For SMEs

Every account, working at the best rate.

Your cash is spread across banks and accounts that pay you next to nothing. Numo brings it into one view and routes every idle euro to the best net rate available, automatically.

Sitting at your bank
0.25%
Typical SME current account rate
Earning with Numo
2.1% net
Best net rate, daily liquidity

On €1M of idle cash, that gap is around €18,500 a year.

Why Numo for SMEs

Your cash is everywhere. Your yield shouldn't suffer for it.

Numo connects every account into one view, finds the idle balance wherever it sits, and routes it to the best net rate available, automatically. You keep all your banks; Numo just makes them work harder.

  • One dashboard across every bank and entity.
  • Idle cash moved to the best net rate, continuously.
  • No new banking relationships, nothing to switch.
All accounts, one view
Operating accountEUR€640K
Reserve accountEUR€1.2M
Salaries accountEUR€310K
VAT accountEUR€180K
Idle cash detected€1.74M
Routed to best net rate2.1%

Onboarding that takes minutes, not weeks

KYC and KYB are fully digitized. Verify your company, entities and beneficial owners online. No forms to print, no branch visits, no back and forth.

Fully digital KYC & KYB
Identity and business verification handled entirely online.
Multi entity, beneficial owners
Verify every entity and owner in your structure in one flow.
Live in days, not weeks
Skip the paperwork and start earning sooner.
The product

One platform across every account.

Numo unifies your banks, spots idle cash, and puts it to work at the best rate, with policies and a full audit trail on every move.

Connect

Every bank account, unified

Link every bank and entity through open banking in minutes. Bank grade, no migration, no new account.

Bankinter · EUR€2.1M
Revolut · EUR€1.4M
BBVA · EUR€820K
Santander · EUR€540K
Policies

Guardrails you set once

Define account buffers, counterparty caps, and allowed instruments. Numo operates strictly inside them, and never crosses a line.

Keep a cash buffer in every account
Max €2M allocation per counterparty
Only into approved instruments
Orchestrate

Real time sweeps

Surplus is swept to the best home for it, automatically, on your schedule.

Idle cash
Sweep
2.2% MMF
Runs daily at 11:30
Allocate

Treasury allocations

Diversify across money market funds, IG bond funds and deposits from regulated partners.

Money market funds44%
IG bonds fund34%
Term deposits22%
Forecast

Live cash forecast

Numo learns your flows and projects runway, so you always know what is safe to deploy.

Next 90 daysMin runway €12.4M
See the full product
See the impact

How much could your idle cash earn?

Drag the sliders to estimate your projected yield at 2.1% APY.

Yield calculator
Free cash€1,500,000
€50k€5M
Time horizon3 months
1 mo24 mo
Projected yield
+€7,875
over 3 months at 2.1% APY
Monthly accrual+€2,625
Total over period+€7,875

No lock ups. Yield depends on the instrument and the rate environment.

What that yield buys your team

Idle cash, put to work, in real terms, across Europe.

1
months of a senior engineer
3
MacBook Pros for the team
31
flights across Europe

Values are indicative.

Start today

Put your idle cash to work.

No bank switch, no lock ups. Connect an account and start earning in minutes.