrant that information and all data provided by you is accurate and up to date. 2.3 We may update the documents listed in clause 2.1. Material adverse changes will take effect 30 days after posting (or sooner if required by law, security or risk). Non-material or beneficial updates may take effect immediately. Continued use after the effective date constitutes acceptance of the update. ## 3\. Regulatory Disclosures - Licenses and Registrations 3.1 [www.finmo.net](https://www.finmo.net/) is a website operated by Finmo Tech Pte Ltd (“we / Finmo”) and provides access to our dashboards, portals, APIs/SDKs, documentation, integrations, and payments/treasury operating platform. Finmo operates globally under a combination of group licences and regulated partners. For the most current registrations, licence scopes, jurisdictions, and disclosures, see Country Specific Regulatory Status & Disclosures: [https://finmo.net/license-and-registrations](https://www.finmo.net/about/license-and-registrations) 3.2 The following are the jurisdictions where we are currently licensed. Note this is subject to amendment and this will be updated from time to time. ### Singapore Finmo Tech Pte. Ltd. (Finmo) holds a Major Payment Institution (MPI) Licence issued by the Monetary Authority of Singapore (MAS), which allows Finmo to provide e-money issuance services, account issuance services, merchant acquisition, cross border and domestic money transfer services. (Licence number: PS20200640) In accordance with the applicable laws and regulations (including PSN08), Finmo is required to provide the following disclosures with regards to Safeguarding: - Notice for Non-Singapore Residents: Finmo Tech Pte. Ltd. is licensed by the Monetary Authority of Singapore to provide e-money issuance services. Please note that this does not mean you will be able to recover all the money you paid to Finmo Tech Pte. Ltd. if Finmo Tech Pte. Ltd.’s business fails.” Hours of Business Operations: Our working hours in Singapore are from 9am SGT to 6pm SGT (Mon to Friday) excluding Public Holidays. ### Australia Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds an Australian Financial Services Licence (AFSL number: 535371). Finmo Tech is also a registered independent remittance business (AUSTRAC registration no: IND100723324-001) and a registered Digital Currency Exchange provider (AUSTRAC registration no: DCE100723324-001). ### New Zealand Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds a Financial Service Provider License (FSP No: FSP1003815) ### United States of America (USA) Finmo LLC is registered as a Money Service Business (MSB) with the Financial Crimes Enforcement Network (FinCEN) of the US Department of the Treasury. (MSB Registration Number: 31000248116829) ### United Kingdom (UK) Finmo UK Group Limited is a regulated Electronic Money Institution with the Financial Conduct Authority (FCA) (Company Number: 12519275) ### Hong Kong Finmo HK Limited is a limited liability company incorporated in Hong Kong with business registration number 77265186 and is applying for a Money Service Operator Licence. ### United Arab Emirates (UAE) Finmo (DIFC) Limited is a registered entity with the Dubai International Financial Centre (DIFC) with registration number 11455. Finmo (DIFC) Ltd is applying to be an Authorised Firm under the DFSA (Dubai Financial Services Authority). ### Poland FINMO POLAND SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ a registered company (KRS Number: 0001119721) applying for a Payment Institution Licence in Poland. ### Philippines Finmo Tech Philippines Inc a registered company (Corporation Number: 2025070207561-39) applying for a Operator of a Payment System Licence in the Philippines. ### Canada Finmo Tech Canada is a registered payment service provider with the Bank of Canada. ## 4\. Access to the Website and Services 4.1 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. 4.2 We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. 4.3 You are responsible for ensuring that all persons who access the Services through your credentials are aware of these T&Cs and comply with them. 4.4 Keep your user IDs and passwords confidential; notify info@finmo.net immediately of any suspected compromise. We may suspend or disable credentials to protect you or the platform. 4.5 If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at info@finmo.net. ## 5\. Website Content and Changes 5.1 The information contained in this website is for general information purposes only. We use reasonable efforts to keep the information published on our website up to date and correct, however we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. ## 6\. Privacy 6.1 Our objective is to collect, store and disclose personal data fairly , lawfully and securely. Any information you provide (including personal data) will be collected and processed by Finmo and by third parties engaged by Finmo to deliver, operate or support the Services in accordance with our Privacy Policy. 6.2 By using the Website or the Services, you acknowledge and agree that we may process your information for the purposes set out in the Privacy Policy (including providing the Services, operating our platform, complying with legal and regulatory obligations, fraud prevention and service improvement), and you warrant that all information you provide to us is accurate, complete and not misleading. ## 7\. Intellectual Property Rights 7.1 We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. 7.2 You may print or download extracts of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website. 7.3 You must not modify in any way the paper or digital copies of any materials you have printed off or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged. 7.4 You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors. 7.5 If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. ## 8\. Security, Viruses and Misuse 8.1 We do not guarantee that our website or any content on it will be secure or free from bugs, malware or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our website and should use your own virus protection software. 8.2 You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. 8.3 You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. 8.4 If you breach this clause, your right to use our website will cease immediately and we may take such actions as we consider appropriate, including reporting the breach to the relevant law enforcement or regulatory authorities and cooperating with those authorities by disclosing your identity to them. ## 9\. Third Party Services, Partner Rails and Local Terms ### 9.1 Partner rails and partner terms Some Services are provided by, through, or in connection with regulated partners or local service providers (each, a “Partner”). By enabling or using any feature, payment rail, payout method or jurisdiction that involves a Partner, you acknowledge and agree that: - the Partner’s terms, policies and agreements (the “Partner Terms”), as published or updated by the Partner from time to time, are incorporated by reference into these T&Cs; - you will comply with the Partner Terms in addition to these T&Cs; and - your access to those Partner enabled features is conditional on your ongoing compliance with the Partner Terms and on completing any onboarding , KYC/KYB, monitoring or other checks required by Finmo or the Partner. ### 9.2 Linking to our website - You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or imply endorsement. - You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. - You must not establish a link to our website in any website that is not owned by you. Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page. - We reserve the right to withdraw linking permission without notice. ### 9.3 Third-party sites, services and local terms Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources. **For merchants who wish to use our services in the United States, the terms and conditions of our local partner, Checkbook Inc., shall apply. By using such services, you will be deemed to have read, accepted and agreed to the terms and conditions mentioned here: [https://www.finmo.net/finmo-marketplace-agreement](https://www.finmo.net/finmo-marketplace-agreement)** ### 9.4 Cross-Entity Onboarding and Virtual Account Issuance - Cross-Entity Service Provision. The Merchant acknowledges and agrees that, where Finmo SG, Finmo AU, or Finmo NZ (each, a “Finmo Entity”) provides collection, payment, or Virtual Account Number services in support of another Finmo Entity’s clients, the Merchant shall be deemed to be concurrently onboarded with each relevant Finmo Entity for the sole purpose of enabling that Finmo Entity to perform the applicable regulated or operational activities. - Virtual Account Issuance. In such cases, the Merchant authorises the relevant Finmo Entity (Finmo SG, Finmo AU, or Finmo NZ, as applicable) to issue Virtual Account Numbers directly to the Merchant and to process corresponding collection and payout flows in accordance with the services requested by the Merchant. ## 10\. Acceptable Use Policy ### 10.1 General Use and Prohibited Activities 10.1.1 General Use By using the Website or any Finmo services, you agree to use them only for lawful, legitimate business purposes and in accordance with all laws and regulations applicable to you and to Finmo; - the licences and regulatory permissions under which Finmo operates ( [see Section 3 – Regulatory Disclosures](https://www.finmo.net/terms-of-service#3-regulatory-disclosures-licenses-and-registrations)); - applicable payment, banking, card network and scheme rules; and - these Terms & Conditions and any additional policies Finmo publishes from time to time. Any use of the platform outside these parameters constitutes a material breach of the terms and conditions. 10.1.2 Prohibited Activities - Fraud and Scam Prevention You expressly agree that you must not use the Services in any way that constitutes, facilitates or enables fraud, scams or illegal payment activity, including (without limitation): a. Fraudulent Transactions - Processing payments that you know or reasonably suspect to be fraudulent - Facilitating transactions where authorization was obtained through fraud, deception, or misrepresentation - Processing payments with forged, stolen, or unauthorized payment credentials - Engaging in any form of payment fraud, including card-not-present fraud, identity theft, or account takeover b. Scam Activities - Operating or facilitating advance fee scams, romance scams, or investment fraud schemes - Processing payments for pyramid schemes, Ponzi schemes, or other fraudulent investment opportunities - Facilitating phishing operations or social engineering attacks - Processing payments for fake goods, services, or non-existent products c. Unauthorized and Suspicious Activities - Processing transactions that were not originated from legitimate agreements between you and your customers - Continuing to process payments after becoming aware of suspicious or potentially fraudulent activity - Failing to implement reasonable fraud prevention measures in your business operations - Processing payments that violate anti-money laundering (AML) or know-your-customer (KYC) requirements 10.1.3 Prohibited and Restricted Lines of Business. You must not use the Services for activities listed in Finmo’s prohibited and restricted business list at [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) which includes (non-exhaustively): hate/violence content; illegal drugs or drug paraphernalia; sale of government IDs; stolen goods (including digital/virtual goods); bribery or corruption; infringing IP; high-risk/likely-fraud products; weapons, firearms and ammunition; and activities that violate any law. **Prohibited and Restricted Lines of Business** - You MUST NOT use the Services for activities listed in the [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy), which include but are not limited to the following activities: Are inappropriate content, goods or services that promote, cause or further Hate/Violence/Racism/Religious persecution - Drug paraphernalia - Drugs / Illicit substances, steroids and certain controlled substances or other products that present a risk to consumer safety - Encourage, promote, facilitate or instruct others to engage in illegal activity - Infringe any duly registered copyrights/trademarks or other violation of intellectual property rights; - Involve the sale of products or services identified by government agencies to have a high likelihood of being fraudulent - Involve offering or receiving payments for the purpose of bribery or corruption - Pyramid or Ponzi schemes. - Relate to the sale of dangerous or hazardous goods - Sale of government ID’s or documents - Stolen goods including digital and virtual goods - Transactions involving fraudulent / deceptive marketing practices - Violate any law, statute, ordinance or regulation - Weapons, firearms and ammunitions 10.1.4 Activities requiring approval. Certain activities (for example: airlines and future-delivery travel, charities/donations, debt/loan services, internet pharmacies, virtual currencies and exchanges, adult material, high-value goods, money transmission/escrow, financial instruments, gambling/gaming/sweepstakes) require Finmo’s prior written approval before you may process through the Services. Finmo may withhold or withdraw approval at any time. **Finmo requires pre-approval to accept payments for certain services as detailed below:** - Delivery of future services including airlines, travel agencies and hotel bookings and event ticketing - Collecting donations as a charity or non-profit organization - Any form debt and loan related businesses - Internet pharmacies (including referral sites) or prescription drugs/devices - Virtual currencies including but not limited to Bitcoin and Bitcoin exchanges - Adult material such as legal pornography sites and other adult materials - Dealing in jewels, precious metals and stones - Acting as a money transmitter or selling stored value cards; selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property or providing escrow services - Selling alcoholic beverages, e-cigarette devices and non-cigarette tobacco products - Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes, if the operator and customers are located exclusively in jurisdictions where such activities are permitted by law. We reserve the right to monitor, suspend or terminate use for the Acceptable use Policy breaches and to share information with competent authorities as required by law ### 10.2 Technical Security Requirements **You must not, and must not allow anyone else to:** - compromise or attempt to compromise the security, integrity or performance of the Services; - introduce malware, viruses, trojans or other harmful code; - attempt to gain unauthorised access to any Finmo system, account or data, or to other users’ data; - take any action that overloads, degrades or otherwise interferes with the proper operation of the Services; - violate any applicable cybersecurity, computer-misuse or anti-hacking laws. You are responsible for implementing and maintaining appropriate security controls on your own systems (including access controls, strong credentials, device and network security) and for safeguarding any API keys, passwords or tokens issued to you. Any use of your credentials will be deemed to be authorised by you unless you have notified Finmo of compromise. ### 10.3 Compliance, Monitoring and Cooperation 10.3.1 Finmo may monitor transactions and use of the Services to confirm compliance with this Acceptance User Policy , with scheme/banking rules, and with legal or regulatory requirements. 10.3.2 You must immediately notify Finmo of any actual or suspected fraudulent, unauthorised, suspicious or illegal activity relating to your use of the Services and must provide all information Finmo reasonably requests. 10.3.3 You must co-operate fully with Finmo, its banking/processing partners, card networks, law-enforcement and regulators in any investigation, including by providing transaction records, customer KYC and correspondence. 10.3.4 Finmo may share information (including your information and transaction data) with relevant banks, payment partners, card networks, regulators or law-enforcement authorities where this is required or reasonably desirable to manage fraud, financial crime, sanctions, risk or regulatory obligations. ### 10.4 Consequences of Violation 10.4.1 If Finmo reasonably suspects a breach of these Terms and Conditions or is required to act by a bank, scheme, payment partner or regulator, Finmo may take the following action with or without notice: - suspend or terminate your access to some or all Services. - delay, reverse or withhold payouts or other funds pending investigation. - return funds to the sender or rightful owner if instructed or if required by law or scheme rules. - debit or set off from your account or balances any invalid, fraudulent or unauthorised transactions and any associated fees, fines, penalties or costs. - report the activity to banks, payment partners, regulators or law-enforcement; and/or - permanently bar you from using the Services. - We may suspend or terminate access immediately for suspected fraud, security risk, legal/scheme requirements, or material breach. 10.4.2 You remain liable to Finmo for any losses, chargebacks, reversals, fines, penalties, assessments or scheme/bank charges arising from your breach of this Acceptable Use Policy, and Finmo may recover such amounts from you. 10.4.3. You may terminate at any time by ceasing use (and, if under an MSA, by following the MSA termination procedure). Post-termination obligations (including fees due, chargebacks, reserves, confidentiality, IP) survive. Nothing in this section limits Finmo’s other rights of suspension or termination under these T&Cs or any MSA. ### 10.5 Violations of the Acceptable Use Policy We encourage you to report violations of this Acceptable Use Policy to finmo.net immediately. If you have a question about whether a type of transaction may violate the Acceptable Use Policy, you can email us at info@finmo.net. ### 10.6 Infringement Reporting Policy It is our policy to take appropriate action where necessary to remove from our services or to disallow the use of our services in connection with material that is claimed to be infringing. If you are an intellectual property rights owner and you believe a website or a webpage using our services sells, offers for sale, makes available goods and/or services, or otherwise includes content or materials that infringe your intellectual property rights, then please contact us at info@finmo.net. ## 11\. Transactions, Chargebacks & Disputes 11.1 Transaction Disputes You acknowledge that any transaction processed through the Services may be disputed or reversed, and that a transaction funds reversal, chargeback, return or refund may result in part or all of the purchase amount being returned to the buyer, card network, bank or other financial institution requesting the reversal. 11.2 Your liabilityYou are fully liable for: - the disputed transaction; - the amount of any Transaction Funds Reversal, chargeback, return or Refund; and - all associated fees, fines, penalties, assessments or scheme/bank charges arising from that dispute. 11.3 Your obligations in a disputeYou agree to: - comply with all applicable card network, payment scheme and banking rules in relation to the dispute, chargeback or refund; - take all reasonable steps to resolve the dispute promptly, including providing receipts, proof of delivery or other evidence; - provide to Finmo, and authorise Finmo to provide, timely assistance, information and documents to any platform provider, card network, Finmo’s processor or any financial institution handling the dispute or reversal; and - issue timely refund instructions to Finmo where a refund is being sought. 11.4 Finmo’s rights to give effect to reversalsWhere payment industry or banking rules require a Transaction Funds Reversal, you irrevocably instruct and authorise Finmo, without further notice to you, to: - hold an amount in any Finmo-controlled account to cover the reversal; - restrict or delay your access to such funds; - debit the reversal amount and any associated fees, fines or penalties from such account (or, if applicable, to direct debit your nominated account); and - adjust your Finmo wallet/balance to reflect the reversal. 11.5 No Finmo liability; indemnityFinmo has no liability to you for any Transaction Funds Reversal, chargeback, return, Refund or related scheme/bank assessments, and Finmo’s actions in implementing such reversal will be deemed authorised by you. You agree to indemnify and hold Finmo harmless against all losses, costs, fees, fines, penalties and expenses that arise from or relate to any such dispute, reversal or Refund, or from Finmo acting in accordance with these T&Cs or the MSA in relation to that dispute. 11.6 Fraud and risk controlsYou must implement and maintain reasonable fraud-prevention and transaction-monitoring controls appropriate to your business, and you must cooperate fully with any Finmo investigation of suspicious, unauthorised or fraudulent activity. Finmo may delay, reject, reverse or block any transaction it considers potentially fraudulent, unauthorised, high-risk or non-compliant. 11.7 Chargebacks and representmentsYou remain liable for all chargebacks, reversals, scheme assessments and related fees. Where practicable, Finmo will make available such transaction data or feeds as Finmo receives from its processor or scheme partners to assist you with any representment, but Finmo does not guarantee that any representment will succeed. 