In the panorama of the digital financial solutions that characterize the 2026, understand how Flowe works represents a fundamental step for anyone wishing to combine money management with a positive impact on the planet. Flowe is not simply a “bank in an app”, but a real ecosystem designed to promote what is called the BetterBeing Economy. In a time when environmental awareness has become a global priority, this electronic currency institution (part of the Mediolanum Banking Group) stands out for its ability to transform every daily operation — as a simple purchase at the supermarket or a transfer — into an action that promotes sustainability and personal growth. Through the use of cutting-edge technologies and transparent communication, Flowe redefined the concept of “smart banking”, making it less cold and more human. The platform offers an account with Italian IBAN, a Mastercard debit card (virtual or wood physics) and a series of integrated tools for automatic savings and carbon footprint monitoring. If you are looking for a way to manage your finances ethically, without sacrificing the convenience of digital, this guide will explain to you in detail every single feature, from the costs of different floors to how to plant trees simply by using your card for everyday expenses.
Flowe's plans and costs in 2026: what to choose?
Before deepening technical functionality, it is essential to understand the structure of costs and the different profiles that Flowe makes available to its users. Flexibility is one of the pillars of the platform, which allows you to move from one floor to another according to your financial and life needs. In 2026, the distinction between Fan, Flex and Friend profiles has become even more clear, offering increasing advantages not only in terms of banking operation, but also of environmental impact. Choosing the right plan means balancing your monthly spending needs with the desire to actively participate in CO2 reforestation and compensation projects promoted by the company. Each plan is designed for a specific target: from the young student looking for a zero fee account, to the professional who wants to maximize the benefits of sustainability and refunds on online purchases.
Fan plan and Flex plan: the entry into the Flowe world
The Fan plan represents the free entry door to the Flowe universe. This is a zero fee account that includes an Italian IBAN and a Mastercard virtual debit card, ideal for those who mainly make online purchases and do not need a physical card. With the Fan plan, users have access to basic services such as free SEPA transfers and two ATM withdrawals per month in euro without fees. Although it is the most essential profile, it still allows you to start exploring the sections dedicated to personal growth and savings management through the “Drop”. However, for those who want greater operation, the Flex plan offers an ideal compromise at the cost of approximately €2.50 per month. This profile unlocks the possibility to request the famous natural wood physical card and increases the maximum balance limits up to 25,000 euros. The Flex plan is particularly suitable for those who want to actively view their CO2 production linked to purchases and want more advanced savings tools, such as creating multiple shared spending groups and accessing exclusive bonuses on Amazon vouchers, making the monthly cost easily dammable through the economic benefits obtained.
In addition to the structural benefits, Fan and Flex plans stand out for the ease with which they manage the daily budget. In the Flex plan, for example, commissions on refills made through other debit cards are reduced, and the first charge of the month is always free. This encourages dynamic use of the account, allowing you to move liquidity in real time without suffering excessive costs. A fundamental element to consider is accessibility: if you use a promotional code as ARANZULLA during the recording phase, you can often benefit from free months of Flex plan or PLA paper (biodegradable polylactic acid) without emission costs. This shows how Flowe constantly encourages the adoption of virtuous behaviors, rewarding new users with tangible benefits from the first moment. Remember that security is guaranteed by the Mastercard protocols and that each operation is monitorable in real time via push notifications on your smartphone, ensuring total control over your finances.
The Friend Plan: the premium and sustainable experience
For those who do not accept compromises, the Friend plan is the most complete solution proposed by Flowe. At the cost of 10 euros per month, this profile transforms the user into a real “ambassador” of sustainability. The main advantage, which largely excuses the canon, is the EcoBalance feature: Flowe automatically estimates the CO2 produced by every purchase made and provides its compensation by planting trees, up to a maximum of 3,000 kg of CO2 annually per user. From a purely banking point of view, the Friend plan eliminates almost every limit: ATM withdrawals are free and unlimited worldwide and in any currency, the account charges are always free and the maximum balance is up to 75,000 euros. This makes it suitable for use as the main account for managing important salaries and family expenses. In addition, the possibility of creating infinite “Drop” savings and spending groups allows a granular and precise financial planning.
Another exclusive aspect of the Friend plan concerns direct economic benefits. Users who choose this profile have access to cashback percentages and bonuses on coupons (such as Amazon) far higher than other plans, often without limits of amount. This means that, for an active user who makes many online purchases or gift card refills, the canon of 10 euros can be totally removed from the generated savings. In addition, the Friend plan includes the possibility to apply up to 5 Flowe Junior cards, perfect for educating children to responsible money management and sustainability values from children. In summary, choosing the Friend plan means joining a conscious elite that uses technology not only for convenience, but as a systemic change tool, while benefiting from the best economic conditions Flowe can offer in 2026.
