Montes — est. 2026
Frankfurt · London · Lisbon
v3.4 · Live ledger
● Operational
◇ Banking, reimagined

Money, butweightless.

A premium neobank built on a real-time double-entry ledger. Cards, accounts, crypto, identity — wired together, audited continuously, weightless to use.

Scroll to descend ↓
SEPA · BIC · MONTDE22 · €184M AUM
DOUBLE-ENTRY LEDGERSUB-SECOND SETTLEMENTOFAC + EU + UN SCREENINGISO 20022 · SWIFTOPENTELEMETRYPCI-DSS L1GDPR · DORATRAVEL-RULE COMPLIANTDOUBLE-ENTRY LEDGERSUB-SECOND SETTLEMENTOFAC + EU + UN SCREENINGISO 20022 · SWIFTOPENTELEMETRYPCI-DSS L1GDPR · DORATRAVEL-RULE COMPLIANTDOUBLE-ENTRY LEDGERSUB-SECOND SETTLEMENTOFAC + EU + UN SCREENINGISO 20022 · SWIFTOPENTELEMETRYPCI-DSS L1GDPR · DORATRAVEL-RULE COMPLIANT
◇ The whole bank, in one app

Onescreen.Everythingyouown.

Accounts, cards, crypto, identity, payments — every primitive of your financial life, in a single fluid interface.

◇ Built like an exchange

Bank-gradeprimitives.Designerfeel.

◇ Total balance
€184,392.18
+€1,284.40 · 24h
↗ Send
↙ Receive
⇄ Exchange
EU IBAN
DE89
3704 0044
0532 0130 00
Active · SEPA Instant
Metal
Forged.
**** **** **** 7621
BTC · Live
€71,240
▲ 2.18% · 24h
Verified
90s.
Documents
Liveness
Sanctions
Risk score
◇ Three primitives · scroll →
Cards

Spend with style.

Three signature variants — Standard, Plus, Metal. Each forged from recycled aerospace alloy, engraved laser. Tap to pay, anywhere on Earth.

Cards · live
Identity

Verified in 90 seconds.

Sumsub-powered passive liveness, automated sanctions screening, 14-dimensional risk model. From zero to first deposit, faster than your coffee gets cold.

Identity · live
Crypto

Buy, hold, send.

Live CoinGecko prices. Fireblocks-backed MPC custody. On-chain withdrawals with FATF travel rule compliance. Settle from your fiat account in 30 seconds.

Crypto · live
◇ The card collection

Forgedfromrecycledalloy.

Three signatures, one engineering. Standard for everyday, Plus for travel, Metal for those who prefer their banking to weigh something. Each laser-etched, each unique.

Free
Standard
€9.90/mo
Plus
€19.90/mo
Metal
⟲ Live preview · physical materials
◇ Markets · live now

Crypto,custodial.

Real prices from CoinGecko, refreshed every 30 seconds. Trade from your EUR balance, settle to Fireblocks-backed cold storage, withdraw on-chain anywhere.

◇ The architecture

Fourprimitives.Onecoherentsystem.

Built like an exchange, regulated like a bank. Every layer designed to be auditable, observable, and impossible to overdraw.

01

Real-time double-entry ledger

Every transaction posts as a balanced debit/credit pair. Sub-second settlement, fully auditable, zero rounding drift.

02

Sanctions-grade KYC

Multi-provider orchestration with continuous monitoring against OFAC, EU, UN and HM Treasury lists.

03

Cards forged in metal

Recycled aerospace alloy. No-FX up to €5k/mo. Apple Pay, Google Pay, click-to-pay everywhere.

04

Crypto, custodial-grade

On-ramp BTC, ETH, USDC in 30 seconds. Cold-storage by default. Travel-rule compliant.

A bank should feel
like nothing at all.
Founding principle · Montes
€184M
Assets under management
2.4M
Transactions / day
0.18s
Median settlement
99.998%
API uptime · 90d
◇ Open in 4 minutes

The next era of money is already here.