Overview
Moss, at a glance.
Moss is an e-money institution headquartered in Germany, regulated by BaFin. Business accounts cost from €0 a month. Opening an account takes 3–5 days.
Customer funds are kept separate from Moss's own assets and held with Deutsche Bank in dedicated accounts. This is safeguarding, not deposit insurance.
Why businesses pick Moss
- Free plan for up to three users with unlimited virtual cards
- Corporate cards, invoices and expenses in one tool
- Licensed as an e-money institution by BaFin, with funds held at Deutsche Bank
- Bank transfers in 70+ currencies
Watch out for
- Paid plans are priced by quote
- Card spending in another currency costs 2%
- Holds only euros and dollars
- Accepted countries, industries and opening time are not published
Business fit
Will Moss accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Moss's published rules
Needs review
Moss works with Startups and SMEs, but does not publish the countries it accepts companies from.
Moss does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Moss publishes about the businesses it takes on.
Who Moss serves
- Startups and SMEs
- Executives and finance teams
- IT and software
- Professional services
Not supported
Industries and countries Moss does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Moss?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
2 currencies
- EUR
- USD
Payment reach
Not published
Who can apply
Company incorporation countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Not publishedPricing
What does Moss cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Not published
Monthly fee
Free
Free
€0 per month
Setup fee not published
Paid plans
Custom
Transaction fees
Other fees
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Virtual card issue | Free | No charge |
| Card FX | 2% | Percentage of the amount |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online or through the sales team.
- 2
Company and people
Give the company's registration details, directors and owners.
- 3
Checks
Upload the documents requested and complete identity verification.
- 4
Account live
Once approved, the account is opened and you receive its details.
Documents you need
Not published
FAQ
Your questions, answered.
Is Moss a bank?
No. Moss GmbH is an e-money institution licensed by the German regulator BaFin, number 159024. Customer funds are held at Deutsche Bank.
How much does Moss cost?
The Free plan covers up to three users. Larger plans are priced by quote. Card spending in another currency costs 2%.
Does Moss offer cards?
Yes. Virtual and physical corporate Mastercard cards, with limits and merchant controls.
Which currencies does Moss hold?
Euros and US dollars. Bank transfers can be sent in more than 70 currencies.
Alternatives
How Moss compares.
If Moss is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
| MossThis pageE-money institution |  | Expense cardsFree plan |
| PleoE-money institution |   | Expense cardsSpend management |
 SpendeskPayment institution |  | Expense cardsSpend management |
 SoldoE-money institution |  | Expense cardsSpend management |
 PayhawkE-money institution |  | Expense cardsSpend management |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.