Turn every deposit into a plan—automatically
Connect your accounts, set simple rules, and let FlowBank handle allocations. AI helps you keep more of what you earn.
Connect your bank
Securely link your accounts (via Plaid). FlowBank never stores your credentials and uses read-only access.
Create income splits
Tell FlowBank how to allocate each deposit—e.g., 40% Operating, 20% Taxes, 15% Savings, 10% Marketing, etc.
Automate & analyze
When income hits, your rules trigger. Get AI insights on taxes, spending, and opportunities to save.
Example split
A $5,000 deposit could automatically route funds to the right places—no spreadsheets needed.
- Operating (40%)$2,000
- Taxes (20%)$1,000
- Savings (15%)$750
- Marketing (10%)$500
- Buffer (15%)$750
AI insights (Starter & Pro)
The AI Financial Advisor reviews your transactions and highlights immediate wins.
- • You could save ~$68/mo by canceling two duplicate subscriptions.
- • Consider raising Tax allocation to 22% based on year-to-date income.
- • Detected potential deductible expenses: software, advertising, mobile.
Rules-based splits
Percent or fixed-amount rules with priorities, caps, and minimums. Works for individuals and businesses.
AI Financial Advisor
Actionable suggestions on deductions, recurring spend, and savings—tailored to your activity and plan.
External account routing
Send money to outside accounts (limits by plan). Perfect for taxes, savings, or partner payouts.
Team & approvals
Invite teammates, set roles, and require approval for large transfers on Pro & Enterprise.
Real-time analytics
Track deposits, allocations, balances, and trends. Export data whenever you need it.
Secure by design
OAuth + tokenization, read-only connections, and role-based access. You stay in control.
Bank-grade protection
We use OAuth, tokenization, and read-only connections to access transaction data. Role-based access controls keep team data safe.
You control your data
Disconnect any time. Export your history whenever you need it. We never sell your data.
Best-practice standards
We follow industry best practices for encryption, secret management, and audit logging across environments.
Frequently asked questions
Is FlowBank a bank?+
No. FlowBank is a financial automation tool that connects to your existing bank accounts securely.
Do rules run automatically?+
Yes—when income hits the connected account, your rules trigger and allocate funds based on your configuration.
Can I change my splits later?+
Absolutely. Edit, reorder, or pause rules anytime. Changes apply to future allocations.
How does the AI feature work?+
AI analyzes transactions to surface tax deductions, duplicate subscriptions, and savings opportunities. Free has limited insights; Starter/Pro unlock more.
What are external account limits?+
Free: 0, Starter: 1, Pro: 5, Enterprise: unlimited. You can manage and verify destinations from your dashboard.
Ready to automate your money flow?
Start on Free and upgrade when you’re ready. Manage add-ons like AI and extra seats anytime.