11.8 Reserves, set-off and withholdingTo secure your obligations under this clause and under the MSA, Finmo may, where permitted: - withhold payouts - establish or increase a reserve - set off any amounts you owe (including reversals, chargebacks, fees, fines and penalties) against any funds Finmo holds for you; or - require pre-funding. Where there is any inconsistency with the MSA, the MSA terms on reserves, set-off and withholding will prevail. 11.9 EnforcementFinmo may take any legal action it considers necessary to enforce your indemnity or to recover amounts due to Finmo in connection with any Refund, chargeback or Transaction Funds Reversal. ## 12\. Indemnification 12.1 You agree to indemnify, defend and hold harmless Finmo, its affiliates and their respective directors, officers, employees and service providers from and against any and all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: - your breach of these Terms & Conditions or of any policy incorporated by reference (including the Acceptable Use Policy and any Partner Terms) - your use of the Services for any prohibited, unauthorised or illegal purpose - any transaction disputes, chargebacks, reversals or refunds relating to your customers, products or services - your breach of applicable laws, payment scheme or banking rules in any jurisdiction in which you operate; and - any claim by a third party arising from or relating to your content, your products/services, or your use of the Services. 12.2 If you have entered into a Merchant Services Agreement (MSA) or other written agreement with Finmo, the indemnification provisions in that agreement apply in addition to this clause 12, and will prevail for the Services covered by that agreement. 12.3 This indemnity is binding and enforceable to the fullest extent permitted by law in every jurisdiction in which Finmo operates or provides the Services. ## 13\. Limitation of Liability 13.1 You agree to indemnify, defend and hold harmless Finmo and its officers, employees, affiliates and service providers from and against any and all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms & Conditions; (b) your breach of the Acceptable Use Policy or use of the Services for any prohibited or unapproved purpose; (c) any transaction disputes, chargebacks, reversals or refunds that relate to your customers or your business; and (d) any violation of law, scheme or network rules by you or on your systems. 13.2 The website and any services or content made available through it are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Finmo disclaims all warranties, representations and conditions, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement. 13.3 To the fullest extent permitted by law, Finmo will not be liable to you for: - loss of profits, revenue, business, goodwill or anticipated savings - business interruption - loss or corruption of data; or - any indirect, consequential, punitive or special loss or damage,arising out of or in connection with your use of (or inability to use) the website or the Services. 13.4 Except for liabilities that cannot be limited or excluded by law, Finmo’s total aggregate liability to you arising out of or in connection with these T&Cs will be limited to the total amount of fees (if any) you have paid to Finmo for the relevant Service in the twelve (12) months immediately preceding the event giving rise to the claim. If you have not paid any fees in that period, Finmo’s liability will be limited to the minimum amount permitted by applicable law. 13.5 Nothing in these T&Cs excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded under applicable law. 13.6 Where you have entered into a Merchant Services Agreement (MSA) or other written services agreement with Finmo, the indemnities and liability provisions in that agreement apply in addition to this clause 12. If there is any inconsistency between these T&Cs and the MSA in relation to the Services covered by the MSA, the MSA will prevail. ## 14\. Changes to these Terms and Conditions 14.1 We may update these Terms & Conditions (“T&Cs”) from time to time. 14.2 We may provide notice of updates by any reasonable means, including posting the revised T&Cs in-product, displaying a banner or pop-up, emailing the account administrator, or publishing a changelog. 4.3 Unless stated otherwise in the notice, updates take effect when posted. Your continued access to or use of the Website or Services after the effective date constitutes acceptance of the updated T&Cs. 14.4 If you don’t agree. If you do not agree to an update, you should stop using the Website and Services before the update takes effect. Where you have an executed MSA, your termination or change rights (if any) are as set out in the MSA. ## 15\. Complaints and Contact ### 15.1 Complaints Handling Policy **a. Our policy** Finmo is committed to providing the highest level of care to all our customers. If you feel that our service has not met your expectations, then please tell us. Customer complaints are important to our organisation. They offer specific insights into how we might improve our services, processes and procedures. **b. What to do if you have a complaint?** Please contact us at compliance@finmo.net, detailing the nature of your complaint and providing all relevant information and your contact details. To ensure that your complaint is resolved as soon as possible, please outline any steps you would like us to take in addressing the issue. **c. Our complaints procedure** - Once a complaint has been received, we will acknowledge it and aim to resolve it as quickly as possible. The length of time will depend on the nature of the issues involved. Should a delay occur, we will contact you explaining the reason for the delay and outline the next steps. - If you have received an offer of remedial action or redress from us in response to a complaint you have submitted, and if you consider it to be acceptable, please let us know so that we can comply promptly with it. **d. If you are not satisfied with our response** If you are not satisfied with our final response, you might be entitled to refer it to the relevant local Ombudsman Service, but you must do this within six month of our final response. ### 15.2 Contact us To contact us in relation to these terms of use, please email info@finmo.net. ## 16\. AML / CTF and Sanctions 16.1 Regulatory compliance. Finmo is required to comply with applicable anti-money laundering, counter-terrorism financing, financial sanctions and related regulatory requirements in every jurisdiction in which it operates or targets customers. 16.2 Customer due diligence. You agree to provide Finmo, on request, with any information and documents that Finmo (or its banking/payment partners) considers necessary to verify your identity, your business, your authorised users, your source of funds, or your customers/beneficial owners. Finmo may withhold, delay or suspend the provision of Services until such information is received and verified. 16.3 Monitoring and reporting. You acknowledge and agree that Finmo may monitor transactions and account activity and may file reports or disclosures with the Monetary Authority of Singapore (MAS), AUSTRAC, or other competent authorities where Finmo is required to do so. Finmo is not permitted to notify you if such reports are made. 16.4 Risk-based controls. Finmo may at any time apply risk-based measures, including transaction limits, enhanced due diligence, delaying or rejecting transactions, or suspending or terminating your access to the Services, where Finmo reasonably considers this necessary to meet its legal or regulatory obligations. 16.5 Local regulatory status. Finmo entities hold or operate under the licences/registrations disclosed in [Section 3 (Regulatory Disclosures).](https://www.finmo.net/terms-of-service#3-regulatory-disclosures-licenses-and-registrations) Those licences do not relieve you of your own AML/CTF or sanctions obligations in the jurisdictions in which you operate. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/terms-of-service#) Reject AllAccept All ## Finmo Pricing Plans Finmo Pricing ## One platform. Flexible pricing. Full financial control. Choose the modules that matter most to your business today and expand as complexity grows. Finmo’s modular pricing ensures you only pay for what delivers value, while maintaining full visibility and control across accounts, entities, and markets. # Compare plans Compare plans Essential For startups and growing companies who want to simplify finances Free [Get started](https://dashboard.finmo.net/signup) Enterprise For global enterprises who need full customization Custom [Talk to our team](https://www.finmo.net/contact-us) Cash management Accounts Receivable Management Automated Invoicing Create and send invoices to customers automatically Recurring Invoicing & Auto-Pay Support full subscription billing and auto-pay flows. Payment Tracking Monitor customer payments and identify overdue accounts Customer Communication Send payment reminders and statements to customers Cash Application Automate matching payments to invoices for a clear view of cash Reporting and Analytics Generate reports on receivables aging, payment statuses, and other key metrics. Early Payment Discounts Auto-applies early pay discounts when available – ensure incentives aren't missed. AI-Driven Collections Smart workflows for escalations, follow-ups, and past-due prioritization. Connected Finance Connects with accounting software and other business systems. To be advised Accounts Payable Management Intelligent Invoice Capture Real-time, AI-powered OCR that extracts key data from invoices Multi-payment Methods Pay vendors through various methods, including ACH transfers, cards, wire transfers, etc. Invoice Coding AI auto-coding that predicts and learns from GL history. Customizable Approval Workflow Flexible routing by vendor, amount, department, or code. Purchase Order (PO) Matching Automatically matches invoices against corresponding purchase orders Fraud Monitoring Real-time detection for duplicates and suspicious activity. Connected Finance Connects with accounting software and other business systems. To be advised Invest Endowus\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Syfe\*\* Put Your Idle Cash to Work. Earn additional yield on your excess cash. High-Yield, Multi-Currency Returns with Full Flexibility and No Lock-Ins Analytics and Value-Added Features Balance Live balances & transactions from your bank accounts, & gives you a single, up-to-date view of your true cash position Intelligent Upload - Included
Direct API - To be advised Cash Flow Forecasting Generate cash flow forecasts for up to 6 months with predictive modeling. Take control of your liquidity management decisions. 13-week rolling week forecasts Multi-entity Management Real-time performance insights across all your business units. Perform transactions across multiple entities from a single location. Unified Integration Bank Connectivity Gain complete visibility into cash positions across all accounts by securely connecting your bank accounts Intelligent Upload - Included Direct API - To be advised Accounting Software Connectivity Sync payments and automate the posting of journal entries to your general ledger. Accelerate your reconciliation processes. Intelligent Upload - Included Direct API - To be advised Excel The most common tool used by SMEs and MMEs finance teams. Send data to Cash and FX Management Modules. ERP Connectivity Aggregate cash data from your ERP systems for a single view of your cash flow. Generate industry data feeds such as VCF, CDF, MT940, and MT942. Intelligent Upload - Included Direct API - To be advised MO AI Conversation AI Interface Ask natural language questions across cash, payments, FX, and compliance — no training needed. Proprietary Treasury Intelligence Trained on Finmo's unique finance datasets, entity structures, payment flows, and risk patterns for an unmatched financial context. Real-Time Operational Actions Not just insights. MO can trigger payments, generate reports, or set hedging actions directly from chat. Multilingual Support Serve global teams with intelligent support in English, Bahasa, Thai, and more, ensuring relevance across markets. Payments fees ## Payments fees 
(usage‑based) The following fees apply when using Finmo’s payments and money
movement capabilities. These are usage-based and sit outside the
subscription plans above. ### Global Currency Account (GCA) Account Creation Free SWIFT (SHA)\[1\] $25 Prefunding Fee (Top-Up) $0 For USD, AUD, EUR, GBP, SGD Any GCA top up in the above currencies in customer gca wallet or master wallet (event: gca topup) will be charged $0 Whitelisting rule will not be applicable for GCA topup i.e. no matter the sender, we will not charge for the topup FX Rate \[2\] United States Dollar (USD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), Australian Dollar (AUD), New Zealand Dollar (NZD), Canadian Dollar (CAD), Swiss Franc (CHF), Norwegian Krone (NOK), and Swedish Krona (SEK), Singapore Dollar (SGD) 0.50% Other Currencies 1.00% Cross-Border Convenience Fee 0.10% For a like-for-like currency cross-border transfer. This is in addition to the SWIFT (SHA) feei.e., AUD-AUD SWIFT payments \[1\] SHA: Both the client (sender) and beneficiary will pay fees to the sending bank. The beneficiary will receive the amount transferred, less the intermediary banks' fees. \[2\] The customer's mark-up/margin will be included as the FX exchange rate used to convert one currency into another. If any currency is not listed, it will be treated as an "other currency" ### Payment Method Fees Cards - Visa, Mastercard (Blended) Domestic 2.6% + $0.30 Per successful transaction International 3.4% + $0.30 Per successful transaction Local Bank Transfer SG: PayNow, FAST, MEPS 0.20% + $0.30 Per successful transaction ID 0.50% + $0.30 Per successful transaction MY: FPX 0.20% + $0.30 Per successful transaction PH 0.50% + $0.30 Per successful transaction TH: Prompt Pay 0.50% + $0.30 Per successful transaction VN 0.50% + $0.30 Per successful transaction AU: PayID 0.20% + $0.30 Per successful transaction NZ: Poli 1.50% + $0.30 Per successful transaction US: ACH, RTP, FEDNOW 0.50% + $0.30 Per successful transaction EU: SEPA 0.50% + $0.30 Per successful transaction Local Digital Wallet ID: GoPay, OVO, LinkAja, ShopeePay, DANA 2.6% + $0.30 Per successful transaction MY\[1\]: Shopeepay, Grabpay, WeChatPay (only MY entities), Touch N Go 2.6% + $0.30 Per successful transaction PH: GCash, Maya, Maya bill pay, Coins.ph, Shopee Pay, Grabpay 2.6% + $0.30 Per successful transaction TH\[2\]: Rabbit Line Pay, True Money 2.6% + $0.30 Per successful transaction VN: Zalopay, Appotapay, VNPT Money, Viettelpay, Shopeepay 2.6% + $0.30 Per successful transaction \[1\] Payout in MYR only to Malaysian entities \[2\] Payin ONLY ### Other Fees Settlement Fee 0.50% Per conversion of a transaction currency into
the settlement currency Refund\[1\] $0.30 + any network charge Per refund request Chargeback\[1\] $20 + any network charge Per chargeback request Bank Account Validation $1.00 Per successful verification API Integration Set Up Fee Varies Early Termination Fee Varies \[1\] Excludes any additional fees or charges imposed by Finmo’s Network Partners. Such charges will be passed on to you by Finmo. sajnxas - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO - ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO ![nXISUHO](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4995020af75974e96de246e015b951a7a57e0b35-575x166.png&w=3840&q=100) nXISUHO \*Finmo Tech Pte Ltd (“Finmo”) has a referral arrangement with Endowus Singapore Pte. Ltd (“Endowus”) and under this arrangement, Finmo acts as an introducer to Endowus. Endowus is regulated as a capital markets services licence holder and exempt financial advisor by the Monetary Authority of Singapore. Finmo is the referral party under this arrangement and in return for this referral, Finmo receives a referral fee from Endowus out of or based on the revenues Endowus generates within an agreed period as a result of any successful referral, which Finmo may disclose if so requested. Please note that Finmo does not and will not perform any regulated activities on behalf of Endowus other than to the extent of carrying out the introducing activities. This means that Finmo will not give advice or provide recommendations on any Endowus services. Further, the referral is carried out on a refer and step away basis, meaning that Finmo will play no further material role in intermediating any relationship between Endowus and me/us moving forward. If you have any questions about Endowus’ services, please contact Endowus Singapore Pte. Ltd. directly. The information made available to you on this website is for general information only and does not constitute a recommendation, an offer to sell, or a solicitation to invest in the products mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. The information is subject to change at any time without notice. You may also wish to seek financial advice through a financial advisor or the Endowus platform and independent legal, accounting, regulatory or tax advice, as appropriate. Investments involve risk. Past performance is not an indicator nor a guarantee for future performance. Projected performance are indicative, is not guaranteed and subject to change at any time. It is not a bank deposit and not capital guaranteed, and is subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Accordingly, you should read the relevant offering documents for disclosures of key features, key risks and other important information of the relevant products. You should assess whether the relevant product is suitable for you before proceeding to invest. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss or consequences arising whether directly or indirectly as a result of your acting based on the information on this webpage. This webpage and information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject Endowus to any registration or licensing requirement in such jurisdiction or country. \*\*Finmo acts an introducer to licensed financial advisors, including Syfe Pte. Ltd. ("Syfe"). In return for introducing clients to them, Finmo receives a revenue share. Syfe is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore ("SFA") and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services. Please note that we don't take into account your business's objectives, circumstances or financial needs. Any advice given by us is of a general nature & informational only and is not personal financial product advice (meaning it does not take into account your objectives, financial situation or needs). Before acting on any information, you should consider the appropriateness of the information provided and the nature of the relevant financial product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant product disclosure statement or other offer document prior to making an investment decision in relation to a financial product (including a decision about whether to acquire or continue to hold). As investments provided by our partners carry risk, before making any investment decision, please consider if it's right for you and seek appropriate taxation and legal advice. All financial products involve risk and you should ensure you understand the risks involved as certain financial products may not be suitable to everyone. Past performance of any product described on this website is not a reliable indication of future performance. ## Try Finmo today Sign up and start exploring our dashboard today, or book a demo to talk things through with our team. [Get Started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/pricingt#) Reject AllAccept All ## Working Capital Solutions Working capital optimisation # Put capital to work Drive future value creation and improve liquidity, optimise currency conversions, automate FX hedging, and explore idle cash investment solutions with Finmo’s working capital management platform. Connect accounts, forecast cash flow and deploy capital intelligently with data-driven working capital management tools. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdb2c82c7e64519fcadb4e751c596f1892b94b8a1-1200x1350.webp&w=3840&q=100) ## Manage FX risk and Protect Working Capital Currency volatility can erode margins and distort cash flow forecasts. Finmo helps finance teams manage FX risk while protecting working capital and improving liquidity management. Institutional FX pricing Competitive FX rates Reduce your FX conversion costs with fully transparent and competitive interbank rates from the world’s best liquidity providers. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6c6b2edc1ed1ac29ccdee1813cf67e0183ff044d-547x360.svg) Custom hedging From FX risk, to rewards Protect future cashflow from currency movements with custom hedging strategies that fit your business needs. Set your risk appetite, choose hedge timings, and let our working capital management tool do the rest. ![](https://cdn.sanity.io/images/3m8qrzh6/production/734b5444ffaea927f27cb98be2fe907efe30e3a4-547x360.svg) Data-backed FX conversion Smarter conversions Use our analytical engine to identify FX savings by tracking historical performance and trends and intelligently batch payments and conversions to reduce costs. ![](https://cdn.sanity.io/images/3m8qrzh6/production/8dfbe0bae7d990bdaea44e421b9ffa923bc97879-547x360.svg) ## Invest for the future ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F12b78f68c14b927ba5454543fa4df3381053c8ab-1094x1312.webp&w=3840&q=100) Working capital deployment ## Put Idle Cash to Work Improve working capital efficiency by deploying excess liquidity into low-risk money market funds across major currencies. Finmo helps finance teams generate returns on idle cash while maintaining full liquidity and control. [Invest](https://www.finmo.net/product/working-capital-optimisation/yield) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fcedb45bdc04c2c3b8b82ababf51d0afe82826fc6-1094x1312.webp&w=3840&q=100) Easy access ## Flexible funds Our partners offer a range of smart idle cash investment solutions with ~4+% in projected returns. All with unlimited transfers and withdrawals within 2-4 business days. [Invest](https://www.finmo.net/product/working-capital-optimisation/yield) ## Try Finmo today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get Started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions about working capital optimization How can CFOs optimise working capital across global operations or multiple markets? CFOs optimise working capital across global operations by improving visibility into cash positions across entities, identifying trapped liquidity, and reallocating surplus funds where they are most needed. This requires consolidating bank accounts, currencies, and payment flows into a single view. New-age treasury platforms like Finmo help finance teams unlock trapped liquidity, optimise FX conversions, and redeploy excess funds efficiently across markets. What are the best strategies to improve working capital efficiency? 1\. Accelerate receivables to reduce days sales outstanding (DSO) and improve cash inflows. 2\. Optimise payment timing to balance supplier relationships while preserving liquidity. 3\. Reduce FX conversion costs by managing currency exposure and conversion timing. 4\. Unlock trapped liquidity across subsidiaries, accounts and currencies. 5\. Improve real-time cash visibility to understand global liquidity positions. 6\. Use forecasting to identify surplus funds that can be deployed more efficiently. Platforms like Finmo turn fragmented financial data into actionable financial intelligence, enabling finance teams to consolidate cash positions, execute payments and deploy excess liquidity from a [single dashboard](https://www.finmo.net/product/connected-financial-dashboard). How do CFOs reduce idle cash without increasing liquidity risk? CFOs reduce idle [cash by forecasting](https://www.finmo.net/product/cash-flow-forecasting) short-term liquidity needs accurately and allocating surplus balances to low-risk instruments while preserving quick access to funds. Instead of leaving excess capital dormant in operating accounts, finance teams increasingly deploy liquidity into mid-market funds or money market instruments. Solutions like Finmo help identify idle balances across entities and enable controlled deployment without compromising liquidity. How should companies deploy excess cash efficiently? Companies deploy excess cash by first identifying surplus liquidity beyond operational buffers and allocating it into short-duration instruments such as mid-market or money market funds. Many finance teams also hedge FX exposure before deploying capital across currencies to protect returns. Platforms like Finmo help finance teams identify excess liquidity, manage currency exposure and deploy funds strategically while maintaining full treasury visibility. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/working-capital-optimisation#) Reject AllAccept All ## Finmo Terms of Service # Terms of Service Contents - [Finmo Terms & Conditions](https://www.finmo.net/hk/terms-of-service#finmo-terms-conditions) - [1\. Introduction and Acceptance of Terms](https://www.finmo.net/hk/terms-of-service#1-introduction-and-acceptance-of-terms) - [2\. Other Applicable Terms and Policies](https://www.finmo.net/hk/terms-of-service#2-other-applicable-terms-and-policies) - [3\. Regulatory Disclosures - Licenses and Registrations](https://www.finmo.net/hk/terms-of-service#3-regulatory-disclosures-licenses-and-registrations) - [4\. Access to the Website and Services](https://www.finmo.net/hk/terms-of-service#4-access-to-the-website-and-services) - [5\. Website Content and Changes](https://www.finmo.net/hk/terms-of-service#5-website-content-and-changes) - [6\. Privacy](https://www.finmo.net/hk/terms-of-service#6-privacy) - [7\. Intellectual Property Rights](https://www.finmo.net/hk/terms-of-service#7-intellectual-property-rights) - [8\. Security, Viruses and Misuse](https://www.finmo.net/hk/terms-of-service#8-security-viruses-and-misuse) - [9\. Third Party Services, Partner Rails and Local Terms](https://www.finmo.net/hk/terms-of-service#9-third-party-services-partner-rails-and-local-terms) - [10\. Acceptable Use Policy](https://www.finmo.net/hk/terms-of-service#10-acceptable-use-policy) - [11\. Transactions, Chargebacks & Disputes](https://www.finmo.net/hk/terms-of-service#11-transactions-chargebacks-disputes) - [12\. Indemnification](https://www.finmo.net/hk/terms-of-service#12-indemnification) - [13\. Limitation of Liability](https://www.finmo.net/hk/terms-of-service#13-limitation-of-liability) - [14\. Changes to these Terms and Conditions](https://www.finmo.net/hk/terms-of-service#14-changes-to-these-terms-and-conditions) - [15\. Complaints and Contact](https://www.finmo.net/hk/terms-of-service#15-complaints-and-contact) - [16\. AML / CTF and Sanctions](https://www.finmo.net/hk/terms-of-service#16-aml-ctf-and-sanctions) ## Finmo Terms & Conditions Please read these terms and conditions carefully before using the website. ## 1\. Introduction and Acceptance of Terms 1.1 These Terms & Conditions (T&C’s) govern access to and use of Finmo Tech Pte Ltd and its website [www.finmo.net](https://www.finmo.net/), including its affiliates’ websites (“Finmo”), dashboards, APIs, documentation and related services (the “Services”). 1.2 By accessing or using the Services , whether as a guest or a registered user you confirm that you accept and will comply with these T&C’s on behalf of the entity you represent ( “ Merchant “ or “ You”). Use of our website includes accessing, browsing, or registering to use our site. Please read these terms of use carefully before you start to use our website. By using our website, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our website. ## 2\. Other Applicable Terms and Policies 2.1 The following documents are incorporated into these T&C’s by reference and apply to your use of our website, dashboards, APIs and related services. We may update these documents from time to time as described in clause 2.3. - Finmo Privacy Policy - sets out how we collect, use, disclose and protect personal data at [https://finmo.net/privacy-policy](https://www.finmo.net/privacy-policy) - Prohibited Activities & Acceptable Use Policy - lists activities not permitted and those requiring pre-approval at [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) - Complaints Handling Policy – how to lodge a complaint and our resolution process at [https://finmo.net/complaints](https://www.finmo.net/complaints) - Fee Schedule - (if applicable outside an MSA) – current fees and charges at [https://finmo.net/pricing](https://www.finmo.net/pricing) - Data Processing Addendum (DPA) – governs our processing of personal data as processor/service provider; includes Sub-processors List - Regulatory Status & Disclosures – current licences/registrations and jurisdictional at [https://finmo.net/license-and-registrations](https://www.finmo.net/about/license-and-registrations) - Third-Party/Partner Terms – certain features are provided by regulated partners or vendors and may be subject to their terms . By using those features, you also agree to the applicable partner terms. 2.2 By using our website and services, you acknowledge these incorporated documents and where relevant, you consent to the processing of personal data in accordance with the Privacy Policy and you warrant that information and all data provided by you is accurate and up to date. 2.3 We may update the documents listed in clause 2.1. Material adverse changes will take effect 30 days after posting (or sooner if required by law, security or risk). Non-material or beneficial updates may take effect immediately. Continued use after the effective date constitutes acceptance of the update. ## 3\. Regulatory Disclosures - Licenses and Registrations 3.1 [www.finmo.net](https://www.finmo.net/) is a website operated by Finmo Tech Pte Ltd (“we / Finmo”) and provides access to our dashboards, portals, APIs/SDKs, documentation, integrations, and payments/treasury operating platform. Finmo operates globally under a combination of group licences and regulated partners. For the most current registrations, licence scopes, jurisdictions, and disclosures, see Country Specific Regulatory Status & Disclosures: [https://finmo.net/license-and-registrations](https://www.finmo.net/about/license-and-registrations) 3.2 The following are the jurisdictions where we are currently licensed. Note this is subject to amendment and this will be updated from time to time. ### Singapore Finmo Tech Pte. Ltd. (Finmo) holds a Major Payment Institution (MPI) Licence issued by the Monetary Authority of Singapore (MAS), which allows Finmo to provide e-money issuance services, account issuance services, merchant acquisition, cross border and domestic money transfer services. (Licence number: PS20200640) In accordance with the applicable laws and regulations (including PSN08), Finmo is required to provide the following disclosures with regards to Safeguarding: - Notice for Non-Singapore Residents: Finmo Tech Pte. Ltd. is licensed by the Monetary Authority of Singapore to provide e-money issuance services. Please note that this does not mean you will be able to recover all the money you paid to Finmo Tech Pte. Ltd. if Finmo Tech Pte. Ltd.’s business fails.” Hours of Business Operations: Our working hours in Singapore are from 9am SGT to 6pm SGT (Mon to Friday) excluding Public Holidays. ### Australia Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds an Australian Financial Services Licence (AFSL number: 535371). Finmo Tech is also a registered independent remittance business (AUSTRAC registration no: IND100723324-001) and a registered Digital Currency Exchange provider (AUSTRAC registration no: DCE100723324-001). ### New Zealand Paynow Technology Pty Ltd trading as Finmo Tech (ABN: 66 642 442 215) holds a Financial Service Provider License (FSP No: FSP1003815) ### United States of America (USA) Finmo LLC is registered as a Money Service Business (MSB) with the Financial Crimes Enforcement Network (FinCEN) of the US Department of the Treasury. (MSB Registration Number: 31000248116829) ### United Kingdom (UK) Finmo UK Group Limited is a regulated Electronic Money Institution with the Financial Conduct Authority (FCA) (Company Number: 12519275) ### Hong Kong Finmo HK Limited is a limited liability company incorporated in Hong Kong with business registration number 77265186 and is applying for a Money Service Operator Licence. ### United Arab Emirates (UAE) Finmo (DIFC) Limited is a registered entity with the Dubai International Financial Centre (DIFC) with registration number 11455. Finmo (DIFC) Ltd is applying to be an Authorised Firm under the DFSA (Dubai Financial Services Authority). ### Poland FINMO POLAND SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ a registered company (KRS Number: 0001119721) applying for a Payment Institution Licence in Poland. ### Philippines Finmo Tech Philippines Inc a registered company (Corporation Number: 2025070207561-39) applying for a Operator of a Payment System Licence in the Philippines. ### Canada Finmo Tech Canada is a registered payment service provider with the Bank of Canada. ## 4\. Access to the Website and Services 4.1 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. 4.2 We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these terms of use. 4.3 You are responsible for ensuring that all persons who access the Services through your credentials are aware of these T&Cs and comply with them. 4.4 Keep your user IDs and passwords confidential; notify info@finmo.net immediately of any suspected compromise. We may suspend or disable credentials to protect you or the platform. 4.5 If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at info@finmo.net. ## 5\. Website Content and Changes 5.1 The information contained in this website is for general information purposes only. We use reasonable efforts to keep the information published on our website up to date and correct, however we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk. ## 6\. Privacy 6.1 Our objective is to collect, store and disclose personal data fairly , lawfully and securely. Any information you provide (including personal data) will be collected and processed by Finmo and by third parties engaged by Finmo to deliver, operate or support the Services in accordance with our Privacy Policy. 6.2 By using the Website or the Services, you acknowledge and agree that we may process your information for the purposes set out in the Privacy Policy (including providing the Services, operating our platform, complying with legal and regulatory obligations, fraud prevention and service improvement), and you warrant that all information you provide to us is accurate, complete and not misleading. ## 7\. Intellectual Property Rights 7.1 We are the owner or the licensee of all intellectual property rights in our website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved. 7.2 You may print or download extracts of any page(s) from our website for your personal use and you may draw the attention of others within your organisation to content posted on our website. 7.3 You must not modify in any way the paper or digital copies of any materials you have printed off or downloaded, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.Our status (and that of any identified contributors) as the authors of content on our website must always be acknowledged. 7.4 You must not use any part of the content on our website for commercial purposes without obtaining a licence to do so from us or our licensors. 7.5 If you print off, copy or download any part of our website in breach of these terms of use, your right to use our website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. ## 8\. Security, Viruses and Misuse 8.1 We do not guarantee that our website or any content on it will be secure or free from bugs, malware or viruses. You are responsible for configuring your information technology, computer programmes and platform to access our website and should use your own virus protection software. 8.2 You must not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our website, the server on which our website is stored or any server, computer or database connected to our website. 8.3 You must not attack our website via a denial-of-service attack or a distributed denial-of-service attack. 8.4 If you breach this clause, your right to use our website will cease immediately and we may take such actions as we consider appropriate, including reporting the breach to the relevant law enforcement or regulatory authorities and cooperating with those authorities by disclosing your identity to them. ## 9\. Third Party Services, Partner Rails and Local Terms ### 9.1 Partner rails and partner terms Some Services are provided by, through, or in connection with regulated partners or local service providers (each, a “Partner”). By enabling or using any feature, payment rail, payout method or jurisdiction that involves a Partner, you acknowledge and agree that: - the Partner’s terms, policies and agreements (the “Partner Terms”), as published or updated by the Partner from time to time, are incorporated by reference into these T&Cs; - you will comply with the Partner Terms in addition to these T&Cs; and - your access to those Partner enabled features is conditional on your ongoing compliance with the Partner Terms and on completing any onboarding , KYC/KYB, monitoring or other checks required by Finmo or the Partner. ### 9.2 Linking to our website - You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or imply endorsement. - You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists. - You must not establish a link to our website in any website that is not owned by you. Our website must not be framed on any other website, nor may you create a link to any part of our website other than the home page. - We reserve the right to withdraw linking permission without notice. ### 9.3 Third-party sites, services and local terms Where our website contains links to other websites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those websites or resources. **For merchants who wish to use our services in the United States, the terms and conditions of our local partner, Checkbook Inc., shall apply. By using such services, you will be deemed to have read, accepted and agreed to the terms and conditions mentioned here: [https://www.finmo.net/finmo-marketplace-agreement](https://www.finmo.net/finmo-marketplace-agreement)** ### 9.4 Cross-Entity Onboarding and Virtual Account Issuance - Cross-Entity Service Provision. The Merchant acknowledges and agrees that, where Finmo SG, Finmo AU, or Finmo NZ (each, a “Finmo Entity”) provides collection, payment, or Virtual Account Number services in support of another Finmo Entity’s clients, the Merchant shall be deemed to be concurrently onboarded with each relevant Finmo Entity for the sole purpose of enabling that Finmo Entity to perform the applicable regulated or operational activities. - Virtual Account Issuance. In such cases, the Merchant authorises the relevant Finmo Entity (Finmo SG, Finmo AU, or Finmo NZ, as applicable) to issue Virtual Account Numbers directly to the Merchant and to process corresponding collection and payout flows in accordance with the services requested by the Merchant. ## 10\. Acceptable Use Policy ### 10.1 General Use and Prohibited Activities 10.1.1 General Use By using the Website or any Finmo services, you agree to use them only for lawful, legitimate business purposes and in accordance with all laws and regulations applicable to you and to Finmo; - the licences and regulatory permissions under which Finmo operates (see Section 3 – Regulatory Disclosures); - applicable payment, banking, card network and scheme rules; and - these Terms & Conditions and any additional policies Finmo publishes from time to time. Any use of the platform outside these parameters constitutes a material breach of the terms and conditions. 