Built for European SMEs

One platform for every euro in your business

Banking, payroll, benefits, taxes, and compliance. All AI-native. All in one place. Built from the ground up for European regulations.

Try the Payroll Calculator →
25M+ SMEs in Europe
5-7 tools they juggle today
1 platform to replace them all

The European SME tax: death by a thousand tools

Your business runs on Qonto for banking, PayFit for payroll, Personio for HR, a local accountant for taxes, and a spreadsheet for everything else. Each tool is another login, another invoice, another integration that breaks.

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Business Banking Accounts & cards €29/mo
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Payroll Software Salary runs €49/mo
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HR Platform People ops €59/mo
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Tax & Compliance Filing & audits €200/mo
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Benefits Admin Insurance & perks €39/mo
Bankora Everything above One price

Everything your back office needs

From opening a bank account to running payroll across borders. AI handles the complexity.

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Business Banking

IBAN accounts, corporate cards, instant transfers, and multi-currency support. Connected to everything else in Bankora by default.

Core
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Smart Payroll

Automated salary calculations, tax withholdings, and pay slips. Jurisdiction-aware. Runs directly from your Bankora account.

AI-powered
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Tax & Compliance

AI monitors regulatory changes across EU jurisdictions. Auto-files VAT, income tax, and social contributions. No more surprise audits.

Multi-jurisdiction
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HR & People

Onboarding, time-off tracking, org charts, and document management. Built into the same platform your employees already use for pay.

Unified
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Benefits

Health insurance, pension contributions, commuter benefits. Pre-configured for local regulations so your team gets what they deserve.

Localized
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AI Support Agent

Your team has questions about their payslip, leave balance, or tax forms. Bankora's AI answers instantly, 24/7, in their language.

Always on

Built for European complexity

Every EU country has different tax codes, labor laws, and reporting requirements. Bankora's AI compliance engine adapts to each jurisdiction automatically.

  • Automatic VAT calculations per country
  • Social security contribution rules by jurisdiction
  • Labor law compliance (working hours, leave, termination)
  • Real-time regulatory change monitoring
  • Audit-ready documentation always available
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Netherlands
Launching first
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Germany
Next up
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France
On the roadmap
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Spain
On the roadmap
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Italy
On the roadmap
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Belgium
On the roadmap

The back office European SMEs actually deserve

No more stitching together five different tools. No more guessing whether you're compliant. One platform. AI-native. Built for how Europe actually works.

Try the Dutch Payroll Calculator →