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Getting Started

Open an account, choose a plan, and learn how MoneyBeat works.

Open a personal account when you own or direct a company

Yes, you can open a personal account if you are a company legal representative, signatory, or beneficial owner. Your role at a company does not block a personal account. Phone and email Phone number As the company's legal representative, you and the company must share the same contact number. Email address You need a different email address from your company's login. Your email is your personal account login, and each email belongs to one account only. Your identity is recognised (and that is correct) If you already appear in your company's records, the app may recognise your identity. That is expected. It does not mean: - Your company can see your personal account, or the reverse - Your personal account inherits the company's verification You still complete phone verification and identity verification (KYC) for your personal account. Every account earns its own verification. If you see "mobile number already verified" Occasionally you may see: "This mobile number is already verified on another account with our banking partner." This means the number was already confirmed for a different person (often an earlier account of your own, or a colleague's). Enter a different mobile number on that same screen and continue. You do not need to start again or contact support. If you are only a shareholder (not a signatory) If you are listed only as a beneficial owner and do not sign for the company, we do not ask for your email in the company's records. For your personal account, you provide your own email as normal. What happens next 1. Sign up at https://app.moneybeat.eu with an email different from your company's. 2. Enter your identity details, including your mobile number. 3. Confirm the SMS code we send you. 4. Complete identity verification (short video check with our provider). 5. Your personal IBAN is activated when verification and signing are complete. Short FAQ Can I use one phone number for personal and business accounts? Yes. As legal representative, you and the company must share the same contact number. A number is only unavailable once it has been verified against a different person. Do I need a different email for each account? Yes. Your email is your login, and each one belongs to a single account. Can I use the same ID document for both accounts? Yes. Your ID identifies you as a person and can be used for both personal KYC and business KYB. Why does it say my mobile number is already verified elsewhere? It was confirmed against another person's account. Enter a different number on that screen to continue. Does my personal account inherit my company's verification? No. Each account completes its own phone and identity verification. Related guides - How to open a personal account - Open a business account when you already have a personal account - Verify your identity for a personal account Need help? Live chat in the app or support@moneybeat.eu.

How to open a personal account

This guide follows the personal (individual) opening flow in the MoneyBeat app. For business accounts, see How to open a business account. Go to https://app.moneybeat.eu to start. Part 1: Sign up (before account activation) Step 1: Choose account type Select Personal (or Business if you are opening a company account). Step 2: Choose plan Pick Standard, Premium, or Custom. Monthly fee and opening fee are shown before you continue. Step 3: Create login details Enter your email, phone number, country of residence, and password (with confirmation). Step 4: Review and accept terms Check your selected plan summary. Accept Terms and Privacy Policy (required). Marketing consent is optional. Part 2: Account activation After sign-up you enter Account Activation. Onboarding step 1: Opening fee payment Pay the one-time opening fee by card or Google Pay. Fee, VAT, and total are shown clearly. If KYC is later rejected, the opening fee is refunded. Onboarding step 2: Customer details Complete your profile (you type the information in the app): - Personal information: first name, surname, nationality, date of birth, annual income range, PEP status - Identity document details: document type (ID, passport, or residence card), document number, issuing country - Professional activity: employed or self-employed, occupation - Residence address: street, number, postal code, city You enter your address in the form at this step. Onboarding step 3: Phone verification Verify your registered phone with a one-time SMS code. Phone status is shown in the app. This is required before the final checks. Onboarding step 4: KYC and address confirmation The steps here depend on your tax residence: - Case A: Non-Spanish / European or foreign customer 1. Tap Start KYC Verification (identity verification with our provider). 2. Complete the tax residence declaration (you are not a tax resident in Spain). Review the document and tap Send signing code. Sign electronically with the one-time code sent to your phone. - Case B: Spanish user / resident in Spain 1. Tap Start KYC Verification only. Onboarding step 5: Activate your IBAN Tap Continue to open the secure contract signing page. After you sign, you are redirected to SEFIDE provider consent (see below). Your IBAN is ready after signing. Part 3: SEFIDE consent and contract MoneyBeat payment services are provided by SEFIDE EDE, S.L.U. You must approve: - Access to your user data - Access to your account (balance and movements) - Permission to order payment operations on your behalf Select all consents, request the SMS code, and sign the electronic money account opening contract. Part 4: Ready to use When activation is complete, your Home dashboard opens with your wallet and IBAN. You can send SEPA and internal transfers. Summary 1. Register and choose plan 2. Pay opening fee 3. Add your details 4. SEFIDE identity verification (KYC) 5. Sign consent and contract 6. Use your IBAN Need help? Live chat in the app or support@moneybeat.eu.

How to open a business account

This guide follows the business opening flow in the MoneyBeat app. Go to https://app.moneybeat.eu and choose Business at account type. Part 1: Sign up (same as personal) 1. Choose account type: Business 2. Choose plan: Standard, Premium, or Custom 3. Create login details: email, phone, country of residence, password 4. Review and accept terms: plan summary, Terms and Privacy (required), marketing optional Part 2: Account activation (6 steps in the app) Onboarding step 1: Opening fee payment Pay by card or Google Pay. Fee, VAT, and total are shown. Opening fee refunded if KYB is rejected. Onboarding step 2: Company information (Step 2 of 6) Enter data exactly as on your official tax or trade-registry record: - Legal company name and tax identification number (TIN) - Business activity and date of incorporation - Registered office: street, number, postal code, city, country - Financial profile: annual income level, own resources (capital), sales level (turnover) Tap Submit company for verification. Onboarding step 3: Directors and owners (Step 3 of 6) Add legal representatives and beneficial owners (25%+). For each person enter: - Personal information and PEP status - Identity document details (type, number, country) - Professional activity and residence address (typed in the form) - Role: legal representative and/or shareholder / UBO - Ownership percentage - Whether they are authorized to operate the IBAN Tap Submit representatives for verification. Onboarding step 4: Phone verification (Step 4 of 6) Confirm the company phone with an SMS code sent to the legal representative. Onboarding step 5: Company documents and signing (Step 5 of 6) Three sections appear: Owners and representatives - The legal representative who operates the IBAN must complete video identity verification and sign the tax residence declaration (SMS code) if applicable. - Shareholders / UBOs who do not operate the account upload a clear identity document (passport or ID, both sides). - Power of attorney / signing authority document if required. Company documents (upload in app) - Articles of incorporation - Tax identification certificate - Deed of current administrative body Optional documents may be requested in the Other documents dropdown (source of funds, registry extracts, and similar). Sign company documents The legal representative signs electronically (SMS code): - PEP declaration - Beneficial ownership certificate (titularidad real) Non-Spanish representatives may also sign a tax residence and data declaration (ANR). Status shows Waiting for all documents and people to be verified until complete. Onboarding step 6: Activate your IBAN (Step 6 of 6) Tap Continue for secure contract signing. After signing and SEFIDE provider consent, your IBAN is ready. Part 3: SEFIDE consent Approve access to user data, account access, and payment orders. Sign the electronic money account contract via SMS code. Part 4: Ready to use Your business dashboard opens with Home, Wallet, and Transactions. Questions: support@moneybeat.eu or compliance@moneybeat.eu.