10.1.2 Prohibited Activities - Fraud and Scam Prevention You expressly agree that you must not use the Services in any way that constitutes, facilitates or enables fraud, scams or illegal payment activity, including (without limitation): a. Fraudulent Transactions - Processing payments that you know or reasonably suspect to be fraudulent - Facilitating transactions where authorization was obtained through fraud, deception, or misrepresentation - Processing payments with forged, stolen, or unauthorized payment credentials - Engaging in any form of payment fraud, including card-not-present fraud, identity theft, or account takeover b. Scam Activities - Operating or facilitating advance fee scams, romance scams, or investment fraud schemes - Processing payments for pyramid schemes, Ponzi schemes, or other fraudulent investment opportunities - Facilitating phishing operations or social engineering attacks - Processing payments for fake goods, services, or non-existent products c. Unauthorized and Suspicious Activities - Processing transactions that were not originated from legitimate agreements between you and your customers - Continuing to process payments after becoming aware of suspicious or potentially fraudulent activity - Failing to implement reasonable fraud prevention measures in your business operations - Processing payments that violate anti-money laundering (AML) or know-your-customer (KYC) requirements 10.1.3 Prohibited and Restricted Lines of Business. You must not use the Services for activities listed in Finmo’s prohibited and restricted business list at [https://www.finmo.net/terms-of-service#10-acceptable-use-policy](https://www.finmo.net/terms-of-service#10-acceptable-use-policy) which includes (non-exhaustively): hate/violence content; illegal drugs or drug paraphernalia; sale of government IDs; stolen goods (including digital/virtual goods); bribery or corruption; infringing IP; high-risk/likely-fraud products; weapons, firearms and ammunition; and activities that violate any law. **Prohibited and Restricted Lines of Business** - You MUST NOT use the Services for activities listed in the (\[URL\]), which include but are not limited to the following activities: Are inappropriate content, goods or services that promote, cause or further Hate/Violence/Racism/Religious persecution - Drug paraphernalia - Drugs / Illicit substances, steroids and certain controlled substances or other products that present a risk to consumer safety - Encourage, promote, facilitate or instruct others to engage in illegal activity - Infringe any duly registered copyrights/trademarks or other violation of intellectual property rights; - Involve the sale of products or services identified by government agencies to have a high likelihood of being fraudulent - Involve offering or receiving payments for the purpose of bribery or corruption - Pyramid or Ponzi schemes. - Relate to the sale of dangerous or hazardous goods - Sale of government ID’s or documents - Stolen goods including digital and virtual goods - Transactions involving fraudulent / deceptive marketing practices - Violate any law, statute, ordinance or regulation - Weapons, firearms and ammunitions 10.1.4 Activities requiring approval. Certain activities (for example: airlines and future-delivery travel, charities/donations, debt/loan services, internet pharmacies, virtual currencies and exchanges, adult material, high-value goods, money transmission/escrow, financial instruments, gambling/gaming/sweepstakes) require Finmo’s prior written approval before you may process through the Services. Finmo may withhold or withdraw approval at any time. **Finmo requires pre-approval to accept payments for certain services as detailed below:** - Delivery of future services including airlines, travel agencies and hotel bookings and event ticketing - Collecting donations as a charity or non-profit organization - Any form debt and loan related businesses - Internet pharmacies (including referral sites) or prescription drugs/devices - Virtual currencies including but not limited to Bitcoin and Bitcoin exchanges - Adult material such as legal pornography sites and other adult materials - Dealing in jewels, precious metals and stones - Acting as a money transmitter or selling stored value cards; selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property or providing escrow services - Selling alcoholic beverages, e-cigarette devices and non-cigarette tobacco products - Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes, if the operator and customers are located exclusively in jurisdictions where such activities are permitted by law. We reserve the right to monitor, suspend or terminate use for the Acceptable use Policy breaches and to share information with competent authorities as required by law ### 10.2 Technical Security Requirements **You must not, and must not allow anyone else to:** - compromise or attempt to compromise the security, integrity or performance of the Services; - introduce malware, viruses, trojans or other harmful code; - attempt to gain unauthorised access to any Finmo system, account or data, or to other users’ data; - take any action that overloads, degrades or otherwise interferes with the proper operation of the Services; - violate any applicable cybersecurity, computer-misuse or anti-hacking laws. You are responsible for implementing and maintaining appropriate security controls on your own systems (including access controls, strong credentials, device and network security) and for safeguarding any API keys, passwords or tokens issued to you. Any use of your credentials will be deemed to be authorised by you unless you have notified Finmo of compromise. ### 10.3 Compliance, Monitoring and Cooperation 10.3.1 Finmo may monitor transactions and use of the Services to confirm compliance with this Acceptance User Policy , with scheme/banking rules, and with legal or regulatory requirements. 10.3.2 You must immediately notify Finmo of any actual or suspected fraudulent, unauthorised, suspicious or illegal activity relating to your use of the Services and must provide all information Finmo reasonably requests. 10.3.3 You must co-operate fully with Finmo, its banking/processing partners, card networks, law-enforcement and regulators in any investigation, including by providing transaction records, customer KYC and correspondence. 10.3.4 Finmo may share information (including your information and transaction data) with relevant banks, payment partners, card networks, regulators or law-enforcement authorities where this is required or reasonably desirable to manage fraud, financial crime, sanctions, risk or regulatory obligations. ### 10.4 Consequences of Violation 10.4.1 If Finmo reasonably suspects a breach of these Terms and Conditions or is required to act by a bank, scheme, payment partner or regulator, Finmo may take the following action with or without notice: - suspend or terminate your access to some or all Services. - delay, reverse or withhold payouts or other funds pending investigation. - return funds to the sender or rightful owner if instructed or if required by law or scheme rules. - debit or set off from your account or balances any invalid, fraudulent or unauthorised transactions and any associated fees, fines, penalties or costs. - report the activity to banks, payment partners, regulators or law-enforcement; and/or - permanently bar you from using the Services. - We may suspend or terminate access immediately for suspected fraud, security risk, legal/scheme requirements, or material breach. 10.4.2 You remain liable to Finmo for any losses, chargebacks, reversals, fines, penalties, assessments or scheme/bank charges arising from your breach of this Acceptable Use Policy, and Finmo may recover such amounts from you. 10.4.3. You may terminate at any time by ceasing use (and, if under an MSA, by following the MSA termination procedure). Post-termination obligations (including fees due, chargebacks, reserves, confidentiality, IP) survive. Nothing in this section limits Finmo’s other rights of suspension or termination under these T&Cs or any MSA. ### 10.5 Violations of the Acceptable Use Policy We encourage you to report violations of this Acceptable Use Policy to finmo.net immediately. If you have a question about whether a type of transaction may violate the Acceptable Use Policy, you can email us at info@finmo.net. ### 10.6 Infringement Reporting Policy It is our policy to take appropriate action where necessary to remove from our services or to disallow the use of our services in connection with material that is claimed to be infringing. If you are an intellectual property rights owner and you believe a website or a webpage using our services sells, offers for sale, makes available goods and/or services, or otherwise includes content or materials that infringe your intellectual property rights, then please contact us at info@finmo.net. ## 11\. Transactions, Chargebacks & Disputes 11.1 Transaction Disputes You acknowledge that any transaction processed through the Services may be disputed or reversed, and that a transaction funds reversal, chargeback, return or refund may result in part or all of the purchase amount being returned to the buyer, card network, bank or other financial institution requesting the reversal. 11.2 Your liabilityYou are fully liable for: - the disputed transaction; - the amount of any Transaction Funds Reversal, chargeback, return or Refund; and - all associated fees, fines, penalties, assessments or scheme/bank charges arising from that dispute. 11.3 Your obligations in a disputeYou agree to: - comply with all applicable card network, payment scheme and banking rules in relation to the dispute, chargeback or refund; - take all reasonable steps to resolve the dispute promptly, including providing receipts, proof of delivery or other evidence; - provide to Finmo, and authorise Finmo to provide, timely assistance, information and documents to any platform provider, card network, Finmo’s processor or any financial institution handling the dispute or reversal; and - issue timely refund instructions to Finmo where a refund is being sought. 11.4 Finmo’s rights to give effect to reversalsWhere payment industry or banking rules require a Transaction Funds Reversal, you irrevocably instruct and authorise Finmo, without further notice to you, to: - hold an amount in any Finmo-controlled account to cover the reversal; - restrict or delay your access to such funds; - debit the reversal amount and any associated fees, fines or penalties from such account (or, if applicable, to direct debit your nominated account); and - adjust your Finmo wallet/balance to reflect the reversal. 11.5 No Finmo liability; indemnityFinmo has no liability to you for any Transaction Funds Reversal, chargeback, return, Refund or related scheme/bank assessments, and Finmo’s actions in implementing such reversal will be deemed authorised by you. You agree to indemnify and hold Finmo harmless against all losses, costs, fees, fines, penalties and expenses that arise from or relate to any such dispute, reversal or Refund, or from Finmo acting in accordance with these T&Cs or the MSA in relation to that dispute. 11.6 Fraud and risk controlsYou must implement and maintain reasonable fraud-prevention and transaction-monitoring controls appropriate to your business, and you must cooperate fully with any Finmo investigation of suspicious, unauthorised or fraudulent activity. Finmo may delay, reject, reverse or block any transaction it considers potentially fraudulent, unauthorised, high-risk or non-compliant. 11.7 Chargebacks and representmentsYou remain liable for all chargebacks, reversals, scheme assessments and related fees. Where practicable, Finmo will make available such transaction data or feeds as Finmo receives from its processor or scheme partners to assist you with any representment, but Finmo does not guarantee that any representment will succeed. 11.8 Reserves, set-off and withholdingTo secure your obligations under this clause and under the MSA, Finmo may, where permitted: - withhold payouts - establish or increase a reserve - set off any amounts you owe (including reversals, chargebacks, fees, fines and penalties) against any funds Finmo holds for you; or - require pre-funding. Where there is any inconsistency with the MSA, the MSA terms on reserves, set-off and withholding will prevail. 11.9 EnforcementFinmo may take any legal action it considers necessary to enforce your indemnity or to recover amounts due to Finmo in connection with any Refund, chargeback or Transaction Funds Reversal. ## 12\. Indemnification 12.1 You agree to indemnify, defend and hold harmless Finmo, its affiliates and their respective directors, officers, employees and service providers from and against any and all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: - your breach of these Terms & Conditions or of any policy incorporated by reference (including the Acceptable Use Policy and any Partner Terms) - your use of the Services for any prohibited, unauthorised or illegal purpose - any transaction disputes, chargebacks, reversals or refunds relating to your customers, products or services - your breach of applicable laws, payment scheme or banking rules in any jurisdiction in which you operate; and - any claim by a third party arising from or relating to your content, your products/services, or your use of the Services. 12.2 If you have entered into a Merchant Services Agreement (MSA) or other written agreement with Finmo, the indemnification provisions in that agreement apply in addition to this clause 12, and will prevail for the Services covered by that agreement. 12.3 This indemnity is binding and enforceable to the fullest extent permitted by law in every jurisdiction in which Finmo operates or provides the Services. ## 13\. Limitation of Liability 13.1 You agree to indemnify, defend and hold harmless Finmo and its officers, employees, affiliates and service providers from and against any and all claims, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms & Conditions; (b) your breach of the Acceptable Use Policy or use of the Services for any prohibited or unapproved purpose; (c) any transaction disputes, chargebacks, reversals or refunds that relate to your customers or your business; and (d) any violation of law, scheme or network rules by you or on your systems. 13.2 The website and any services or content made available through it are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Finmo disclaims all warranties, representations and conditions, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose and non-infringement. 13.3 To the fullest extent permitted by law, Finmo will not be liable to you for: - loss of profits, revenue, business, goodwill or anticipated savings - business interruption - loss or corruption of data; or - any indirect, consequential, punitive or special loss or damage,arising out of or in connection with your use of (or inability to use) the website or the Services. 13.4 Except for liabilities that cannot be limited or excluded by law, Finmo’s total aggregate liability to you arising out of or in connection with these T&Cs will be limited to the total amount of fees (if any) you have paid to Finmo for the relevant Service in the twelve (12) months immediately preceding the event giving rise to the claim. If you have not paid any fees in that period, Finmo’s liability will be limited to the minimum amount permitted by applicable law. 13.5 Nothing in these T&Cs excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be limited or excluded under applicable law. 13.6 Where you have entered into a Merchant Services Agreement (MSA) or other written services agreement with Finmo, the indemnities and liability provisions in that agreement apply in addition to this clause 12. If there is any inconsistency between these T&Cs and the MSA in relation to the Services covered by the MSA, the MSA will prevail. ## 14\. Changes to these Terms and Conditions 14.1 We may update these Terms & Conditions (“T&Cs”) from time to time. 14.2 We may provide notice of updates by any reasonable means, including posting the revised T&Cs in-product, displaying a banner or pop-up, emailing the account administrator, or publishing a changelog. 4.3 Unless stated otherwise in the notice, updates take effect when posted. Your continued access to or use of the Website or Services after the effective date constitutes acceptance of the updated T&Cs. 14.4 If you don’t agree. If you do not agree to an update, you should stop using the Website and Services before the update takes effect. Where you have an executed MSA, your termination or change rights (if any) are as set out in the MSA. ## 15\. Complaints and Contact ### 15.1 Complaints Handling Policy **a. Our policy** Finmo is committed to providing the highest level of care to all our customers. If you feel that our service has not met your expectations, then please tell us. Customer complaints are important to our organisation. They offer specific insights into how we might improve our services, processes and procedures. **b. What to do if you have a complaint?** Please contact us at compliance@finmo.net, detailing the nature of your complaint and providing all relevant information and your contact details. To ensure that your complaint is resolved as soon as possible, please outline any steps you would like us to take in addressing the issue. **c. Our complaints procedure** - Once a complaint has been received, we will acknowledge it and aim to resolve it as quickly as possible. The length of time will depend on the nature of the issues involved. Should a delay occur, we will contact you explaining the reason for the delay and outline the next steps. - If you have received an offer of remedial action or redress from us in response to a complaint you have submitted, and if you consider it to be acceptable, please let us know so that we can comply promptly with it. **d. If you are not satisfied with our response** If you are not satisfied with our final response, you might be entitled to refer it to the relevant local Ombudsman Service, but you must do this within six month of our final response. ### 15.2 Contact us To contact us in relation to these terms of use, please email info@finmo.net. ## 16\. AML / CTF and Sanctions 16.1 Regulatory compliance. Finmo is required to comply with applicable anti-money laundering, counter-terrorism financing, financial sanctions and related regulatory requirements in every jurisdiction in which it operates or targets customers. 16.2 Customer due diligence. You agree to provide Finmo, on request, with any information and documents that Finmo (or its banking/payment partners) considers necessary to verify your identity, your business, your authorised users, your source of funds, or your customers/beneficial owners. Finmo may withhold, delay or suspend the provision of Services until such information is received and verified. 16.3 Monitoring and reporting. You acknowledge and agree that Finmo may monitor transactions and account activity and may file reports or disclosures with the Monetary Authority of Singapore (MAS), AUSTRAC, or other competent authorities where Finmo is required to do so. Finmo is not permitted to notify you if such reports are made. 16.4 Risk-based controls. Finmo may at any time apply risk-based measures, including transaction limits, enhanced due diligence, delaying or rejecting transactions, or suspending or terminating your access to the Services, where Finmo reasonably considers this necessary to meet its legal or regulatory obligations. 16.5 Local regulatory status. Finmo entities hold or operate under the licences/registrations disclosed in Section 3 (Regulatory Disclosures). Those licences do not relieve you of your own AML/CTF or sanctions obligations in the jurisdictions in which you operate. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/terms-of-service#) Reject AllAccept All ## Careers at Finmo Join us in building the future of finance [Open roles](https://www.finmo.net/about/careers#careers) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) At Finmo, we’re redefining how CFOs and finance teams operate: connecting global payments, cash visibility, FX risk management, and AI-driven intelligence into one treasury management system. We deliver connected financial intelligence and control for the modern CFO, helping businesses scale smarter, faster, and with confidence. Come shape the future with us. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F88fd2c1af438867cb7da81158a04ddf84ef23d02-1094x1312.png&w=3840&q=100) ## Great Place to Work Certified We're proud to be certified as a Great Place to Work in Singapore and India. As a high-growth fintech, we move with speed and ambition, grounded in integrity, ownership, curiosity, and deep customer advocacy. Our culture enables us to scale boldly while building with trust. Why Finmo? ## Global impact, Local mindset We’re not just building software. We’re building a movement. From San Francisco to Sydney, London to Dubai, we’re creating a unified financial platform that brings together all your financial data into one dashboard, empowering finance teams with connected financial intelligence so they can become growth enablers, not just risk controllers. What you’ll find here ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8780df4378005911ddced11bc8df4bd2d61a0081-864x1232.webp&w=3840&q=100) A mission that matters We simplify global finance so businesses can thrive Growth opportunities As a Series-A fintech, every role has outsized impact Collaboration without borders With teams across Singapore, India, Malaysia, Australia, the UK, and beyond,
our diversity is our edge Ownership & trust You’ll have the autonomy to build, innovate, and lead Our culture & values ## We’re builders,
thinkers, and doers. At Finmo, our culture is anchored on four core values: Customers First Everything we build begins with the businesses we serve. At Finmo, we listen deeply to CFOs and finance teams; understanding their challenges before designing solutions that truly make a difference.Every product decision, feature, and innovation ties back to one belief: when our customers win, we win. We take pride in helping businesses gain visibility, control, and confidence to scale faster, smarter, and stronger. Bias for Action Speed matters. In a fast-moving fintech world, progress beats perfection. We believe in moving quickly, learning fast, and adapting faster. Our teams take ownership, make bold calls, and deliver tangible impact without waiting for perfect conditions. Because at Finmo, agility isn’t just how we work. It is who we are. Builders at Heart Our curiosity drives us to question the status quo and reimagine how finance works for the modern enterprise. Every line of code, every integration, and every dashboard we design helps CFOs gain second sight, turning complexity into clarity. We create solutions that move finance forward, not just manage what exists. Win as One We believe great things happen when diverse minds come together. Across Singapore, India, Malaysia, Australia, the UK, and beyond, our teams collaborate seamlessly to solve problems that matter. We celebrate wins together, learn from our misses, and push each other to grow. Because at Finmo, we don’t just work side-by-side, we rise together as one global team. ## We Invest in Our People We know that empowered teams build exceptional products. At Finmo, we invest in your growth, well-being, and success because when you thrive, so does the company. We support you with balance, opportunity, and purpose every step of the way. ![Finmo Team](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2cc52f0f2eba103eafa96af31c30fc12866f5111-2678x1504.webp&w=3840&q=100) Hybrid and flexible working to support global collaboration You share in our growth through pay, rewards, & equity Grow your craft with mentorship, learning, and frontier tech Health, wellness, and family support that put you first Community, connection, and moments that shape Finmo’s culture Do meaningful work that powers global finance Open roles ## Your Next Role Could Be Here Explore opportunities across: Loading open roles... ## Don’t see a fit? We’re always on the lookout for exceptional talent.
