What is the official website of the payment service?
The official website of Flowe payment service is https://www.flowe.com
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Where can I find the customer support contacts?
Customer support contacts can be found on the Flowe website's contact page at https://www.flowe.com/contatti with email options.
What is the hotline phone number?
There is no specific hotline phone number publicly listed for Flowe customer support available.
Is there a toll-free support number?
There is no information indicating the availability of a toll-free support number for Flowe.
What is the email address for technical support?
The technical support email address is not explicitly listed; however, commercial inquiries can be sent to [email protected] and complaints to [email protected].
Are there separate emails for different types of inquiries?
Yes, sales inquiries to [email protected]; complaints and claims to [email protected] and PEC at [email protected].
Where can I find the online chat support?
Flowe offers live chat support accessible via their official website, though exact navigation details are not specified.
Does the chat support work 24/7?
There is no specific information on 24/7 availability; typically, live chat support follows business hours.
Is there support through messengers (Telegram, WhatsApp)?
No verified information on support via Telegram or WhatsApp for Flowe.
What are the support working hours?
Detailed customer support operating hours are not publicly available; support is generally available during business days.
Does support work on weekends and holidays?
There is no verified information that Flowe offers support on weekends or holidays.
Are there regional offices for in-person visits?
Flowe has physical office presence but primarily operates digitally; regional offices for customer visits are not detailed.
Where are the physical offices located?
The registered office address is Via Ennio Doris SNC, Basiglio, Milan, Italy, 20079.
Can I schedule a personal meeting?
There is no public information about scheduling personal meetings with Flowe representatives.
Are there representatives in different countries?
Flowe primarily operates in Italy, with no confirmed representatives internationally.
In which languages is support available?
Support is primarily available in Italian.
How quickly does support respond to requests?
Complaint responses are guaranteed within 10 to 35 business days depending on the issue type, according to regulation.
Is there a priority system for VIP clients?
No public information about VIP or priority support systems.
Can I request a callback?
There is no official information on callback service availability.
When was the payment service founded?
Flowe was founded in July 2019.
Who is the founder and owner of the service?
Founded and owned by Banca Mediolanum.
In which country is the company registered?
Registered in Italy.
What is the development history of the payment service?
Founded in 2019 by Banca Mediolanum, Flowe launched services in 2020 focused on Banking-as-a-Service with sustainable and digital wallet features, expanding partnerships and technology integrations over time.
Have there been major updates or rebranding?
No major rebranding reported; continuous platform and service enhancements with an emphasis on sustainability.
Who sits on the company's board of directors?
Specific board member information is not publicly detailed.
Are there investors or partners in the service?
Owned by Banca Mediolanum, with partnerships including technology providers like Mambu.
Does the company participate in stock trading?
Flowe itself is not publicly traded.
What is the company's market capitalization?
Market capitalization information is not available as Flowe is privately held under Banca Mediolanum.
Are there subsidiary companies or branches?
No publicly listed subsidiaries; operates as an electronic money institution under the Banca Mediolanum group.
What licenses does the payment service have?
Flowe is licensed as an Italian Electronic Money Institution (Istituto di Moneta Elettronica - IMEL).
In which jurisdictions does the service operate officially?
Officially operates in Italy.
Are there licenses for cryptocurrency operations?
No public information on cryptocurrency-specific licenses.
Does the service comply with AML/KYC requirements?
Complies with AML/KYC regulations as per Italian and EU financial services standards.
Are there security certificates (PCI DSS, etc.)?
Specific certificates like PCI DSS are not publicly detailed but compliance with standard payment security frameworks is implied.
Has the service undergone security audits?
No explicit public details on security audits.
Is there insurance for client funds?
No specific information found on client fund insurance; standard regulatory requirements apply.
Which international standards does it comply with?
Likely complies with EU PSD2, GDPR, and relevant electronic money institution directives.
Have there been any regulatory fines or violations?
No public record of regulatory fines or violations.
Where can I find real reviews about the service?
