Owwn

Owwn is a mobile‑first bank that combines a free basic account with optional premium plans, letting users handle everyday payments, shared family finances, and travel spending in a single app. The platform also offers commission‑free trading of stocks, ETFs, and over 400 cryptocurrencies, automated savings plans, and an ECB‑linked interest‑bearing savings account, all secured with biometric authentication.

Traction 10/10

Berlin, Germany · HQ

Founded 20211.6K

Applications
Financial Technology
Software Only

Updated 5 months ago

Funding

Raised to date

$900.1MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.

Funding rounds are not available yet.

Founders

2 founders

Maximilian Tayenthal

Co-founder

Valentin Stalf

Co-founder

Product

Problem

Traditional banking often requires visiting branches, involves hidden fees, and separates core banking from investment services, making it cumbersome for users who want a unified, low‑cost financial experience.

Solution

Owwn provides a fully mobile banking platform that combines a free basic account with optional premium plans, allowing users to manage everyday payments, shared finances, and travel spending from a single app. The service includes a dedicated IBAN for joint accounts and parental controls for cards under 18. Integrated trading lets customers buy and sell stocks, ETFs, and over 400 cryptocurrencies without commission, while automated savings plans and an ECB‑linked interest rate help grow cash balances. Travel‑focused cards offer cashback, competitive exchange rates, free ATM withdrawals abroad, and lounge access. All features are accessible instantly after identity verification, eliminating paperwork and branch visits.

Target Audience

Owwn targets digitally savvy consumers in Europe who want a single, low‑cost solution for everyday banking, shared family finances, and self‑directed investing.

Features

Free standard account with a virtual card and monthly free ATM withdrawals
Joint accounts with a dedicated IBAN and customizable spending limits for under‑18 cards
Commission‑free trading of stocks, ETFs, and 400+ crypto assets, plus automated savings plans
ECB‑linked Instant Savings account offering interest rates tied to the European Central Bank
Travel card benefits including cashback, best‑in‑class exchange rates, free overseas ATM withdrawals, and airport lounge access
Secure authentication via fingerprint, face recognition, 3D Secure, and Mastercard Identity Check
Seamless account switching tool to migrate from existing banks in minutes
Optional premium plans (Smart, Go, Metal) with added features such as higher ATM limits, insurance, and enhanced travel perks