Join a kind idea

Join a kind idea

We have launched a project that will help clown doctors – specialists in the field of hospital clowning. This is a joint initiative of Bilderlings and two charities: British Hearts & Mids and Latvian Dr. Klauns. Saving smiles!

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Pay with Apple/Google Pay and earn cashback

Pay with Apple/Google Pay and earn cashback

Discover the joy of effortless payments with Google/Apple Pay and earn cashback in EUR on every purchase. The more you spend, the more you earn! 

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Register your startup and open an account with a card for 900 euros!

Register your startup and open an account with a card for 900 euros!

• Company registration and account with a card for your business in one place
• No office visit – everything online
• Your data is protected
• Sign up to start using service

Start your company

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Bilderlings Account drives 51% individual customer growth and 8% growth in Total income YoY for FY22
We are passionate about our mission of growing a more affordable, faster, and easier way of transferring and managing money for businesses and people across the world. To carry out our mission we’re building a sustainable, profitable business that our clients can prize through good and turbulent times.
This year’s financial results show great achievements on our mission. Despite uneasy macroeconomic conditions throughout the year, we’re happy that Bilderlings Account drives a 51% individual customer growth year on year for the financial year 2022, with private persons taking the lead in our client’s portfolio with 55% (2021: 39%), a symbolic milestone. During this year active customers increased the volume of all payments by 24%; our clients trusted us to hold more than € 137 million of their money (2021: €168 million) and moved more than € 2,2 billion (2021: € 2,6 billion). Bilderlings’ payment card users grew up by 50% against 2021, creating a jump in transactions by 82% and generating 14% of total revenue (2021: 9%). While the revenue remained steady YoY (2022 €10,640,834; 2021: €10,570,499) the total income, combined with net interest income, led to a growth of 8% YoY, to € 11.5 million, for FY22.

Systemically optimising processes and lowering costs, we decreased prices for cross-border payments outside EEA for domestic individual clients on average by 50%. For local EU payments, we charge them as much as it costs us to offer our services, plus a small margin. The average price of 0,64% on our core payment services has improved by 2.5%  in comparison to the 2021 year.
FY22 has been a remarkable year of speeding up payments; 65% of our cross-border payments were completed instantly and over 31% within 24 hours, an improvement of 36% and 14% YoY, respectively.
Today we process on average about €225 million a month in cross-border transactions,  and plan to achieve one million transactions a month. Too many traditional banks impose excessive restrictions on cross-border payments for small international businesses which we think is not fair. Last year we introduced a new transaction monitoring solution powered by AI to facilitate cross-border payments without borders.  We believe one day we will be able to change the status quo of how small businesses make online cross-border transfers while reducing the risk of fraudulent activities.
Last year thousands of our clients actively used Bilderlings Account, and thanks to the development of our infrastructure throughout the year new features and products such as automated online onboarding, virtual payment cards, Apple Pay, and Google Pay, and rewards on card spending, were successfully launched just to mention a few of them.
“Our financial results last year show remarkable progress on our mission. During an uncertain economic environment, we worked hard to accomplish our mission. Not only small businesses and people actively used Bilderlings Account and our platform services, but large international enterprises of many stripes. We do our best to satisfy the growing demands of our users and build new products, services, and complete solutions our customers would love. With a record total income of € 11.5 million, for FY22, we see more than encouraging client activity and double-digit growth in Q1 2023.
一 Jelizaveta Peskova, CEO & co-founder, Bilderlings

About Bilderlings
Bilderlings is an independent, fast-growing UK technology company, building a more financially inclusive, affordable, and effortless AI-based Fintech platform to transfer and manage money for international businesses and people around the world. With Bilderlings platform our users can hold over 30 currencies, make deposits, take loans, exchange currencies, and transfer money between countries.  Today we process on average €220 million in cross-border transactions every month, making close to one million transactions a month, securely safeguarding more than EUR 130 million of customers’ funds.
Co-founded by Latvians, Aleksandrs Peškovs family members, and Andrejs Kuzins, authorized by FCA as an Electronic money institution and launched in 2015 in London, we’re building an entirely new Fintech platform, offering our users financial freedom and easy access to an array of financial products, tools, and experiences in many aspects, in one place.
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22/05/2023 – GBP transfers are now available

We are happy to announce that domestic transfers in British Pounds are now available. You can send and receive funds within the UK easily now!
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10/05/2023 – GBP transfers within the UK

Domestic transfers in British pounds will soon be available. These transfers will come with a UK IBAN.
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31/01/2023 – Bilderlings cards are now available with Apple Pay!

