free beta

xpate Stacks

Drag-and-drop cross-border payment solution

hands image

All you need is on the tip of your finger.
Stacks allows companies and private customers to manage their finance in a completely new way

You can perform any asset management activity with a simple drag-and-drop gesture

Euros

We take the physical objects and transfer their behaviour into our interface. Money is still kept in stacks, transaction movements remind of the actions we make when dealing with banknotes.

We have designed the interface easy enough even for a child to use it
A Truly Magical Experience
What does
each user get:

EUR bank account

Unique design solution

Seamless xpate-to-xpate transfers

Cross-border bank transfers in EU and beyond

Individual International Bank Account Number (IBAN) issued in United Kingdom

No monthly maintenance fee & transfers for free * For beta users until the end of 2021

One gesture for everything

Сonduct any financial transaction with a simple action. Just drag and drop a stack with your index finger.

Send01
Top-up02
Receive03
Payout04
Exchange05
Send01
Top-up02
Receive03
Payout04
Exchange05
Send01
Top-up02
Receive03
Payout04
Exchange05

Stacks works faster than other services

Compare the time from login to money transfer:

70
seconds — traditional banks
8
seconds — xpate

Yeah, a second saved is a penny earned. Just multiply your hourly rate by 10. Taking care of your time pays off, doesn’t it?

Even bigwigs
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Even bigwigs
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
are People
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
are People
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
first of all
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
Euros
first of all

Our interface has an emotional response because nobody wants to talk to a robot. And we know it.

Think outsideeeeethe boooringold financialsystem

Find your best way to use Stacks. Experiment! It is easy to manage your money with Stacks.
Allow yourself more with us.

join the community
Stacks
Roadmap

We’re constantly improving Stacks. See what we did and what coming up soon.

Accomplished
  • Built in-house tailored core-banking software
  • Got non-connected BIC code XPTTGB22
  • Got non-standard sort code 00-99-13
  • Obtained SCT adherence with European Payment Council
  • Obtained SEPA IBAN ONLY Directory participation
  • Launched WebApp for Business
  • Can issue own GB IBANS for xpate customers
  • Launched WebApp for Individuals
Coming up next in 2021
  • Multicurrency Stacks and Stack Exchanges
  • Implementation of GBP clearing
  • Payment Pages for fast acceptance of Card payments and transfers
  • Implementation of SEPA Instant
  • License application in EU jurisdiction
  • Debit Card issuing
  • Active SWIFT membership
  • Launching a Mobile App
  • Completion of the beta testing phase and launch in Europe and the UK 🚀

It's time to open an account!