Sustainability and BetterBeing Economy: the heart of Flowe
Understanding how Flowe works means immersing yourself in a philosophy that goes beyond simple banking. The company is a Certified B Corp, which means it meets the highest standards of social and environmental performance, transparency and responsibility. The “BetterBeing Economy” is the concept around which the entire user experience revolves: the idea that individual well-being is closely linked to the collective well-being and health of the planet. In a world where digital transactions are often perceived as intangible and without consequences, Flowe brings attention to the physical impact our economic choice produces. This is done through strategic partnerships with realities such as Doconomy and ZeroCO2, which allow to quantify and neutralize the ecological footprint of each user in a scientific and transparent way.
Compensation of CO2 and wood paper
One of the most iconic features of Flowe is undoubtedly its natural wood debit card. It is not a simple aesthetic vezzo, but a precise choice to reduce the use of virgin plastics. Each card is made with wood from forests managed responsibly and certified to ensure the minimum environmental impact during production. But the commitment does not stop to the physical object: thanks to the collaboration with the startup Doconomy, Flowe integrates in the app a system that analyzes your transactions and estimates the grams of carbon dioxide emitted for each purchase, based on the type of expenditure carried out. For example, a petroleum expense will have a different estimated impact than a purchase in the library. This awareness is the first step towards a change in consumption.
The second step is direct action through ZeroCO2. For each required wood physical card, Flowe plant a tree in a reforestation project. These trees not only serve to capture carbon, but also support the local economy by providing food and work to rural communities where they are planted. Through the app, users can monitor the growth of their tree, receive photos and updates, making tangible the contribution given to the environment. This approach transforms the account holder from simple consumer to active participant of a global project. In 2026, this integration between finance and the environment has become the standard of reference for those seeking consistency between their personal values and financial instruments that it uses daily.
Arcadia system: badge, gems and gamification
To make the path towards sustainability less heavy and more challenging, Flowe introduced Arcadia, a gamification system that rewards virtuous behavior. Through the app, users can earn badges and “gemme” by doing positive actions: make a number of steps a day, read the training content in the MeWe section, or invite friends to join the community. This approach transforms money management and personal improvement into a kind of role play where each achievement goal brings real benefits. The accumulated gems are not simple virtual points, but can be converted into gift cards, exclusive discounts in Flowe Bazar or donated to support additional environmental causes. This system encourages the user to interact daily with the application, creating a positive habit related to physical and financial well-being.
- Badge Discovery: You get by exploring the different areas of the app and using functions like money exchange.
- Badge Better Me: linked to personal growth courses and achieving goals of physical activity.
- Gemme: the virtual currency of Flowe, obtainable by completing challenges or through the system of "port a friend".
- Bazar: the internal store where to spend gems to get sustainable vouchers and products.
How to open a Flowe account: step by step
If you're wondering how Flowe works at the operational level, know that the opening of the account is one of the most fluid and rapid processes available today on the market. Being a purely digital bank, you don’t have to go to any physical branch; all you need is a modern smartphone (Android or iOS), a stable internet connection and a valid identity document. The procedure was optimized in 2026 to take less than ten minutes, thanks to the use of artificial intelligence systems for document recognition and integrated digital signature that eliminates the need to print or scan paper documents.
Preparation and initial data entry
The first step is to download the official app from the store of your device. Once you start, you will be guided through a series of presentation screens that illustrate the values of the BetterBeing Economy. By pressing on “Registers”, you will start the data entry path. You will need to provide your mobile number, which will be verified through an OTP code sent by SMS, and your email address, also verified through a link or code. It is at this stage that you can enter the promo code ARANZULLA to unlock the exclusive benefits we talked about. Next, you will set a 5-digit passcode and, if your smartphone allows, you can activate the biometric recognition (Face ID or Touch ID) for future access, greatly increasing your account security.
After accepting the terms and conditions and viewing the privacy policy, you will have to proceed with legal identification, an obligation provided by anti-money laundering regulations. Flowe will ask you to take a front and back photo of your document (identity card, license or passport). The system is able to automatically read the data via OCR and NFC technology; if you have an electronic ID card (CIE), it will be enough to support it at the back of the phone to further speed up the practice. This step is crucial: make sure you take photos in a well-lit environment, avoiding reflections that could make the data unreadable and cause delays in approving the account by the Flowe Verification Team.
