The €137 Monthly Drain: How Expats Lose Money Across Borders

Expats managing accounts across multiple countries face a fragmented financial picture that hides recurring costs—forgotten subscriptions, currency conversion fees, and duplicate services silently drain hundreds monthly. FLOW addresses this by aggregating bank statements across languages and borders to reveal hidden spending patterns and financial leak points. This matters because these hidden costs significantly impact personal finances and long-term financial planning, especially for major decisions like mortgage applications.