Full financial control for startups.
Seapoint is the AI-native business account for European startups. Connect your existing banks, Gmail and Xero, and automate treasury, invoice payments and bookkeeping — up and running in 10 minutes.
Europe's most ambitious startups are already on Seapoint
Go from tool sprawl to clarity in three easy steps.
Connect your bank accounts, inbox, and Xero in minutes. Automate accounts, invoices, payroll, and books. No migration or switching needed.
Automate the work. Grow your money. One platform.
Payroll, invoices, treasury, cards, book keeping - all running natively on Seapoint with live integrations and AI.
Real-time visibility across every account.
Consolidated cash, burn, and runway in one view. Open banking pulls live balances from every account you already use.
AI categorises. Xero syncs in real time.
AI-powered categorisation learns your patterns. 2-way Xero sync keeps your books current without manual reconciliation.
Upload your pay run. Everyone gets paid same-day.
Parse payroll files, review, approve with one click. Batch payments via Faster Payments and SEPA Instant.
Capture, approve, pay - one screen.
Extract invoice details from your inbox automatically. Sender, inbox, and full email body surfaced alongside the PDF so you can spot errors before you approve.
The tools you already use, pre-connected.
Xero, Gmail, Outlook, Stripe, and 2,000+ banks via open banking. More added regularly.
Financial products
A business account, with cards, treasury, and more. Built with regulated financial partners.
Business Accounts
GBP, EUR and USD. Send and receive globally with transparent FX - no hidden markups.
Explore Business Accounts
Team Cards
Virtual cards with real-time spend controls. Tied into your consolidated dashboard automatically.
Explore Team Cards
Treasury
Earn 3.49%* on idle capital. Withdraw same-day**. Your raised capital earns returns through BlackRock's UCITS-registered Money Market Fund.
Explore Treasury
“Seapoint has an AI native stack in a way that many others in this space who've been around four, five, six more years do not have... that's what gives me confidence.”
“I've just run my first payroll through the platform. Given I was manually having to do that with individual transactions in the Monzo app, that's been a particular time saver.”
“If you can have a product that consolidates your bank accounts, provides you with options in terms of creating accounts, and automates bookkeeping and payroll, why would you not use it”
Startup-focused capabilities. Institutional-grade safeguards.
How our partners are regulated
Modulr FS Limited (FRN: 900573) — authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution.
Funds ring-fenced
Funds held in segregated accounts under the Electronic Money Regulations 2011. Not lent. Not used for corporate operations.
Safeguarded & Protected
For UK customers, Modulr FS Limited safeguards your funds by holding them in segregated, designated client accounts at authorised credit institutions, in line with the Electronic Money Regulations 2011.
Powered by Modulr
Seapoint Finance UK Limited distributes Modulr FS Limited — the payment infrastructure behind leading European fintechs.
Built to give founders hours back.
Save 10–20 hours a month on finance admin
Replace 4–6 tools with one. Seapoint automates payroll, invoices, expenses, treasury, and books - so you approve outcomes, not do the work.
Full control in 10 minutes
Connect your accounts via open banking, see consolidated cash, burn, and runway on day one.
Books your accountant actually likes
AI categorises every transaction across every connected account. 2-way Xero sync keeps the books clean in real time - month-end takes minutes, not days.
Works with 2,000+ banks and finance tools
Open banking across every account, plus native sync with Xero, Airwallex, Stripe, Gmail, and Outlook. No migration, no duct-tape.
Frequently asked questions
Get your full financial picture in 10 minutes.
*Rates are indicative and subject to change. Treasury is an investment product, not a deposit. Capital at risk.
**Same-day liquidity applies to instructions received before 10AM UK time on a UK business day. Instructions received after this time, or on weekends and UK bank holidays, will be processed the next business day.