Video-selfie and final activation
One of the most modern aspects of the opening process is the recording of a short video-selfie. This step is to confirm that the person who is opening the account is the same present on the documents uploaded. The app will ask you to perform simple movements with your head or to pronounce some figures. Don't worry, it's a standard and very fast procedure. Once you have completed the video, you will have to answer a short mandatory questionnaire regarding your employment, the origin of your funds and your tax residence, in accordance with FATCA/CRS. This information is treated with maximum confidentiality and is only used for bank compliance.
- Download the Flowe app and press on "Registers".
- Check phone and email and enter the ARANZULLA promo code.
- Upload photos of your identity document (CIE, license or passport).
- Run video-selfie for identity verification.
- Sign the contract digitally through the code received via SMS.
Revenues and payments: managing liquidity with Flowe
Once the account is activated, it is essential to understand how Flowe works with regard to placing and withdrawing money. Being equipped with an Italian IBAN, the Flowe card behaves like a real full current account, allowing you to receive the salary, credit the pension or receive transfers from friends and relatives. Liquidity management is designed to be instantaneous: in many cases, the money shifted to Flowe is available in seconds, allowing you to deal with unexpected expenses or take advantage of online flash offers without extensive bureaucratic expectations.
Methods to recharge your account in real time
There are several roads to recharge your Flowe account, each with different speed and cost characteristics. The most classic method is the SEPA transfer: just share your IBAN (which you can find in the Profile section of the app) and accreditation will happen in standard banking times, usually one or two working days. However, the true force of Flowe lies in the immediate reloads through other debit or credit cards. By accessing the “Cash In” section, you can connect a card from another bank and transfer funds instantly. As we have seen, the first monthly recharge of this type is often free, while the next can provide a small commission depending on the chosen plan (Fan, Flex or Friend). This tool is perfect for those who use Flowe as a “second account” dedicated to daily expenses or travel.
Another highly appreciated function is the demand for money between Flowe users (the so-called Flome). If you’re at dinner with friends and you need to split the account, you can send an instant request to your contacts in the column using the app. Once the friend accepts, the money is transferred to your balance in real time and at no cost of commission. This P2P payment system (Peer-to-Peer) makes Flowe extremely social and useful for managing small common expenses, eliminating the need for cash or complex exchanges of bank coordinates for irresistible figures.
Online payments, in stores and Google/Apple Pay
The Flowe card, both virtual or physical, belongs to the Mastercard circuit, which guarantees acceptance in millions of stores worldwide and on almost all e-commerce sites. For online purchases, the app provides all the necessary data (paper number, expiry and CVV) in a section protected by code or biometry, allowing you to shop safely. In addition, you can generate disposable virtual cards or put the card in “pause” with a simple switch if you are afraid of losing it, ensuring superior protection than traditional cards. Mastercard's 3D Secure technology adds additional security level, requiring app authorization for any suspicious or high transaction.
As for physical stores, Flowe is fully compatible with Apple Pay and Google Pay. This means you don’t have to bring your physical card with you; you just have to approach your smartphone or your smartwatch to the contactless POS to complete your purchase. This mode is not only convenient, but also safer, since the actual card data is never shared with the exercising. If you prefer to use the physical wood paper, this works exactly as a traditional card, with the support for both the insertion in the chip and contactless technology. In 2026, paying with Flowe also means receiving immediate notifications that indicate not only how much you spent, but also the ecological impact of that specific transaction.
Saving and well-being: Drop and Growth Paths
One aspect that makes unique how Flowe works is his attention to 360 degree wellness, which includes both financial and mental and professional health. The app doesn’t just show you how much you spend, but it actively helps you save and invest on yourself through exclusive content and automation tools. This approach is perfect for those who have ambitious goals but struggle to maintain the discipline necessary to achieve them, transforming savings from a stressful duty to a rewarding and automated activity.
Saving drops and spending groups
The “Drop” are real virtual Salvadorans within your Flowe account. You can create different ones, each dedicated to a specific goal: a trip, the purchase of a new laptop, or an emergency fund. The beauty of Drops lies in their flexibility and automation options. You can set up recurring provisions (e.g. 10 euro each Monday) or, even better, activate the rounding of expenses. With this last function, if you spend 4.20 euros for a coffee and a croissant, Flowe will roll the spending to 5,00 euros and will automatically move the 0,80 euros of difference in your favorite Drop. It is an incredibly effective way to save without almost realizing it, accumulating small sums that over time become significant.