If you don’t see a role that matches your profile, drop us a note anyway. [Upload your CV](https://jobs.smartrecruiters.com/oneclick-ui/company/Finmo/job/2003561498?lang=en&sid=&dcr_ci=Finmo) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/about/careers#) Reject AllAccept All ## Local & Global Payments Local & Cross-Border Payouts # Grow globally, pay locally Make faster, more cost-effective payouts across 80+ currencies into 200+ countries in near real-time, with instant FX. All via a single connection to Finmo’s global payment network. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F7fc18b77bc3d1aa2b34a57b6c3ea58b901913100-547x656.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F76a6e2d2b0ded83099a873512854aafa654d9c77-1094x1312.webp&w=3840&q=100) Single API integration ## Scale with single connection Bypass the complexity and compliance issues associated with entering new markets. With a single integration to Finmo you can seamlessly move money anywhere with one integration. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fad207e11b68c21ead5305bb485261a05230433a4-1094x1312.webp&w=3840&q=100) A global network ## Act global, pay local Pay employees, contractors or suppliers in their preferred currency with full visibility over FX rates and fees – and most payouts sent instantly. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F70ed479e073d04cd9eacc37a27cab9a07a8c839e-1094x1312.webp&w=3840&q=100) Virtual accounts ## Local banking, without the bank Get virtual accounts with local bank details – without going near a traditional bank. Collect from customers and pay anyone, anywhere—instantly and affordably. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fabd5b29068eed69f47f8d06063e9262471a93ccc-1094x1312.webp&w=3840&q=100) Local payment methods ## Optimised for everywhere Don’t just pay in the right currency, pay in the right way.
Finmo’s payments are optimised for every market – with options to send directly to wallets or banks. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff9476e4abc7ed989c9cd45c650aafa38256ca853-1094x1312.webp&w=3840&q=100) Traceable transactions ## See what you’ve sent Track all your payments on your Finmo Connected Dashboard in real time. Get regular updates and notifications, so you see what’s been paid – and keep payees updated about the process all the way. Global account verification ## End errors and fight fraud Instantly verify account ownership across regions to reduce fraud and payment errors. With Confirmation of Payee in Australia, and Verification of Payee in the UK and Europe, Finmo ensures every transaction reaches the right destination. [Confirmation of payee](https://www.finmo.net/hk/product/payments/local-and-cross-border-payments/confirmation-of-payee) Realtime verification Finmo instantly verifies account ownership by cross-checking submitted details against global banking networks to give you complete confidence before any money moves. Intelligent name-matching Get real time name match suggestions when submitted details are nearly correct, to help catch small errors and stay compliant with regional regulations. Friction-free payee process Verification is fast, frictionless and invisible to your payees. Send payment confidence with a process payees won’t notice. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5c3d0348fad5ee548f62fa71ec50aab40b7887b5-547x656.svg) Real-time risk engine ## Built in compliance Finmo ensures seamless regulation and compliance with its real-time risk and compliance engine. This manages payment compliance and risk mitigation, including screening payouts against global sanctions lists, ensuring secure and compliant transactions. ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/local-and-cross-border-payments#) Reject AllAccept All ## Careers at Finmo Join us in building the future of finance [Open roles](https://www.finmo.net/hk/about/careers#careers) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) - ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2a2838ac8cb23d9503c1aa309afad7ff66cc062a-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F03388b9ef338ddfe913583ad8c96adbaa4165dd8-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbfc830425f6caf1a6863ea001f24ae3b157d6426-1274x850.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F018df2dfcc88d8d8d831c1c69c2ad9b76b4c5ddb-1274x850.webp&w=3840&q=100) At Finmo, we’re redefining how CFOs and finance teams operate: connecting global payments, cash visibility, FX risk management, and AI-driven intelligence into one treasury management system. We deliver connected financial intelligence and control for the modern CFO, helping businesses scale smarter, faster, and with confidence. Come shape the future with us. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F88fd2c1af438867cb7da81158a04ddf84ef23d02-1094x1312.png&w=3840&q=100) ## Great Place to Work Certified We're proud to be certified as a Great Place to Work in Singapore and India. As a high-growth fintech, we move with speed and ambition, grounded in integrity, ownership, curiosity, and deep customer advocacy. Our culture enables us to scale boldly while building with trust. Why Finmo? ## Global impact, Local mindset We’re not just building software. We’re building a movement. From San Francisco to Sydney, London to Dubai, we’re creating a unified financial platform that brings together all your financial data into one dashboard, empowering finance teams with connected financial intelligence so they can become growth enablers, not just risk controllers. What you’ll find here ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8780df4378005911ddced11bc8df4bd2d61a0081-864x1232.webp&w=3840&q=100) A mission that matters We simplify global finance so businesses can thrive Growth opportunities As a Series-A fintech, every role has outsized impact Collaboration without borders With teams across Singapore, India, Malaysia, Australia, the UK, and beyond,
our diversity is our edge Ownership & trust You’ll have the autonomy to build, innovate, and lead Our culture & values ## We’re builders,
thinkers, and doers. At Finmo, our culture is anchored on four core values: Customers First Everything we build begins with the businesses we serve. At Finmo, we listen deeply to CFOs and finance teams; understanding their challenges before designing solutions that truly make a difference.Every product decision, feature, and innovation ties back to one belief: when our customers win, we win. We take pride in helping businesses gain visibility, control, and confidence to scale faster, smarter, and stronger. Bias for Action Speed matters. In a fast-moving fintech world, progress beats perfection. We believe in moving quickly, learning fast, and adapting faster. Our teams take ownership, make bold calls, and deliver tangible impact without waiting for perfect conditions. Because at Finmo, agility isn’t just how we work. It is who we are. Builders at Heart Our curiosity drives us to question the status quo and reimagine how finance works for the modern enterprise. Every line of code, every integration, and every dashboard we design helps CFOs gain second sight, turning complexity into clarity. We create solutions that move finance forward, not just manage what exists. Win as One We believe great things happen when diverse minds come together. Across Singapore, India, Malaysia, Australia, the UK, and beyond, our teams collaborate seamlessly to solve problems that matter. We celebrate wins together, learn from our misses, and push each other to grow. Because at Finmo, we don’t just work side-by-side, we rise together as one global team. ## We Invest in Our People We know that empowered teams build exceptional products. At Finmo, we invest in your growth, well-being, and success because when you thrive, so does the company. We support you with balance, opportunity, and purpose every step of the way. ![Finmo Team](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F2cc52f0f2eba103eafa96af31c30fc12866f5111-2678x1504.webp&w=3840&q=100) Hybrid and flexible working to support global collaboration You share in our growth through pay, rewards, & equity Grow your craft with mentorship, learning, and frontier tech Health, wellness, and family support that put you first Community, connection, and moments that shape Finmo’s culture Do meaningful work that powers global finance Open roles ## Your Next Role Could Be Here Explore opportunities across: Loading open roles... ## Don’t see a fit? We’re always on the lookout for exceptional talent.