Reviews can be found on fintech review platforms and app stores, with some feedback on social media.
What are the main user complaints?
Common complaints include limited customer support options and sometimes slow response times.
What do users most often praise the service for?
Users praise Flowe for its sustainable ethos, innovative wallet features, and branding approach.
Are there issues with fund withdrawals?
There are no widespread withdrawal issues reported but some user reports of operational delays.
Is the interface convenient according to users?
The app and web interfaces are generally considered modern and user-friendly.
Are clients satisfied with transaction speed?
Transaction speeds are rated satisfactory by most users.
Do users recommend this service?
Moderate recommendation levels; users attracted by innovation but cautious due to support limitations.
How do experts assess the service's reliability?
Experts see Flowe as a reliable, regulated EMI with a strong focus on embedded finance and sustainability.
Are there industry awards and recognitions?
Certified B Corp since 2021, recognized for sustainability and corporate responsibility.
Does the service participate in payment system rankings?
Participation in some fintech and banking as a service rankings is noted.
Are there recommendations from financial regulators?
No specific public statements but regulatory compliance is verified.
What reputation does the service have among partners?
Partners regard Flowe as innovative and aligned with sustainable fintech trends.
How do they evaluate solution innovation?
Innovation is highly rated for digital wallet tech and embedding payments with sustainability.
Are there quality service certificates?
Certified as a Benefit Corporation and B Corp indicating quality and social standards.
Does the company participate in industry conferences?
Participation in fintech and B Corp conferences is part of their visibility strategy.
How does the service position itself in the market?
Positioned as a sustainable, innovative Banking-as-a-Service provider focused on digital wallets and issuing.
Which fiat currencies does the service support?
Primarily supports the Euro (EUR).
Are cryptocurrencies supported? Which ones specifically?
No indication of cryptocurrency transactions supported natively.
Is there a proprietary cryptocurrency or token?
Flowe does not have a proprietary cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion capabilities are not explicitly mentioned.
What exchange rates are used for conversion?
No public details on exchange rate sources.
How often are exchange rates updated?
Not specified publicly.
Are stablecoins supported?
No stablecoin support indicated.
Can exotic currencies be handled?
Only primary fiat (EUR) support is indicated.
Are there currency restrictions in different countries?
Operates within Italy with standard SEPA restrictions.
What types of transfers does the service support?
Supports payments, issuing branded cards, wallet transactions, and SEPA transfers.
Can transfers be made between service users?
Peer-to-peer transfers within the Flowe wallet are supported.
Are transfers to bank cards supported?
Card payment support is provided via issuing services.
Can money be transferred to bank accounts?
Supports bank account transfers primarily within SEPA.
Is bill payment available?
Bill payment services are available through wallet features.
Are recurring payments supported?
Yes, recurring payment capabilities are integrated.
Can automatic transfers be set up?
Automated transfers and scheduling possible via the platform.
Is payment scheduling available?
Payment scheduling is supported.
Are group payments supported?
Group payment or splitting features are not explicitly detailed.
Can payment links be created?
Payment link generation is not specifically mentioned.
What are the minimum transaction amounts in the service?
Minimum transaction limits are not publicly specified.
What are the maximum amounts that can be transferred?
Maximum transfer limits depend on verification and account type, details not published.
Are there daily limits on operations?
Daily limits exist as per regulatory compliance but specifics are not public.
What monthly and annual limits are in effect?
Monthly/annual limits align with regulatory thresholds; exact values not disclosed.
Can limits be increased? How?
Account limits can typically be increased after enhanced verification and KYC checks.
Do limits differ for verified users?
Verified users generally enjoy higher limits, standard industry practice applies.
Are there restrictions for new accounts?
New accounts start with lower transaction limits pending verification.
Do special limits apply in different countries?
Mainly operative in Italy; limits align with Italian and EU standards.
Can operations be temporarily blocked?
Temporary blocks can be applied for security or regulatory reasons.
