Overview
Keep track of your accounts
- View all account balances in one application.
- Analyse your expenses through automatic categorisation.
- With two-factor authentication and encrypted connections.
Cash management
Make better, data-informed financial decisions with ease. Manage all your accounts through Pile's interoperable platform.
Decide
Make sound financial decisions
Use data analysis tools for investment decisions, budgeting, and long-term financial planning, and create detailed financial reports.
Act
Bank faster
- Log in once - without multiple passwords and login details.
- Transfer funds from different accounts in just one app.
- Recognise the need for action and intervene quickly.
Automations
Lean back and run on autopilot
Save time by steering your team's focus away from operational tasks. Let payment automations take care of moving your funds between your accounts.
Connect to over 5,000 banks in Europe
After connecting your bank accounts, Pile syncs with your banks and presents all your banking data together. You can carry out transactions, view account balances, and retrieve your account history. Pile connects to 5,000+ banks. View the full list
Some banks can be connected, but payments can’t be initiated from Pile.
See which banks allow payment initiation
We are an international company with entities and multiple bank accounts across all major European countries. Pile allows us to do consolidated cash reporting within minutes instead of hours.
Alexandre Costa Prata
Chief Business Development Officer
Indiecampers
Pile’s pricing plans at a glance
STARTER
For getting started with treasury
Quick setup and can be used without prior knowledge. Perfect for startups.
ADVANCED
For fast growing teams
Perfect for startups that don’t have their own treasurer on the team.
PRO
For scale-ups and venture funds
For businesses with higher demands on payments and money management.
Features for every one of your needs
Free transfers in Europe
Easy to set up SEPA and instant payments anywhere, without any costs.
Intelligent payment automation
Set up automated transfers based on balances or dates across your accounts
3%* p.a. earnings
Earn 3%* p.a. on every euro in your Pile Treasury Account
Advanced transaction search
Find any transaction on any account. You can search for creditors, references, dates, amounts, and much more.
Easy reporting
Export detailed transaction data across all your accounts. No need for multiple log ins or tedious manual data gathering.
Multi-entity accounts
Open multiple Pile treasury accounts for all your businesses and manage them with a single login
*Minimum deposit €1,000. Percentage subject to change.
FAQ's
What is Pile?
Pile is a treasury service app for high-growth startups from seed to Series C, as well as business angels and venture capitalists. Pile includes a bank account and access to various product features such as fixed deposits and overnight money, and allows you to set up your entire banking setup across multiple banks and view everything in a single dashboard overview. Pile helps you grow, manage and keep your capital safe.
Why should I use Pile?
If you're a high-growth startup or work with venture capital in general, you're probably looking for a place to keep your capital safe but also effective. Pile helps you do that.It's the central place where the European startup scene keeps their money - with pooled views across multiple bank accounts and access to a range of financial instruments from fixed deposits to overnight money.Whether you are just starting to build a good bank portfolio or already have two to three accounts spread across Europe, Pile is the best option to keep everything in view and therefore under control.
How much does Pile cost?
Pile's services are available from a basic fee of €29 per month, which covers both the cost of the bank account, connecting external bank accounts and access to financial products such as fixed deposits or overnight money. For further features, such as automated payments, different price plans are available depending on the size of your business and the number of bank accounts you want to integrate, as well as the amount of capital deposited.
Is Pile a bank?
Pile itself is not a bank, but a technical service provider that does not offer regulated financial services. All regulated financial services are operated by our banking partner, Swan, who are a registered e-money institution and a EBA-STEP2 BNP Paribas SEPA Indirect Participant, thereby under the supervision of the European Banking Association, BaFin in Germany and ACPR in France.
What are the requirements to open a Pile account?
To open an account with Pile, your business must be based in Europe and registered with the local tax authority. We welcome businesses of all stages of development and sizes.
How long does it take to open a Pile account?
Registration takes about 10 minutes. The account approval process depends on the partner bank's Know-Your-Business (KYB) and Know-Your-Customer (KYC) processes, which usually just takes a couple of hours, depending on the complexity of your business structure.
How are my deposits protected?
All Pile partner banks belong to the European Deposit Guarantee Scheme, which means that in the event of a bank insolvency, deposits up to €100,000 are protected and will be returned in full within seven working days. At the same time, Pile makes sure to work with the best and most secure banks, to provide a hassle free financial service.
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