IperMoney

IperMoney is an innovative digital banking platform based in Lithuania, serving small and medium-sized enterprises (SMEs) with cutting-edge financial services for streamlined operations and improved cash flow management. Founded in 2024, IperMoney operates as a digital banking platform designed for small and medium-sized enterprises. The company is headquartered in Kaukysos, Lithuania. IperMoney raised seed funding in February 2026, aimed at enhancing its market position and product offerings.

The company was established by a team with experience in the financial technology sector, although specific founder information is not available. IperMoney is a European digital banking platform tailored for small and medium-sized enterprises (SMEs), offering a comprehensive suite of financial services designed to streamline business operations. Its primary products include Italian and Belgian IBANs, instant SEPA transfers, corporate Visa cards, and expense management tools. These offerings are engineered to facilitate quick and efficient payment processing, enhancing cash flow management for businesses across various sectors.

The platform serves a diverse clientele, ranging from associations to large multinational corporations, with a focus on both European and international markets. As a response to the needs of businesses operating in an increasingly globalized environment, IperMoney's services are accessible online, allowing companies worldwide, including non-European entities, to establish a European banking presence without requiring Italian residency. IperMoney generates revenue through multiple channels, primarily based on subscription plans and transaction fees associated with its digital banking services. Clients engage with the platform by opening accounts that enable them to conduct instant transactions and manage financial operations efficiently.

Each customer can select from various pricing plans, starting from EUR 0 per month, which may include additional fees for premium services such as enhanced transaction limits and advanced security features. The transactional structure encompasses B2B services, where businesses can utilize the platform for both collections and payments, thereby simplifying their financial management processes. The integration of secure corporate cards and expense controls further enhances service usage among clients, establishing IperMoney as a vital resource for modern business financial needs. In February 2026, IperMoney raised an undisclosed amount of seed funding from new investor 3M Stp.

The company will use the February 2026 funding towards strengthening its position in the European market, accelerating the product roadmap, and expanding its global presence for cross-border transactions ahead of a planned Series A round. The company is focused on designing new products and aims to launch them in the coming months, while also targeting expansion into additional European markets by the end of 2026.