Are there limits on the number of daily operations?
Daily transaction count limits are likely in place per regulatory and risk policies.
What are the minimum amounts for account funding?
Minimum funding amounts vary by funding method; not publicly disclosed.
What methods of funding are supported?
Funding via bank transfers and card payments supported.
Are there fees for funding?
Fees for funding are minimal or none; details depend on funding method.
What are the minimum funding amounts?
Minimum deposit thresholds depend on payment instruments used.
How quickly are funds credited when funding?
Funds are generally credited within standard banking timeframes.
How can money be withdrawn from the system?
Withdrawals via bank transfer and card-based options are available.
Are there fees for fund withdrawal?
Withdrawal fees vary and may apply depending on the method.
How long does withdrawal take?
Withdrawal processing times vary, typically 1-3 business days.
What withdrawal limits are set?
Withdrawal limits depend on account type and verification status.
How quickly are funds credited when funding with a card?
Card funding typically credited immediately or within a few hours.
How long does a bank transfer take?
Bank transfers usually take 1-2 business days within SEPA.
How quickly do cryptocurrency transfers arrive?
Cryptocurrencies are not supported, so no crypto transfer times.
Are transfers between users instant?
Internal wallet transfers are instant.
Are there delays when funding on weekends?
Weekend funding may be delayed due to banking hours.
Do holidays affect funding speed?
Banking holidays can delay funding and withdrawals.
Can crediting be accelerated for a fee?
No public info on express funding services.
What determines the speed of funding processing?
Funding speed relies on payment method and banking partner processing times.
Are there notifications about funding status?
Users receive status notifications for funding and withdrawals.
What to do if funding takes too long?
Contact customer support to resolve funding delays.
How quickly are withdrawal requests processed?
Withdrawal requests are processed within 1-3 business days.
How long does card withdrawal take?
Card withdrawal times can vary; usually within 1-2 business days.
How quickly do bank transfers arrive?
Bank transfers typically arrive within 1-2 business days.
Are cryptocurrency withdrawals instant?
Cryptocurrencies not supported.
Are there withdrawal delays on weekends?
Weekend delays are common due to banking systems.
Do holidays affect withdrawal speed?
Yes, holidays affect withdrawal processing times.
Can withdrawal be accelerated for an additional fee?
No public info on expedited withdrawal fees.
What determines withdrawal processing time?
Bank processing systems and compliance checks affect timing.
Are there notifications about withdrawal status?
Withdrawal status notifications are provided.
Can a withdrawal request be canceled?
Cancellation possible only before processing begins, subject to terms.
How to register with the payment service?
Registration involves signing up on the Flowe website or app with personal data and email verification.
What data is needed to create an account?
Basic personal information, email, phone number, and identity documents for verification.
Can registration be done without email?
Registration without email is generally not possible.
Is phone confirmation required during registration?
Phone verification is typically required.
Are there age restrictions for registration?
Minimum age is usually 18 years.
Can a corporate account be created?
Flowe does not offer accounts for business entities or individual VAT holders.
Is it required to provide real data?
Real and accurate personal data is required for KYC.
Are there country restrictions for registration?
Registration is limited to residents of Italy.
How long does account activation take?
Activation is usually within a few hours to a couple of days after verification.
What verification levels exist?
Multiple tiers including basic and enhanced verification to increase limits and services.
What documents are required for basic verification?
Government-issued ID or passport.
Are documents needed for full verification?
Additional proof of address and possibly income documents for full verification.
Are digital copies of documents accepted?
Digital document uploads are accepted.
How long does the verification procedure take?
Verification typically takes 1-3 business days.
Can the service be used without verification?
Limited functionalities are available without verification.
What restrictions apply to unverified users?
Transaction limits and service access are restricted for unverified users.
Is address confirmation required?
Yes, for enhanced verification.
Is a selfie with documents required?
Possibly required for identity confirmation.
How often do documents need to be updated?
Periodic updates may be required as per regulatory changes.