If you don’t see a role that matches your profile, drop us a note anyway. [Upload your CV](https://jobs.smartrecruiters.com/oneclick-ui/company/Finmo/job/2003561498?lang=en&sid=&dcr_ci=Finmo) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/about/careers#) Reject AllAccept All ## Global Trade Solutions ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). Built for importers & exporters # Protect margins in global trade Automate supplier payments and manage FX exposure, powered by real-time cash visibility and rolling forecasts. Finmo helps importers and exporters monitor FX exposure, forecast funding needs, and execute international payments without losing margin to volatility. [Get started for free](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc20b79b58c253a09e69cfcdde356232325c6f137-5356x2820.png&w=3840&q=100) Trusted by APAC finance teams - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/cd85cbb910c0b6d4ec8aca44933ff07259982d88-169x131.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3978b36c5d146663a18f6f2f79053eab72162c42-211x131.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fba09065a4b3727d9183ed6fb11d336bb36c241bf-1641x1968.webp&w=3840&q=100) Manage FX risk ## Stop losing margin to volatility Global trade exposes every transaction to currency risk. Importers and exporters often face: • Currency exposure across supplier invoices • Limited visibility into upcoming payment obligations • FX fluctuations eroding trade margins Without clear insight into exposure and funding needs, even profitable shipments can lose margin. Finmo helps trading businesses monitor exposure, plan funding, and execute supplier payments with full visibility. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F12b78f68c14b927ba5454543fa4df3381053c8ab-1094x1312.webp&w=3840&q=100) Global trade, fully controlled ## See exposure. Plan funding. Execute payments. Managing global trade requires visibility across every stage of a transaction. Before executing supplier payments, businesses need to understand: • Currency exposure across shipments • Upcoming payment obligations • How FX movements impact margins Finmo connects financial visibility, forecasting, and global payments so trading companies can protect margins on every transaction. Control every stage of global trade finance ## Monitor exposure, forecast funding, and execute supplier payments Connect your accounts Link your bank accounts and accounting software to get a single, unified view of your cash flow. See currency exposure Monitor currency exposure across suppliers and shipments before FX moves impact your margins. Forecast & hedge Generate rolling forecasts to model FX impact and plan funding ahead of every trade cycle. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Automate supplier payments Execute multi-currency supplier payments from a single platform, with full visibility into funding and FX impact. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Trusted by the smartest importers & exporters ## What businesses are saying about Finmo Companies trading globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Security & compliance ## Enterprise-grade infrastructure, for importers & exporters As your company grows, financial infrastructure matters. Finmo operates under globally recognised security and compliance standards so you can manage global payments and financial data with confidence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/512ad194ee55228d4c477e46b2559a1a0c6de0f5-200x77.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb3dfab66d812cc6b64e7b92a9cdd8fc9547c7950-97x97.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong FAQs Frequently asked
questions Is my company's money safe with Finmo? Finmo holds the required licences and registrations in 8 countries — including Singapore (MAS), Australia (ASIC), the UAE (DFSA), the UK (FCA), and the US. We are PCI DSS, SOC2 Type II, and ISO 27001 certified. Your funds are safeguarded in accordance with the regulatory requirements of each jurisdiction. How long does it take to open an account and make my first payment? Account opening takes minutes. Most startups complete their first international payment within the same day. There is no minimum balance requirement and no legacy onboarding process. We already use Wise and a local bank. Why do we need Finmo? Wise moves money. Your local bank holds it. Neither shows you the real-time impact of every transaction on your consolidated cash position across currencies. Finmo does all three, and because payments and cash intelligence are the same product, every transfer you make instantly updates your dashboard. No manual reconciliation. No gap between what moved and what your numbers show. Do I need to replace all my existing banking relationships to use Finmo? No. You can connect your existing bank accounts to Finmo for visibility and use Finmo's multi-currency account for international collections and payments. ## Protect your margins. Grow unimpeded. [Get started for free](https://dashboard.finmo.net/signup) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/import-and-export#) Reject AllAccept All ## Cash Investment Solutions Invest # From idle cash to active returns Get idle cash working for you. Invest in low-risk, easy-access money market funds to build returns and beat inflation. [Get started](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4b6d49d7dd598b773dc49b6031d5211a198fe430-1200x1350.webp&w=3840&q=100) ## Put your cash to work Make the most of excess capital using our smart investment funds. Competitive returns Maximise returns Put your cash to work with our smart investment opportunities and potentially earn up to ~4+% in projected returns.\* With unlimited transfers, no minimum balances and no lock-in period. ![](https://cdn.sanity.io/images/3m8qrzh6/production/f546beefda1d2a191abe6b393b82b807bbe28a52-547x360.svg) Protect capital Beat inflation Rising inflation can erode your reserves. Protect your business’s capital by earning competitive returns – and see off inflationary pressures. ![](https://cdn.sanity.io/images/3m8qrzh6/production/c1d961171ae7a4ad6b7034faa9cc9ac7b125ef6e-547x360.svg) Fund management Flexible fund management Enjoy simple and seamless fund management, integrated within Finmo’s intuitive platform. Easily invest and monitor daily returns and balances across all currencies in one simple dashboard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd35d3b1fa19bfbe1b85e9db551c24e3f3b79caa8-1094x720.webp&w=3840&q=100) Easy access Cash out fast Need your funds? Simply withdraw with 2-4 business days settlement. Track your transfers in real-time and access your investments anytime. ![](https://cdn.sanity.io/images/3m8qrzh6/production/4a436cacd4c6a08a0aba00e21c24ec5ad4826585-547x360.svg) Secure investments Enterprise level security Your assets are held securely with leading financial institutions. All deposits are protected by bank-grade security and risk controls. ![](https://cdn.sanity.io/images/3m8qrzh6/production/e09378e020874697c2b7e4e208ac354302c2bd3c-547x360.svg) Products ## Ready‑made investments We partner with award-winning advisors Endowus and Syfe to help you earn competitive returns. EndowusSyfe ## Invest with Endowus Endowus charges just one all-in fee, no sales fees or transactional fees, and rebates 100% of the trailer fees it receives back to you. Endowus Cash Smart Secure (SGD) Secure combines a cash fund that invests in institutional fixed deposits with one of Singapore’s best performing money market funds. Projected Returns 1.70% - 1.90% p.a.\* Endowus Cash Smart Ultra (SGD) Ultra aims to provide the highest yield amongst the Endowus Cash Smart portfolios over time by having a diversified allocation across some short duration bond and money market funds. Projected Returns 2.6% to 2.8% p.a.\* USD Money Market Funds Endowus offers a range of USD-denominated Money Market Funds that can suit your treasury management needs. Guaranteed Return 3.8% to 4.2% p.a. [Invest now](https://dashboard.finmo.net/signup) ### Get started in three simple steps Generate excess yield on your idle cash across multiple dimensions Invest your excess cash in a variety of investment options across major currencies - SGD, USD, AUD, CHF, EUR and GBP - with flexibility and no lockups Assets safely held with UOB Kay Hian Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of the Asia’s largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets. Fully integrated with your Finmo account By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo 
Tech Pte Ltd. \*Corporate Clients will have to open an account with Endowus before investing via the Endowus Platform Terms and conditions Finmo acts as an introducer to ENDOWUS SINGAPORE PTE. LTD. ("Endowus") and SYFE PTE. LTD. ("Syfe"). In return for introducing clients to Endowus and Syfe, Finmo receives a revenue share. Endowus is a Capital Markets Services (CMS) Licence holder by the Monetary Authority of Singapore under the Securities and Futures Act (Chapter 289) of Singapore ("SFA") (CMS License 101051) and an exempt financial advisor under the Financial Advisors Act (Chapter 110) of Singapore to provide certain financial advisory services. Syfe is regulated by the Monetary Authority of Singapore and holds Capital Markets Services Licence No. CMS100837. The full suite of investment options (including Fixed Income, Equities, Multi-Asset and Alternative Investment Funds) may also available to you through Endowus. By using the Finmo Dashboard to view your investment holdings on Endowus, you consent to Endowus Singapore Pte Ltd disclosing information about your account to Finmo Tech Pte Ltd. Assets safely held with UOB Kay Hian Your company’s cash and investments are held in your own legal name with UOB Kay Hian, one of Asia's largest brokerage firms. Your assets are never commingled with Endowus or other entities’ assets. \*Not guaranteed. Projected yields calculated as of 7 October 2025. Yields are net of Fund-level fee and Endowus fee. ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/working-capital-optimisation/yield#) Reject AllAccept All ## Finmo Privacy Policy # Privacy Policy Last updated: December 17, 2025 Contents - [Scope](https://www.finmo.net/hk/privacy-policy#scope) - [Personal Data](https://www.finmo.net/hk/privacy-policy#personal-data) - [Collection, use and disclosure of personal data](https://www.finmo.net/hk/privacy-policy#collection-use-and-disclosure-of-personal-data) - [Cookies](https://www.finmo.net/hk/privacy-policy#cookies) - [Information from Third-Party Sources](https://www.finmo.net/hk/privacy-policy#information-from-third-party-sources) - [Retention of Customer Personal Data](https://www.finmo.net/hk/privacy-policy#retention-of-customer-personal-data) - [Protection of Customer Personal Data](https://www.finmo.net/hk/privacy-policy#protection-of-customer-personal-data) - [Access and Correction of Customer Personal Data](https://www.finmo.net/hk/privacy-policy#access-and-correction-of-customer-personal-data) - [Links to other websites](https://www.finmo.net/hk/privacy-policy#links-to-other-websites) - [Transfer of customer personal data outside of Singapore](https://www.finmo.net/hk/privacy-policy#transfer-of-customer-personal-data-outside-of-singapore) - [Consent and withdrawal of consent](https://www.finmo.net/hk/privacy-policy#consent-and-withdrawal-of-consent) - [Data subject rights](https://www.finmo.net/hk/privacy-policy#data-subject-rights) - [Data breach communication](https://www.finmo.net/hk/privacy-policy#data-breach-communication) - [Data protection officer](https://www.finmo.net/hk/privacy-policy#data-protection-officer) - [Changes to policy](https://www.finmo.net/hk/privacy-policy#changes-to-policy) This privacy policy sets out the basis on which Finmo and its group of companies around the world stated below (collectively known as “Finmo”) may collect, use, disclose or otherwise process personal data relating to you in accordance with the Personal Data Protection Act (PDPA): a. Finmo Tech Pte Ltd b. Paynow Technology Pty Ltd c. Finmo LLC d. Finmotech Canada Inc We use the information we collect about you to maximize the services that we provide to you. We respect the privacy and confidentiality of the information provided by you and adhere to the International Privacy Principles in markets we operate. Please read our Policy below carefully. ## Scope This Policy applies to personal data in the possession or under the control of Finmo, including any organization that Finmo may engage to collect, use, disclose or process personal data for the purposes of Finmo. ### Limited Applicability Finmo is currently not established in the EU region and do not offer goods or services to, or monitor the behavior of, individuals in this jurisdiction. We do not have EU employees, vendors, or customers. On this basis, the GDPR generally does not apply to our current processing activities. ## Personal Data 1. Personal data defined under the PDPA refers to: a. Data about an individual who can be identified from that data, or b. From that data and other information to which the organization has or is likely to have access. 2. PII Scope: a. Finmo primarily collect personal data of employees and minimal personal data of end users. We act as independent controllers for personal information we collect about our employees and job applicants for HR and corporate administration. 3. "Customer Personal Data" means any personal data which you disclose to Finmo. If you are an individual user of the services and/or products of Finmo, personal data which we may collect includes your: a. Name (including any alias used by you); b. Gender; c. Date of birth; d. Nationality; e. Country of residence; f. Identification number (including passport number); g. Tax residency; h. Proof of identity; i. Proof of residence; j. Employment information; k. Financial information; l. Transaction information; m. Proof of source of funds. n. IP address; o. MAC address; 4. If you are a corporate user of the services and/or products of Finmo, Customer Personal Data which we may collect from your directors, shareholders, beneficial owners, employees and any other individual authorized to act on your behalf (each known as a "Data Subject") includes such information as listed in paragraph 2 above in relation to each Data Subject. 5. Our services are not directed to persons under 18 and we do not knowingly collect Personal Data from anyone under 18. If we become aware that a child under 18 has provided us with Personal Data, we will delete that information as quickly as possible. If you are the parent or guardian of a child and you believe they have provided us with Personal Data without your consent, then please contact us immediately. ## Collection, use and disclosure of personal data 1. Customer Personal Data will be collected and used by the Finmo for any one or more of the following purposes: 01. to assess and evaluate your eligibility for registering an account with Finmo; 02. to manage the relationship between you and Finmo; 03. to enable Finmo to perform its obligations under or in connection with the provision of services and/or products to you; 04. to maintain legal and regulatory compliance in the jurisdictions in which Finmo operates; 05. to enforce the terms and conditions of any agreement between you and Finmo (including this Policy); 06. to enable Finmo to improve its services and/or products and marketing and customer relationships; 07. to send you updates on the services and/or products of Finmo, benefits, promotions and other such promotional material from time to time at the email address and/or contact number provided by you to Finmo; 08. where required under any applicable laws; 09. where required under any order of court from a court of competent jurisdiction; 10. for such purposes to which you have given your consent in writing (collectively the "Purposes") 2. Using your personal information for direct marketing. From time to time, and in support of our future development of our services, we may use your personal information to contact you to promote and market our Services, including benefits, promotions and other such promotional material from time to time at the email address and/or contact number provided by you to Finmo. You can opt-out from being contacted for direct marketing purposes by contacting us or by using the unsubscribe facility included in each direct marketing communication we send. Once we receive a request to opt out from receiving marketing information, we will stop sending such information within a reasonable amount of time. 3. Unless otherwise permitted or required under the PDPA or any other applicable laws, Finmo generally collects Customer Personal Data in the course of or in connection with the registration of an account and/or sub-account(s) with Finmo and only after you have: 1. been notified of the Purposes; and 2. provided Finmo with your written consent to the collection, use and disclosure of Customer Personal Data for the Purposes. 4. You acknowledge and agree that any Customer Personal Data provided to us (whether electronically or otherwise): 1. is done knowingly and voluntarily by you; 2. is complete, true and accurate in all respects; and 3. does not omit anything that affects or is likely to affect the meaning or significance of such personal data in any respect. 5. In order to ensure that Customer Personal Data is complete, true and accurate in all respects, you acknowledge and agree that it is your sole responsibility to update Finmo within reasonable time if there are any changes to such Customer Personal Data by informing the data protection officer of the Finmo in writing or via email at the contact details provided below in this Policy. 6. In the event that you provide personal data relating to any individual (whether such an individual is a Data Subject or otherwise), you undertake that you have obtained the consent from such individual concerned for the disclosure such personal data relating to them to Finmo and for Finmo to collect, use and disclose such personal data for the Purposes. 7. Finmo reserves the right to request for proof of notification and consent for the disclosure of personal data by an individual under paragraph 5 above. 8. You agree that Finmo may disclose Customer Personal Data to: 1. any governmental agency or regulatory authority of any jurisdiction properly exercising its powers; 2. professional advisers of the Finmo; 3. parties providing services and/or products to Finmo (including information technology services, know-your-client and anti-money laundering compliance services providers); 4. relevant group of companies around the world related to Finmo; 5. entities that Finmo is in discussions with for a merger or an acquisition of the Finmo by such other entities; 6. entities that acquire the assets of Finmo pursuant to any applicable law; 7. entities pursuant to any order of court from a court of competent jurisdiction 9. You acknowledge and agree that Finmo may continue to use and disclose Customer Personal Data for a reasonable period following the termination of the relationship between you and the Finmo for any one or more of the following purposes a. to allow Finmo to fulfill its outstanding obligations to you under any agreement between you and Finmo, if any; b. to allow Finmo to enforce its rights under any agreement between you and Finmo, if any; c. For such purposes to which you have given your consent in writing; d. where required under any applicable laws; e. where required under any order of court from a court of competent jurisdiction. ## Cookies 1. A cookie is a small file placed in your web browser that collects information about your web browsing behavior. Use of cookies allows a website to tailor its configuration to your needs and preferences. Cookies do not access information stored on your computer or any Personal Data (e.g. name, address, email address or telephone number). Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. This may, however, prevent you from taking full advantage of our website. 2. Our website uses cookies to analyze website traffic, provide social media sharing and liking functionality and help us provide a better website visitor experience. In addition, cookies and pixels may be used to serve relevant ads to website visitors through third party services such as Google Adwords and Facebook Adverts. These ads may appear on this website or other websites you visit. ## Information from Third-Party Sources 1. From time to time, Finmo may obtain information about you and/or your Data Subject(s) from third-party sources as required or permitted by applicable laws, including from: 1. public databases; 2. credit bureaus; 3. ID verification partners; and 4. social media platforms. 