Pay safer and faster with an iPhone and Apple Watch! Use Bilderlings app and add your card to your Apple wallet.
Enjoy all the benefits of your Bilderlings card using Apple Pay. It’s the easy, secure, and private way to pay!
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19/12/2022 – Bilderlings cards are now available with Google Pay!
Pay faster and more secure with a smartphone! Set up your Android for easy contactless payments. Just add your Bilderlings cards to Google Wallet to get started!
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03/05/2022 – Bilderlings becomes a SWIFT member 
Bilderlings has become a full member of the SWIFT system along with the largest banks in the world. Direct integration with the SWIFT system will simplify the work with international payments for customers.
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04/01/2022 – Currency exchange 24/7
No matter where you are and what time is – you can now easily convert money all day long 365 days a year!
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04/01/2022 – Virtual cards
You asked for it – we made it! Out virtual cards are now available! Get one and start spending immediately! No need to wait for a physical card.
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30/09/2021 – Interim financial report 2021
On the 1st September, the Board of Directors approved the interim report and an independent auditor’s report.
According to the interim report, Bilderlings earned 6-months profit of EUR 1,194,592. This result is higher by 3.2 times against the same period of 2020.
Total Assets of the company reached EUR 150.1 million increasing by 1.88 times (70.1 million) against 31.12.2020 and by 2.23 times (82.7 million) against 30.06.2020.
Client money outstanding reached EUR 144.6 million increasing by 1.89 times (67.9 million) against 31.12.2020 and by 2.21 times (79.3 million) against 30.06.2020.Taking into consideration the six-months result, the shareholders of the Company have decided to re-invest the interim profit into the capital. Therefore, the current share capital of Bilderlings achieved a level of EUR 4.5 million. This is the second time for this year that the shareholders invest their profits into the Bilderlings capital to support and strengthen the growth of the Company. In total this year, the share capital was increased by EUR 2.6 million.
You can deep into reading of the interim report of Bilderlings here.
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15/05/2021 – Bilderlings Deposit – get guaranteed profit from your funds
Bilderlings has launched a new product – Deposits for private persons. The main advantages of the deposits:
  • fixed rate deposit;
  • ability to choose the currency of the deposit;
  • a fixed maturity term, with the ability to withdraw the deposit ahead of schedule;
  • no maximum limit on the amount of the deposit;
  • keeping your deposit in a reliable European bank – BluOr Bank;
  • deposit guarantee by the European Union directive up to EUR 100,000.
Learn more about our Deposits.
Future plans
  • Coming soon
    • Junior Cards
    • Asset Management and Family Office
    • Bilderlings Investments
  • Launched recently
    • Apple Pay
    • Google Pay
    • Individual IBANs
    • Bilderlings Startup
    • Savings Account
    • Virtual cards
    • Currency exchange 24/7
    • PIN code change
    • Deposits
    • New online onboarding for legal entities
    • New online onboarding for individuals
    • Sepa Instant
    • Mobile App
    • Online currency exchange
    • Free payments among Bilderlings accounts
    • Payment cards
    • Multi-user account with different roles
    • Upgraded version of online onboarding
    • Multi-channel acquirers network
Max Zhilnikov:
«Our company after the expansion was released on the international market and we needed a reliable financial technological platform. Bilderlings was recommended by a partner company. Among the advantages, I will highlight the possibility of transferring to more than 150 countries around the world. High transaction speed. We have a personal Manager assigned to us. Recommend.»Expand
«Excellent service. Fast payment execution. I’m really happy to do business with you! Thanks to your support team. Recommend!»Expand
«Great service. Responsive support.»
«Very happy with the service. Only reason for not giving 5-star is that the web-interface and query options can be improved.»
«Excellent service. Support work is great and intelligible.»
Alex Giver:
«I ordered a Bilderlings card a few months ago! And I absolutely love it! Design is fantastic, I like its transparency. I have used the card abroad, and it works, reasonable conversion rates.»Expand
«You’re wonderful team very fast and reliable. Thanks»

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