🇪🇺 Qoyla · Europe

Calm money, in euros.

From Lisbon to Berlin. SEPA transfers, PSD2 open banking and a diaspora heart. Qoyla reads your accounts through your bank, keeps obligations protected, and runs the EU → home corridor without the monthly scramble.

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Built on the rails you already use

PSD2 open bankingRegulated, revocable read access through your own bank, the consent model Europe wrote into law.PSD2 · SEPA
Eurozone-wideOne safe-to-spend across accounts in any euro country, and multi-currency for the UK, CH and Nordics.EUR · multi-currency
EU → home corridorsSupport to Lagos, Nairobi, Accra or Cairo, reserved on payday, sent at the fair rate, recorded at both ends.

What it looks like here

Salary month, mapped

Rent, utilities and subscriptions reserved the day pay lands, before the weekend finds the rest.

Subscription decoding

The €9.99s that quietly stack, found, explained, and one tap from cancelled.

Euros with a plan

Idle balances matched to regulated options, matured to your date, stated yield, stated access.

Through institutions you know

Qoyla reaches you inside partner banks’ apps or directly. The contract is identical in every market: we read with your consent, propose with reasons, and move nothing without your yes, every action sealed in a record you can open.

Your money, clearer this month

Connect through your bank and see your first safe-to-spend in minutes.

Get startedHow pricing works