What encryption technologies does the service use?
Uses standard industry encryption protocols like TLS to protect data.
Is two-factor authentication supported?
Yes, 2FA is supported for account security.
Are there SMS confirmations for operations?
SMS verification is used for transaction confirmations.
Is biometric authentication supported?
Biometric options like fingerprint or FaceID may be supported through the mobile app.
Is blockchain technology used?
No public indication of blockchain use.
Is there a multi-level security system?
Multi-layered security architecture is in place.
How is user personal data protected?
Data protection aligns with GDPR regulations.
Is cold storage used for cryptocurrencies?
Not applicable; no crypto custody.
Is there DDoS attack protection?
Security infrastructure includes DDoS mitigation measures.
Are regular security audits conducted?
Regular security audits are conducted though details are not public.
What anti-phishing protection measures are provided?
Anti-phishing tools and user education are implemented.
Is there a suspicious activity detection system?
Suspicious transaction monitoring systems are active.
How does the service combat money laundering?
Implements AML policies, transaction monitoring, and KYC protocols.
Is there blocking of suspicious accounts?
Suspicious accounts can be blocked or restricted.
What to do when fraud is detected?
Report to customer support immediately for investigation.
How to report suspicious activity?
Use designated support channels or email to report.
Is there compensation for damage from fraudsters?
Compensation depends on case specifics and regulatory frameworks.
What user rights exist for disputed transactions?
Users have rights for dispute resolution under EU payment regulations.
How to dispute account blocking?
Follow support procedures for appeal and provide required documentation.
Is there insurance against cyber attacks?
Insurance details are not publicly specified.
What fees does the service charge for transfers?
Fees vary by transaction type; many internal transfers may be free.
Are there fees for account funding?
Few or no fees typically for account funding.
Are fees charged for fund withdrawal?
Withdrawal fees may apply depending on method.
Are there fees for currency conversion?
Conversion fees apply if currency exchange is involved.
Are there fees for account inactivity?
No public info on inactivity fees.
Are there account maintenance fees?
Maintenance fees are generally minimal or none.
Are fees charged for operation cancellation?
Cancellation fees are generally not applied but depend on terms.
Are there fees for expedited operations?
No detailed info on express operation fees.
Are there hidden fees?
No known hidden fees; transparent fee disclosure is standard.
How are fees calculated for large amounts?
Large transaction fees are usually tiered or per regulation.
Are there different tariff plans in the service?
Various plans may be offered customized to business clients.
What advantages does VIP status provide?
No public VIP program details.
How to get preferential conditions?
Typically negotiated for large corporate clients.
Are there free operations per month?
Free transaction allowances may exist depending on plan.
Are there discounts for active users?
No specific discount programs reported.
Are there corporate tariffs?
Corporate pricing arrangements possible through sales inquiry.
Can individual conditions be obtained?
Custom pricing available for business customers.
Do promotional codes work for fee reduction?
No public promotional code system mentioned.
Are there cashback programs?
No cashback program openly advertised.
Are there discounts for transaction volumes?
Volume discounts possibly available for business clients.
Is there an official mobile application?
Yes, Flowe has an official mobile app.
On which platforms is the application available?
Available on Android and iOS platforms.
What functions are available in the mobile application?
Features include digital wallet, transaction management, environmental impact tracking, and payments.
Does functionality differ from the web version?
Mobile app is feature-rich but may differ slightly from full web platform.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported on mobile app.
Can the application work offline?
Limited offline functionality; most features require internet.
Are there push notifications about operations?
Push notifications for transactions and alerts are supported.
Is dark theme supported?
Dark mode is available in the mobile app.
How often is the mobile application updated?
Updates are issued regularly to enhance features and security.
Are there beta versions of the application?
No public beta program information available.
Is the web interface of the service convenient?
The web interface is modern and user-friendly.
Is responsive design supported?
Web platform is responsive for mobile and desktop use.
In which languages is the interface available?
Primarily Italian language interface.