2. ID verification partners may use a combination of government records and publicly available information about you to verify your identity, including the following information relating to you: 1. name; 2. address; 3. employment information; 4. public employment profile (where applicable); 5. credit history; and 6. status on sanctions lists maintained by public authorities (where applicable) 3. Finmo obtains such information from third-party sources to comply with its legal obligations, including applicable anti-money laundering laws and to ensure that the services and/or products of Finmo are not used fraudulently or for other illicit activities. ## Retention of Customer Personal Data 1. Subject to any applicable laws, Finmo may retain Customer Personal Data for as long as it is necessary to fulfill the Purposes or in accordance with paragraph 8 under “Collection, Use and Disclosure of Personal Data” section above (as the case may be). 2. Finmo shall cease to retain Customer Personal Data or otherwise remove the means by which such Customer Personal Data can be associated with Data Subjects as soon as, in the opinion of Finmo, it is reasonable to assume that such retention no longer services the purposes for which the Customer Personal Data was collected and is no longer necessary for the Purposes. ## Protection of Customer Personal Data 1. To safeguard Customer Personal Data from unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks, Finmo has introduced appropriate administrative, physical, and technical measures (including up-to-date antivirus protection, encryption, and use of privacy filters) to secure all storage and transmission of Customer Personal Data by Finmo. 2. Any disclosure of Customer Personal Data (whether internally or otherwise) will only be carried out on a need-to-know basis. 3. You acknowledge and agree that no method of transmission over the internet or method of electronic storage is completely secure and Finmo makes no representation and/or warranty (whether express or implied) that there will be no unauthorized: 1. access to the Customer Personal Data; 2. copying of the Customer Personal Data; and/or 3. disposal of the Customer Personal Data. 4. You agree that, save for any willful default or fraud on the part of Finmo or its directors, officers, employees, representatives, and/or agents (each a "Relevant Person"), no Relevant Person shall be liable to you for any losses, liabilities, damages, costs and/or expenses (including any direct, indirect, incidental, special, consequential, or punitive damages or economic loss or any claims for loss of profits or loss of use) arising from or in connection with this Policy. ## Access and Correction of Customer Personal Data 1. You may make any one or more of the following requests in writing or via email to our data protection officer at the contact details provided below: 1. An access request for access to a copy of the Customer Personal Data or information on the ways in which we use or disclose the Customer Personal Data; 2. Please note that depending on the request that is being made, Finmo may only need to provide you with access to the Customer Personal Data contained in the documents requested, and not to the entire documents themselves, in which case it may be appropriate for Finmo to instead provide you with a confirmation of the Customer Personal Data that our organization has on record if the record of the Customer Personal Data forms a negligible part of the document. 3. Where Finmo is unable to comply with any request under paragraph 1 and 2 of the section above, Finmo shall inform you of the reason(s) for being unable to do so. ## Links to other websites This website may contain links to other websites. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that we are not responsible for the privacy practices of such other websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personally identifiable information. This privacy policy applies solely to information collected by this website. ## Transfer of customer personal data outside of Singapore 1. In the event that Finmo and/or its services providers store, transfer, or otherwise process Customer Personal Data outside of Singapore, Finmo shall take steps to ensure that the Customer Personal Data continues to receive a standard of protection that is at least comparable to that provided under the PDPA. 2. In the event that you provide personal data relating to any individual (whether such an individual is a Data Subject or otherwise), you undertake that you have obtained the consent from such individual concerned for the transfer of personal data relating to such individual outside of Singapore. 3. Finmo reserves the right to request for proof of notification and consent for the disclosure of personal data by an individual under paragraph 2 of the section above. 4. Finmo does not transfer EU personal data as we do not process or handle any EU-sourced personal data. ## Consent and withdrawal of consent 1. In providing any Customer Personal Data, you acknowledge and agree that you have read, understood and agreed to this Policy and consent to the use, disclosure, and/or processing of the Customer Personal Data for the Purposes ("Consent"). 2. Your Consent shall remain valid until such time as withdrawn by you in writing or subjected to the relevant paragraphs located under the section on“Retention of Customer Personal Data” above, following the termination of the relationship between you and Finmo. 3. You may withdraw your Consent (whether in part or in whole) at any time in writing or via email to the data protection officer of Finmo at the details below ("Withdrawal Request"). **Please note that withdrawing your consent will only stop processing that is based on consent. Where we are legally required to keep and use certain personal data — for example to meet payment services, AML/CFT, regulatory, or audit requirements — we will continue to retain and process that data for those purposes and for the legally required retention period.** 4. Upon receipt of a Withdrawal Request, Finmo will inform you of the likely consequences of withdrawing your Consent (whether in part or in whole) and Finmo will cease collecting, using, or disclosing Customer Personal Data save in accordance with this Policy. ## Data subject rights As a user, you have the following rights regarding your personal data: 1. Right to access – You have the right to request a copy of your personal data held by Our Company. 2. Right to modify – You have the right to request corrections to any inaccurate or incomplete data. 3. Right to erase – You may request the deletion of your personal data under certain conditions. 4. Right to restrict – You can request the restriction of processing your personal data in certain situations. 5. Right to object – You have the right to object to the processing of your personal data under specific circumstances. 6. Right to withdraw consent – You have the right to withdraw your consent for processing your data at any time. 7. Right to know – You have the right to be informed about how your personal data is being used. ## Data breach communication 1. In the event of a data breach involving your personal information, we follow a strict protocol to promptly investigate, contain, and address the incident. We will assess the nature and scope of the breach and take necessary corrective actions. 2. Any detected data breach will be reported to relevant authorities and affected individuals within 72 hours of its identification, in compliance with applicable data protection regulations. 3. For any concerns or to report a suspected data breach, please contact our Data Protection Officer as outlined in the “Data Protection Officer” section of this policy ## Data protection officer Finmo has appointed a Data Protection Officer (“DPO”) to oversee compliance with applicable data protection and privacy laws and to act as a central point of accountability for data protection matters. **Contact Information:** - Data Protection Officer: info@finmo.net **Roles and Responsibilities:** - Advising Finmo on its obligations under applicable data protection and privacy regulations and monitoring ongoing compliance. - Overseeing the establishment, implementation, and maintenance of data protection policies, standards, and internal controls. - Providing guidance on data protection risk management, including reviewing data processing activities and supporting privacy impact assessments where required. - Acting as the primary point of contact for individuals regarding the exercise of their data protection rights and privacy-related enquiries. - Liaising with supervisory and regulatory authorities on matters relating to data protection and privacy compliance. - Supporting the management and assessment of personal data breaches, including coordination of investigations, mitigation actions, and regulatory notifications. - Promoting data protection awareness across Finmo through internal guidance, training initiatives, and best practice recommendations. ## Changes to policy 1. This Policy applies in conjunction with any other notices, contractual clauses, and consent clauses that apply in relation to the collection, use, and disclosure of Customer Personal Data by Finmo. 2. Finmo may revise this Policy from time to time without any prior notice and you acknowledge and agree that it is your sole responsibility to keep up to date with any revisions to this Policy. 3. Your continued use of any service and/or product provided by Finmo shall constitute your acknowledgement and acceptance of any revisions to this Policy. ## Stay in‑the‑know with finance insights from Finmo Get started Unsubscribe anytime. ## Payee Verification Solutions Confirmation of Payee # Stop misdirected payments Finmo’s Confirmation of Payee (CoP) verifies beneficiary account ownership through real-time individual and business account verification. Instantly validate payee names against bank records, reduce failed payments, and protect your business from fraud, all without slowing down operations. Built for modern finance teams managing global payouts at scale. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F410b4ee289257503e8e22c76582481afb3da9319-1641x2025.webp&w=3840&q=100) How it works ## Validate beneficiaries in seconds Finmo connects to a global network of banking partners to confirm account ownership before payouts are initiated. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d685ff2259917390c9e916da8947220eee3e5d6a-1344x604.svg) Submit payee details Whether you're onboarding a beneficiary or processing a payout, Finmo verifies accounts instantly with just a name, bank, and account number. Verify instantly Finmo connects to a global network of banks and payment service providers to validate the data. Review & proceed Receive per-payee verification results instantly and choose to proceed with the transaction or review details before authorizing the payment. Core capabilities ## Intelligent controls built into every payout Real-time validation Verify before you send Cross-check payee details against global banking networks instantly. Ensure the account holder name matches submitted data before funds are released, eliminating guesswork and reducing fraud exposure. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0363edb60c21399d0f7c8aa3ae5283c7235ad7a3-1094x1312.webp&w=3840&q=100) Intelligent name matching AI-powered matching Receive real-time match outcomes including exact match, partial match, or no match. Identify minor spelling errors, incorrect entities, or mismatched beneficiaries, while staying compliant with regional regulations. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb3945f6135d6c7db1876af79bb96ff2d50ec17e-1641x1968.webp&w=3840&q=100) Seamless experience Frictionless & invisible to payees Verification is fast, automatic, and invisible to your payees. Enjoy the confidence of secure payments combined with a frictionless process that your payees won’t even notice. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e355bec034662fbd6b695fd4a2c31cf37dde20d-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0363edb60c21399d0f7c8aa3ae5283c7235ad7a3-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb3945f6135d6c7db1876af79bb96ff2d50ec17e-1641x1968.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0e355bec034662fbd6b695fd4a2c31cf37dde20d-1094x1312.webp&w=3840&q=100) Operational Impact ## Optimised payment flows Operational resilience Reduce failed payments With 10–15% of payments failing due to incorrect account details, automated validation ensures errors are detected in real time, reducing manual errors and streamlining your workflow. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa43534e277959c9e6e5060bfdd7a8a5b83dea696-1094x1312.webp&w=3840&q=100) Cash flow velocity Settle faster Validated payees ensure fewer disruptions in your payment process, keeping your cash flow predictable and transactions completed on time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) Instant payee confirmation Eliminate penny drops Finmo replaces test deposits with instant, behind the scenes verification, saving you time and securing every payout. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb13ae351c674ecb0d7ebabefd780bcd97c32cee-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fa43534e277959c9e6e5060bfdd7a8a5b83dea696-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F548c838a594f09eb39c0bd7b2aefe71a6fd2fafc-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffb13ae351c674ecb0d7ebabefd780bcd97c32cee-1094x1312.webp&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc267ddb971dbe06e0748b120b79c89929a065505-1094x1312.webp&w=3840&q=100) High-Volume Payouts ## Bulk Verify in Seconds Easily upload your complete payout list and let the system instantly verify every recipient in one go. Add custom overrides directly in your file based on verification results, giving you full control over how each payment gets processed. Designed for payroll runs, marketplace payouts, and large supplier batches. Global Coverage ## Confirmation of Payee available across key markets - ![Australia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F972903dd27ca0640721b2377f47727cf5b70cd4e-248x248.png&w=3840&q=100) Australia ![Argentenia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6b892e45900061c90038f1671e11d0db2411c2ca-248x248.png&w=3840&q=100) Argentenia ![Bangladesh](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffd71e6e1b47444c88127a2b7c4bb3fbd475b8996-248x248.png&w=3840&q=100) Bangladesh ![Belgium](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8efd5e8734845f8758a2136ddac4fc65145bac22-248x248.png&w=3840&q=100) Belgium ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![France](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F1805eefbde5f5f67525e0d18f155485fe68a344e-248x248.png&w=3840&q=100) France ![Korea](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc8dd5bec1379d1315d4887acbe2cd8d227cfa212-248x248.png&w=3840&q=100) Korea ![Indonesia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd21d2cb198f9fb650665bcf81fa333e05a1e8d6b-248x248.png&w=3840&q=100) Indonesia ![Nigeria](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9bb7e1b2ee25de73f4455caf2409111d52b26c70-248x248.png&w=3840&q=100) Nigeria ![Nepal](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F81fceeffd7ba23f1d35dda720a44db975d4ce7f8-248x248.png&w=3840&q=100) Nepal ![Uganda](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F0ba8121343eb357beb57caa40c37a40c8be35273-248x248.png&w=3840&q=100) Uganda ![Vietnam](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd6086e5298ae9dc9dd1436d3338f43cf9491eec2-248x248.png&w=3840&q=100) Vietnam ![Malaysia](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff6072ff4850a7c1141a38f7d5159d7f46cc78dc4-248x248.png&w=3840&q=100) Malaysia ![Uruguay](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb994ab270f79570249309ee78b6b67cb0516e806-248x248.png&w=3840&q=100) Uruguay ![Peru](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8562784137e83fb389372b460e01724922a59161-248x248.png&w=3840&q=100) Peru ![Turkey](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdf970baa1d897294ec4f24016380044bfcff83d4-248x248.png&w=3840&q=100) Turkey ![Italy](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdeec567f98980300797dc5d3289e6f9feea893b4-248x248.png&w=3840&q=100) Italy ![Netherlands](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F42a951d63f3cae076aadc263b8170ffba5bc7382-248x248.png&w=3840&q=100) Netherlands ![Poland](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5d0d52d6cb9865354cfb186dce95fa42635669ac-248x248.png&w=3840&q=100) Poland ![Europe](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F8a08807a6fa49c9cedb371c067dd9cae98e24852-248x248.png&w=3840&q=100) Europe FAQs Frequently asked questions What is Payee Verification? Payee verification is a security control that checks whether the name entered matches the actual bank account holder’s name before a payout is sent. Also known as Confirmation of Payee (CoP) or Verification of Payee, it helps prevent fraud, misdirected funds, and payment failures by confirming the recipient’s identity upfront. How does it work in real-time? When you enter a payee’s bank account details, the information is securely transmitted via API to Finmo’s banking partner network. The submitted name is compared against available bank records, and a verification outcome is returned instantly. Possible outcomes include: Match, Partial Match, No Match, Matching Failed. Finance teams can then review the result before authorising the payout. Will this slow down the payouts? No, verification takes place before the payout is initiated and happens in real time. It adds no friction or delay to the payment process. Instead, it prevents failed transactions and misdirected funds, reducing rework and operational disruption. ## Contact us Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get in touch](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/hk/product/payments/local-and-cross-border-payments/confirmation-of-payee#) Reject AllAccept All ## Global Multi-Currency Account Global multi currency account # Collect like a local Receive international business payments, hold multiple currencies and execute cross-border transfers from a single global business account. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F43ac5abe2f5a19f041accf4da605f7cae9589db0-1200x1350.webp&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/9f6f318be69d5714c1a99f5b2ceb7f15fc0392fe-547x656.svg) Receive international business payments ## Customer-first collections Collect payments from customers in 40+ currencies using local account details and trusted global payment networks. Your global currency account lets you invoice payments worldwide and receive funds directly into named business accounts, without relying solely on correspondent banking routes. ![](https://cdn.sanity.io/images/3m8qrzh6/production/3760cfae9af04cf3ffc02a26f9937a4ddd22b313-547x656.svg) Multi currency balances ## Hold multiple currencies in one business account Collect, hold and manage multiple currencies within a single multi currency business account. Maintain real-time visibility of balances, transactions and cross-border transfers through your Finmo Connected Dashboard. Ways to collect ## Flexible ways to receive international business payments Offer customers multiple ways to pay while collecting funds directly into your global multi currency business account. However you choose to collect, it's smooth and simple for your customer, and you. [Checkout](https://www.finmo.net/product/payments/global-multi-currency-account#checkout) [Subscription Payments](https://www.finmo.net/product/payments/global-multi-currency-account#subscription-payments) [Direct Debits](https://www.finmo.net/product/payments/global-multi-currency-account#direct-debits) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F40d265ee66b3fa175e446af568b369dae8da8536-1094x1312.webp&w=3840&q=100) Checkout ## Frictionless and flexible checkouts Create branded checkout experiences that feel like part of your store. Drive high conversions with payment options that adapt to different local payment preferences and smooth customer-focused UX that scales for repeat purchases. Offer fast conversion-focused customer flows—optimised for mobile Secure authorisation with built-in SCA tokenisation and fraud protection Integrate new payment methods which dynamically adapt to local preferences Hosted Checkout Launch payment pages instantly Create branded checkout pages instantly with no coding and no website needed. Accept payments in multiple currencies across different channels using one-off, or reusable, QR codes and payment links. ![](https://cdn.sanity.io/images/3m8qrzh6/production/dad26694588b4adc8edd154a3c445e18f850e481-547x360.svg) Embedded Checkout Embed payments directly into your platform Integrate checkout directly into your website or product for a fully branded international payments experience. Support multi currency pricing and local payment methods within a secure, responsive environment. ![](https://cdn.sanity.io/images/3m8qrzh6/production/2468737a7e3d38cba71bcf009d41541e7ce0ad07-547x360.svg) Subscription payments ## Simple off‑plan subscription payments Manage the complete customer collection lifecycle for regular or recurring subscription payments – across multiple countries. Offer flexible fixed-price or usage-based plans with multiple payment options – including cards, wallets, and bank transfers. And maintain full control over billing frequency and duration. Apply plans across multiple customers – ideal for recurring services or SaaS-style billing. Automate retries and cancellations – failed payments are automatically retried, and customers can cancel anytime. Stay informed with webhooks and notifications – for payment successes, failures, or cancellations. Direct debits ## Accept cross‑border direct debits payments Support direct debit payments into your foreign currency account across 180+ countries. Let customers easily set up and make regular payments with their local card – without you incurring expensive conversion costs. ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) FAQs Frequently asked questions How can we receive international business payments at scale? Finmo enables businesses to receive international payments at scale through a single global multi currency account. You can collect in local currencies across supported markets, consolidate funds centrally and manage cross-border transfers without opening multiple bank accounts. Can we collect and hold multiple currencies in Finmo's multi-currency business account? Yes. Finmo’s multi currency business account allows you to collect and hold multiple currencies within a single global currency account. Funds can be retained in their original currency and converted only when needed. What is the best way to centralise global collections across markets? The most efficient way to centralise global collections is through a unified global payments solution that supports local payment methods, multi-currency balances and cross-border transfers within one platform. Finmo consolidates international collections, FX management and outbound payments into a single infrastructure. How do we reduce FX costs and conversion friction when collecting internationally? Finmo allows you to receive funds in local currencies and hold balances without immediate conversion. By reducing forced FX and routing payments through local rails where available, businesses can lower cross-border transfer costs and improve margin control. Is a Finmo's global multi currency account secure and regulated? Finmo is regulated in seven markets, and client funds are safeguarded in accordance with applicable regulatory requirements. Funds are held separately with trusted financial institution partners and are never used for operational purposes, ensuring secure and compliant international collections. ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/payments/global-multi-currency-account#) Reject AllAccept All ## Startup Finance Solutions ![](https://cdn.sanity.io/images/3m8qrzh6/production/6762bb04e2499085fe165cc5ba39e4eb0d969167-32x32.svg) Get US$555 in transaction fee credits when you activate payments. [T&Cs apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions). Built for Startup CFOs & Founders # Your startup moves fast. Your finances should keep up. Stop switching between bank portals, spreadsheets, and payment tools. Connect your accounts, see your global cash position instantly, forecast runway in real time, and activate global payments when you're ready. [Get started for free](https://dashboard.finmo.net/signup) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ffbb5d93be5b37fd6c319f87240f0b7b9a6d10c77-5356x2780.png&w=3840&q=100) Trusted by APAC finance teams - ![handshake](https://cdn.sanity.io/images/3m8qrzh6/production/3355be850b5e6be3891068ae9e8d8e5b8fbe5775-215x131.svg) ![Finiqly](https://cdn.sanity.io/images/3m8qrzh6/production/4cfa3573a45d559ea413bfbf3eadb57e6fb8f30e-308x260.svg) ![AppHaru](https://cdn.sanity.io/images/3m8qrzh6/production/3f680677463fd3d0fb174cda7951049e7a8c612f-309x260.svg) ![Auptimate](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F21fd29f5c120e42607fa77c0052e516433b8c153-410x260.png&w=3840&q=100) ![Gank](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F5da7e2b06221c91168a9478279f1673e7736d3b2-304x260.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/2f118368c2adf1c4eb7169c577dee68079ed705d-547x656.svg) Startup finance reality ## Stop running your startup on financial guesswork Most early-stage teams manage finances across disconnected tools. • Bank balances in multiple portals • Forecasts buried in spreadsheets • Payments handled in yet another system When every answer requires manual work, you lose the one thing startups can’t afford to waste: time. Finmo brings your financial data together so you always know where your cash sits, how long your runway lasts, and what decisions you can safely make next. How modern startups operate finance ## From visibility to global payments Start with cash clarity. Scale into automation. Activate global payments when you're ready. Connect your financial ecosystem Smash the silos Connect bank accounts, payment systems, accounting software, and ERPs for an always-on, automatically synced financial view, across every entity and currency. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F692f4c20519128f530db01bc3e0ccb614d669062-2188x1188.png&w=3840&q=100) Cash visibility See your global cash position instantly Get a consolidated view of balances, receivables, and transactions in one dashboard. Track cash in real time and forecast flow with complete clarity. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F097dd58a47a6ab4a7fe9b8035cd100c4f14d86a8-2188x1427.png&w=3840&q=100) Cash forecasting Plan 13 weeks ahead Generate rolling 13-week cash forecasts with scenario simulations. Model burn, revenue shifts, and FX impact before making critical decisions. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F4032418596ec7c5fdef2f1adf342c8f77c0a14cc-2188x1188.png&w=3840&q=100) Global payments, simplified Simplify global payments Collect in 30+ currencies, manage FX seamlessly, and pay out to 180+ countries from one unified platform. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Ff67f1c604e7605ee97cf21fd39979362d02ead71-2184x1324.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9b4c8ae661637c17069e5b6de580149d0aa73eb3-2188x2624.png&w=3840&q=100) Limited-time offer ## Get US$555 in transaction fee credits Your first international payments through Finmo should cost you nothing. Open your multi-currency business account. Collect in 30+ currencies. Pay to 180+ countries. The moment you activate payments and transact within 4 weeks. [T&C apply](https://www.finmo.net/cashflow-kickstart-promotional-offer-terms-and-conditions) No minimum balance. No setup fees. No reason to wait until next quarter. Trusted by scaling startups ## What businesses are saying about Finmo High-growth companies rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://cdn.sanity.io/images/3m8qrzh6/production/71ca29ee37acb2a6b28a8c311b486301c376db52-1094x1312.svg) Security & compliance ## Enterprise-grade infrastructure for startups As your company grows, financial infrastructure matters. Finmo operates under globally recognised security and compliance standards so you can manage global payments and financial data with confidence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/512ad194ee55228d4c477e46b2559a1a0c6de0f5-200x77.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fb3dfab66d812cc6b64e7b92a9cdd8fc9547c7950-97x97.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) 8 licenses globally - ![Dubai](https://cdn.sanity.io/images/3m8qrzh6/production/ffe0c24d4d99127089b6c08a097a9a9c09554307-50x50.svg) Dubai ![Australia](https://cdn.sanity.io/images/3m8qrzh6/production/696b22996d71b19c75cf1293baccd07092bcf8b3-50x50.svg) Australia ![USA](https://cdn.sanity.io/images/3m8qrzh6/production/80330e9cd303cfe29157e7ff53ef248f53cfc179-50x50.svg) USA ![United Kingdom](https://cdn.sanity.io/images/3m8qrzh6/production/f5e22a70ad316661ca1aa78217c9ea3059cd9975-50x50.svg) United Kingdom ![New Zealand](https://cdn.sanity.io/images/3m8qrzh6/production/89f222aac5b8a3d574b7c917b9c60e1c6078db94-50x50.svg) New Zealand ![Canada](https://cdn.sanity.io/images/3m8qrzh6/production/ced075f60bbfe42914a7e3482b834a37b0bb8be9-50x50.svg) Canada ![Singapore](https://cdn.sanity.io/images/3m8qrzh6/production/e9879942e58cdf99513dd2d93a92741fd67e7be0-50x50.svg) Singapore ![Hong Kong](https://cdn.sanity.io/images/3m8qrzh6/production/ef90f36d2592fa13670a8473915bda09b7d19d4c-28x28.svg) Hong Kong FAQs Frequently asked
questions Is my company's money safe with Finmo? Finmo holds the required licences and registrations in 8 countries — including Singapore (MAS), Australia (ASIC), the UAE (DFSA), the UK (FCA), and the US. We are PCI DSS, SOC2 Type II, and ISO 27001 certified. Your funds are safeguarded in accordance with the regulatory requirements of each jurisdiction. How long does it take to open an account and make my first payment? Account opening takes minutes. Most startups complete their first international payment within the same day. There is no minimum balance requirement and no legacy onboarding process. We already use Wise and a local bank. Why do we need Finmo? Wise moves money. Your local bank holds it. Neither shows you the real-time impact of every transaction on your consolidated cash position across currencies. Finmo does all three, and because payments and cash intelligence are the same product, every transfer you make instantly updates your dashboard. No manual reconciliation. No gap between what moved and what your numbers show. Do I need to replace all my existing banking relationships to use Finmo? No. You can connect your existing bank accounts to Finmo for visibility and use Finmo's multi-currency account for international collections and payments. ## Reclaim financial control today [Get started for free](https://dashboard.finmo.net/signup) [Watch walkthrough](https://youtu.be/UW_kbYhvG0g) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/solutions/startups#) Reject AllAccept All ## Connected Financial Dashboard Connected dashboard # Financial command
and control Connect all your bank accounts, ERPs and accounting software to create one powerful financial command centre. Watch demo ![](https://cdn.sanity.io/images/3m8qrzh6/production/a7db5c4a30bb77b72fadc1545cbb9be7298ff8d9-600x675.svg) 2000+ Bank Integrations Licensed in 8 jurisdictions Collect in 30+ currencies, pay to 180+ countries SOC 2 Type 2 · PCI DSS · ISO 27001 Forbes 100 to Watch, CB Insights, SME500 singapore award winner Connected dashboard ## One dashboard
to do it all No more logging into multiple accounts, softwares and spreadsheets. From checking balances to making payments to managing FX – see and do it all in one dashboard. API Integrations Smash the silos Get fragmented systems – even across different entities – speaking to each other. Connect bank accounts, payment systems, accounting software and ERPs for one always-on, automatically-synced view. ![](https://cdn.sanity.io/images/3m8qrzh6/production/5b9f83c5ba6b3c1b3ba449e7236cefc49679d63b-547x310.svg) Realtime data sync Unite your data No more fetching, cleaning and reconciling numbers. With all your systems integrated, disparate financial data becomes connected and contextual real-time intelligence. ![](https://cdn.sanity.io/images/3m8qrzh6/production/d37c96b4868c98e8a4e578bd73ec3762eb8992e1-547x310.svg) Cash visibility See the big picture Get a complete view of your balances, receivables, and transactions. Track and forecast cashflow confidently with consolidated cash visibility in one dashboard. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F3028f961f4da0c31947fac30202b496d1212e146-1094x1040.webp&w=3840&q=100) AR & AP Automations Automate the grind Replace manual invoicing and payments with intelligent workflows that streamline and automate AR / AP, and reconcile it with your accounting systems. ![](https://cdn.sanity.io/images/3m8qrzh6/production/89aae6c74a2dee39eb1c049019a4489faaa19339-547x310.svg) Integrated Payments One-touch transactions Use Finmo’s global payment network to make payments across the world with a single connection. Or make frictionless payments via the Finmo dashboard without having to log into your bank at all. ![](https://cdn.sanity.io/images/3m8qrzh6/production/576559053cdd913c856331d6da709f8d8aa86b30-547x310.svg) FX and investments Optimise for tomorrow Drive future value creation using forecasting and analysis to optimise working capital, reduce FX risk and invest surplus cash. ![](https://cdn.sanity.io/images/3m8qrzh6/production/012ae728e6ab2150c568bae57434165372b3dfc3-547x310.svg) AI co-pilot Need-to-know? Ask MO. Find answers fast with MO AI, our specialist fin-ops co-pilot. Ask questions, get insights, make forecasts and take action using text or with simple voice-based requests. ![](https://cdn.sanity.io/images/3m8qrzh6/production/c735e297f517049c016c53e1331ad023b8a51781-547x310.svg) Easy API integrations ## Connect everything everywhere Forget old-fashioned treasury systems with labour-intensive custom integrations – Finmo works with any finance stack. Smoothly connect banks, accounting systems, and ERP softwares via our easy-to-use APIs with minimal implementation time. For founders Banks and Payment Systems integration Connect your existing accounts via API or manual upload to get a consolidated view across every bank account and payment system at a group or entity level. Key features All Accounts in One View: Aggregate balances and transactions across banks and payment systems without switching between portals. Flexible Views: Switch between a consolidated company-wide view or drill down to individual accounts. Multi-Currency Visibility: Track balances in local currencies or view everything in a single display currency. Granular Control: Decide which accounts to sync and monitor. ERP & Accounting Software integration Connect directly with your ERP and accounting software to keep cash data and payments in sync in real time. No more manual uploads or delays. Key features Seamless Data Exchange: Instantly share data between your ERP/accounting systems and Finmo. Receivables Management: Automatically pull open supplier invoices into Finmo for payment scheduling. Automated Payments: Approve and send supplier payments at maturity directly from Finmo. Reconciliation Made Easy: Post cleared items back into your ERP for faster, cleaner reconciliation. ## Make the invisible, visible Get real time visibility of your payables, receivables and cash position. [Cash visibility](https://www.finmo.net/product/cash-visibility) ## Try Finmo’s treasury dashboard today Sign up to explore our dashboard for yourself.
Or book a demo to talk things through with our team. [Get started](https://dashboard.finmo.net/signup) [Book a demo](https://meetings-na2.hubspot.com/finmo/sales?uuid=fb4d9ace-2611-4af8-acf9-cf92d4384bea) ## Cookie Consent This site uses cookies We use cookies to enhance your browsing experience, serve personalised ads or content, and analyse our traffic. Find out more about our [Privacy Policy](https://www.finmo.net/privacy-policy). [Manage your preferences](https://www.finmo.net/product/connected-financial-dashboard-backup#) Reject AllAccept All ## FX Management Platform For importers & exporters # Know what FX is costing you before you pay Your bank won't show you how much you're losing on every supplier payment. Connect your accounts, see exactly what FX is costing you, and act before your margin leaks. [See FX exposure now](https://dashboard.finmo.net/signup) [Speak to us](https://meetings-na2.hubspot.com/finmo/speak-to-our-team) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fc20b79b58c253a09e69cfcdde356232325c6f137-5356x2820.png&w=3840&q=100) Works with your banks - ![DBS](https://cdn.sanity.io/images/3m8qrzh6/production/3fd86392dc0a6e2520c09126619e970b4a1e4050-200x130.svg) ![HSBC](https://cdn.sanity.io/images/3m8qrzh6/production/89994a56c7fbcfcd7036581e24e7dfc2dac3584b-200x130.svg) ![OCBC](https://cdn.sanity.io/images/3m8qrzh6/production/26aa697fe0a4bc2207dd687a0ab8b614003ca454-200x130.svg) ![UOB](https://cdn.sanity.io/images/3m8qrzh6/production/eaa5617d2f7b80662045001f9c7bbba68d32094c-200x130.svg) ![WISE](https://cdn.sanity.io/images/3m8qrzh6/production/80ee525abb646becb2049b85ba0b7f4e1edf0f3a-200x130.svg) ## Gain full financial control with one platform ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fbf7471cf119df2a62cf1d4015a7918987529767a-5360x3020.webp&w=3840&q=100) Manage FX risk ## See your FX exposure & protect your margins Connect all your business bank accounts and map every outgoing payment to its currency exposure. See what you owe, when it's due, and what FX is costing you in real time. Multi-bank visibility DBS, HSBC, OCBC, ANZ, and all major banks in one view, updated in real time. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fd55e76fffa3c9f35dfbf5618fb2b54f4e348a61f-2188x1188.png&w=3840&q=100) 13-week cash forecast Rolling forecast of inflows and outflows by currency, tied to your actual bank data – not spreadsheet guesswork. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F550a9b524c90aee53a625b8bec76852bce0d9638-2188x1188.png&w=3840&q=100) FX exposure by supplier See which invoices carry currency risk and how rates have moved since they were issued. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F43772ff23d8dea0884b48cf989d5a2de247741dd-2184x1324.png&w=3840&q=100) Pay suppliers in 180+ countries Get the most competitive FX rates via institutional liquidity with no hidden bank spreads. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F90f42f60ef816224920b304f8527c5af64de9de7-2184x1324.png&w=3840&q=100) Xero sync Payments flow straight into your books, with no need for manual reconciliation, ever. ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fdeefdeb5f39a008ee73d5257708a0344cc44cd70-2184x1324.png&w=3840&q=100) Full control of global trade finance ## Control every stage of global trade finance Connect your banks Link DBS, HSBC, OCBC, and most major banks. Your money won't move without your approval. See your exposure Map your open payables to currencies and see your total FX exposure in real time – by supplier, currency, and due date. Forecast your cash Perform a rolling 13-week forecast built from your real-time bank data so you can see what you need, when, and in which currency. ![](https://cdn.sanity.io/images/3m8qrzh6/production/6a90a6c54d6488da533c7ee6e2cb464f13f7a680-34x34.svg) Pay when you're ready Execute supplier payments at competitive rates from the same platform.
Straight into your accounting software [Take control now](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/fd8b90566033ccd21db84e1adb779dfa97e9d70a-547x656.svg) Enterprise-grade security & compliance ## Trusted by global importers & exporters Read-only bank connections: We don't move your funds unless you say so. Licensed across 8 jurisdictions including Singapore, Australia, the US, New Zealand, and Canada. SOC 2 compliant: Bank-grade encryption. We do not sell your data. [Get started free](https://dashboard.finmo.net/signup) ![](https://cdn.sanity.io/images/3m8qrzh6/production/188111c4ee96748a3c06f2c485f00d3fe6f8017d-152x70.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F9860df29abc9309ee8bbb9487bd4bf211cc064d7-200x200.png&w=3840&q=100) ![](https://cdn.sanity.io/images/3m8qrzh6/production/7460fd19ce96f285f9ea727023bc3206993f52d3-70x70.svg) ## What businesses are saying about Finmo Companies trading globally rely on Finmo to unify cash visibility, forecasting, and global payments in one platform. > We needed a flexible and reliable payment solution, and Finmo delivered. Beyond exceptional service, Finmo actively listens to customer feedback, continuously innovating to build a more seamless financial future.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate ![](https://cdn.sanity.io/images/3m8qrzh6/production/d493c18baebdc3ec3117b2b90a465994bfeecdf9-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2Fe784a4e67b49af709ab52a4b5b7d43de51c2a3ad-210x210.webp&w=3840&q=100) Oliver Too CEO, Auptimate > Completely transformed the way we manage our international transactions. With Finmo everything is streamlined, efficient, and reliable. The user-friendly platform makes it easy to send payments in multiple currencies” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal ![](https://cdn.sanity.io/images/3m8qrzh6/production/d6565960cfb5e21a150d0d085a52554e99cc2763-434x265.svg) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F73a62b182b5826d34fa4b15aea39f2a90bb5c8fe-462x462.webp&w=3840&q=100) Abdifatah Adam Director, Bakaal > Finmo simplified collections, improved reconciliation, and enabled us to better serve parents and institutions. It’s been a seamless experience working with a team that truly understands modern payments.” ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F6eb6bda90da76550e2e90d52813a5275255279c2-328x328.webp&w=3840&q=100) Piew Yap CEO, Nexpay ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qrzh6%2Fproduction%2F37eba38e69eeb475adb1837bcdbd3455724ec5e2-434x265.png&w=3840&q=100) ![](https://www.finmo.net/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2F3m8qr