Lower costs.
No hidden fees.
With transparency
as standard.

Open a business account from your phone. Use digital and physical debit cards. Send and track certified invoices. Make payments with ease. In one easy-to-use super-app.

Run the cost-effective business you need

Rauva Starter

Free

Free account with physical and virtual cards, plus a free invoice and additional invoices available at just 0.8€

Choose Free
If one card transaction is made per month, otherwise a 3€ monthly fee

Rauva Charged

8€/ month

Portugal’s first business account and certified invoicing tool. Powerful, fast, easy.

Choose Charged
1st month free

Rauva Supercharged

20€/ month

Business account and certified invoicing tool as standard. With boosted payments and invoicing features.

Coming Soon
Choose Supercharged
1st month free

Compare plans

Features

Rauva Starter

Free
Choose Starter

Rauva Charged

8€ / month
Choose Charged

Rauva Supercharged

20€ / month
Choose Supercharged
Open a business account online, in minutes
SEPA payments
(cost per additional SEPA 0.20€)
5/month 20/month 100/month
Virtual cards 1 3 10
Send and track certified invoices
(cost per additional invoice 0.80€)
1/month 10/month 50/month
Physical Mastercard in the post
(cost per additional card 7€)
Educational content
Premium customer support
Card cancellation hotline: 24/7
Mobile app (iOS & Android)
Real-time notifications
30-day free trial

Rauva Starter

Free
Choose Free
Features
Open a business account online, in minutes
SEPA payments
(cost per additional SEPA 0.20€)
5/month
Virtual cards 1
Send and track certified invoices
(cost per additional invoice 0.80€)
1/month
Physical Mastercard in the post
(cost per additional card 7€)
Educational content
Premium customer support
Card cancellation hotline: 24/7
Mobile app (iOS & Android)
Real-time notifications
30-day free trial

Rauva Charged

8€ / month
Choose Charged
Features
Open a business account online, in minutes
SEPA payments
(cost per additional SEPA 0.20€)
20/month
Virtual cards 3
Send and track certified invoices
(cost per additional invoice 0.80€)
10/month
Physical Mastercard in the post
(cost per additional card 7€)
Educational content
Premium customer support
Card cancellation hotline: 24/7
Mobile app (iOS & Android)
Real-time notifications
30-day free trial

Rauva Supercharged

20€ / month
Choose Supercharged
Features
Open a business account online, in minutes
SEPA payments
(cost per additional SEPA 0.20€)
100/month
Virtual cards 10
Send and track certified invoices
(cost per additional invoice 0.80€)
50/month
Physical Mastercard in the post
(cost per additional card 7€)
Educational content
Premium customer support
Card cancellation hotline: 24/7
Mobile app (iOS & Android)
Real-time notifications
30-day free trial

Open your business account and unlock simplified invoicing.
On your phone. In 5 minutes.

Send and track certified e-invoices. Mandatory in Portugal. Done with ease.

Manage your expenses effortlessly with real-time data.

Access all your business insights. With education along the way.

Open your account

Get set up in minutes.
From your phone. Without going to the bank.

Your Digital Card

Get our digital card for payments in the palm of your hand.

Get your debit card

Get your physical debit card in the post. No more queues.

Learn more

Make Invoices Easy

Send certified e-invoices, invoice receipts and credit notes. Embedded on your phone. Beautifully simple.

Manage Your Clients

Centralize your operations and manage everything in one place. Bye bye paperwork.

Track Your Invoices

Track invoices on one clean dashboard and see when they are received, paid and overdue.

Learn more

Useful Insights

Categorise, track and understand your finances.

Spend less time with your accountant

Effortlessly organise your business documents.

Make invoices easy

Get all your expenses summarised in one report. Automatically sent to your accountant each month.

Understand your finances

Access all your business insights for easier decision making in one simple dashboard.

Get real time notifications

Keep on top of spending limits, budgets and business transactions with alerts.

Expand your knowledge

Get access to jargon-free educational content to supercharge your business. 

Protected. Trusted. Safe.

Safe guarded

We hold your money with established financial institutions, so it’s separate from our own accounts.

Data protection

We’re commited to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you - and only you - can get to your money.

Still not sure?

What type of businesses does Rauva onboard?

For the time being Rauva can onboard:

  • Freelancers
  • ENI (Sole proprietor)
  • Single-Member Company
  • Limited liability Company
Is Rauva's invoicing compliant with AT (tax authority)?

By partnering with InvoiceXpress, we can guarantee that the invoices created with Rauva are certified and fully compliant with the AT (Tax Authority). The certification process ensures that our invoices are legally binding and follow the the regulatory standards for invoicing in Portugal, giving our clients peace of mind.. Additionally, our partnership allows for seamless integration between multiple platforms, which gives our clients one place to handle their business account, manage their invoicing and accounting needs. This integration leads to increased efficiency and productivity for our clients, allowing them to focus on growing their business without worrying about the complexities of invoicing and compliance. Overall, our partnership with InvoiceXpress provides a compliant, comprehensive and reliable solution for all invoicing needs.

How safe is my money with Rauva?

Rauva, associated with BNP Paribas, follows regulations set by ACPR/Banque de France to ensure the safety and stability of the French financial system. The ACPR was established by the French government in 2010 to ensure banks comply with supervisory regulations and safeguard client funds. By adhering to these regulations, we guarantee your accounts' security.

To keep your money safe, we follow a strict rule: Rauva cannot access it. Your account is personal and only you can access your money. Even if Rauva goes away, your money will still be available to withdraw. We only work with Tier-1 banks in Europe, such as BNP Paribas, to ensure your money is in the best hands. Your account is protected by law and insurance against bankruptcy and external creditors of Swan and Rauva.

Additionally, in the unlikely event that BNP Paribas ceases to exist, the French Deposit Guarantee and Resolution Fund (FGDR) guarantees all accounts up to 100k EUR per person, regardless of whether it's a business, individual, or freelancer account. Your hard-earned money will always be protected.

What is the difference between Rauva and other apps?

Rauva is a business super-app for entrepreneurs that offers you several advantages. Here are its three main features:

  1. Mobile-Only: Rauva operates entirely through its app, allowing you to manage your finances from your phone.
  2. User-Friendly: The app is designed to be easy to use, with clear visualizations of your finances and intuitive menus for transactions.
  3. Super-App: Rauva is more than just a business account. Along with managing your finances, you can send certified invoices, track expenses and use accounting tools (coming soon).

Rauva helps make entrepreneurship accessible to all by providing a modern and user-friendly banking experience, so you can focus on growing your business.

What if Rauva doesn't fit my needs?

With Rauva, you can open a business account in 5 minutes, on your phone, and enjoy a 30-day free trial. If you don’t find Rauva useful for your business, you can cancel at any time. Always transparent. No hidden fees.

Download Rauva

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