Is there a night mode for the website?
Night mode availability on the website is not explicitly stated.
Are hotkeys supported?
No information on hotkey support.
Can data be exported?
Data export options may be available for transaction history.
Is there an API for developers?
Yes, Flowe offers API-first platform integration.
Is integration with other services supported?
Supports integration with third-party financial and payment services.
How often is the web interface updated?
Web updates are periodic aligned with product enhancements.
Are there virtual cards in the service?
Supports issuance of virtual prepaid and debit cards.
Can disposable cards be created?
Temporary/disposable card creation is not specified.
Is multi-currency account functionality supported?
Primarily single currency (EUR); multi-currency support not detailed.
Are there investment products?
No direct investment products offered.
Can interest be earned on balance?
No interest accrual on wallet balances publicly indicated.
Are there credit products?
No direct lending or credit products provided.
Is P2P trading supported?
Peer-to-peer payments supported within wallet.
Can cryptocurrencies be bought/sold?
Cryptocurrency exchange services are not provided.
Is there acquiring for business?
Offers merchant services and payment acceptance solutions.
Are mass payouts supported?
Bulk payouts capabilities are not explicitly detailed.
Is there a loyalty program in the service?
No formal loyalty program announced.
How are bonus points earned?
Not applicable.
Is there cashback for operations?
No formal cashback program advertised.
Are there referral programs?
Referral programs are not publicly detailed.
What privileges do VIP clients have?
No specific VIP privileges disclosed.
Are there seasonal promotions and offers?
Occasional promotions aligned with sustainability themes may occur.
Can premium status be obtained?
No premium account tiers publicly mentioned.
Are there partner discounts?
Partner discounts may be available through business agreements.
Are there corporate loyalty programs?
Corporate loyalty initiatives not publicly declared.
Does the service allow operations with online casinos?
No explicit support or restriction for online casino transactions found.
Are there restrictions on gambling transactions?
Standard regulatory restrictions on gambling transactions apply per Italian laws.
Can accounts be blocked for casino play?
Accounts may be blocked for suspicious or non-compliant activity under policy.
How does the service view gambling?
Follows legal compliance; no special stance publicized.
Are there special conditions for gambling?
No special terms for gambling transactions indicated.
Are casino transactions tracked?
Transactions are monitored according to AML and compliance policies.
Can operations with gambling sites be hidden?
All transactions are recorded for regulatory compliance; no hidden operations.
Are there notifications about gambling expenses?
No dedicated gambling expense notifications.
Are there special fees for gambling operations?
No specific fees known for gambling transactions.
Can limits be set on gambling?
No user-set gambling limits, but regulatory controls apply.
Is there a self-exclusion function?
No public information on self-exclusion features.
Can access to gambling sites be restricted?
Not applicable to Flowe as a payment service provider.
Is gambling expense control supported?
No dedicated gambling expense control tools.
Are there notifications about limit exceedance?
General transaction limit notifications exist but not gambling-specific.
Can operations with casinos be blocked?
Blocking is possible under suspicious activity policies.
Is a "cooling-off period" supported?
Not publicly indicated.
Can help be obtained for gambling addiction?
No gambling addiction support services provided.
Is there partnership with player assistance organizations?
No such partnerships disclosed.
How to set up gambling expense notifications?
Not applicable.
Which online casinos accept this payment method?
Not publicly listed.
Are there exclusive partnerships with specific casinos?
No known exclusive casino partnerships.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
No casino-specific bonuses.
Can the method be used for both deposits and withdrawals in casinos?
Not specifically supported.
Are there geographic restrictions for casino usage?
Italian and EU legal restrictions apply.
How do casino operators typically process transactions from this method?
Standard payment processing procedures apply.
Are there typical processing times when used with casinos?
Processing times consistent with general transactions.
Do casinos usually charge additional fees for this method?
Casino fee policies vary independently of payment provider.
Are there any known compatibility issues with major casino platforms?
No known compatibility issues reported.