In addition to personal Drops, Flowe allows you to create shared spending groups, ideal for roommates, couples or groups of friends who are planning a business together. Each participant can pay their share in the group and the common expenses can be paid directly from that fund. This eliminates the confusion of “who owes what to whom” and guarantees total transparency. In 2026, collective cash management became a fundamental requirement, and Flowe responds with a simple and intuitive tool that promotes shared collaboration and responsibility, in line with the principles of BetterBeing Economy.
Personal growth with GoodLuck Creators
Flowe’s MeWe section is perhaps the most part of a traditional bank. Here you will not find complicated stock charts, but video courses and training pills held by GoodLuck Creators. These influencers, experts and “common people” who have achieved success in their areas and share practical advice on how to improve their professional and personal lives. The themes range from time management to physical well-being, from mindfulness to everyday sustainability. This function transforms the banking app into a growing partner, encouraging the user to devote time to their training.
"The real estate is not just what you have in the bank, but what you are able to build within you."
Following these courses is not only useful for your culture, but rewards you within the Flowe ecosystem. Video visualization and completion of training modules unlock Arcadia badge and gems, which as we have seen can be converted into real prizes. It is a virtuous circle: the more you learn, the more you grow, the more you are rewarded by the app. This holistic approach demonstrates how Flowe intends finance as one of the many dowels that make up a person's well-being, and not as an isolated and purely numerical element.
Frequently Asked Questions about Flowe (FAQ)
In this section we answer the most common doubts that users place when they start exploring how Flowe works 2026. Given the innovative nature of the service, it is normal to have questions about safety, specific costs or how to interact with the environment.
Is wooden paper as durable as plastic paper?
Absolutely. Despite being made of natural wood from certified forests, Flowe paper is designed to last years and withstand daily wear. Inside, however, it contains the necessary electronic circuits, the antenna for contactless and magnetic band, protected by bio-compatible protective layers. It is designed not to thrive even if it accidentally enters into contact with water, keeping intact its elegance and functionality throughout the validity period indicated on the paper itself.
How can I withdraw cash with Flowe?
You can collect cash at any ATM counter that accepts the Mastercard circuit, both in Italy and abroad. The costs depend on your plan: the Friend plan offers unlimited free withdrawals everywhere, while the Fan and Flex plans have outdated monthly allowances which apply a small commission. Remember that thanks to compatibility with Apple Pay and Google Pay, in many new ATMs you can withdraw even without physically inserting the card, simply using your smartphone or smartwatch.
What happens if I lose my smartphone or card?
Security is a top priority for Flowe. If you lose your card, you can instantly pause it via the app on another device or by contacting assistance; this will block any transaction attempt. If you lose your smartphone, your account remains protected by passcode and biometric systems. You can access your account from a new device and disassociate the old one in seconds. In addition, Flowe adheres to Mediolanum Group protection systems, ensuring high-level banking security standards.
Can you use Flowe to receive your salary?
Yes, of course. Being equipped with a standard Italian IBAN, you can communicate the coordinates of your Flowe account to your employer for the accreditation of the salary. This operation is totally free for all floors. Receiving the salary on Flowe allows you to have a clear view of your revenue and immediately set automatic savings drops as soon as funds become available, helping you better manage your monthly budget and achieve your financial goals faster.
How are the trees planted?
Trees are planted through partnership with ZeroCO2 in high social impact reforestation projects, mainly in areas such as Guatemala or Italy. It is not only a matter of planting a seed, but of following the tree in its phases of growth and entrusting it to communities of local farmers who support it. Each user can see the location of their tree and receive photo updates. This ensures that environmental action is real, traceable and brings a lasting benefit to both the ecosystem and the people who live there.
In conclusion, understanding how Flowe works in 2026 means embracing a new way of understanding the relationship with money. It is no longer just a matter of numbers or transactions, but of how these choices affect our future and that of the planet. With its different plans (Fan, Flex and Friend), Flowe adapts to the needs of each user, offering intelligent savings tools, training growth paths and a concrete commitment to environmental sustainability through wood paper and reforestation projects. If you’re ready to make your finances more “green” and invest in your personal well-being, just download the app and start your journey in the BetterBeing Economy. Remember to use the code ARANZULLA to take advantage of active promotions and immediately start planting your first virtual tree that will soon become a lush reality. Managing money has never been so ethical and inspiring: it enters the Flowe community today.
