The multi-currency account that does it all.
Go beyond traditional finance with £ and € accounts, treasury, cards, payments, and more. Everything in one place.
Trusted by funded European startups
Not just an account. A complete financial operating system.
Most startups juggle four to six tools to manage their finances. Seapoint replaces them all. Get treasury, cards, invoice payments, bookkeeping, reporting, and payroll - all in one platform.
Virtual cards for your team and subscriptions. Unlimited virtual cards, every transaction categorised and synced to Xero.
Explore CardsInvoices from your inbox, paid in one click. Seapoint finds every invoice in your inbox and lets you pay instantly.
Explore Invoice PayYour books, kept current automatically. Every transaction categorised the way your accountant already does it. Synced to Xero.
Explore BookkeepingReal-time cash, burn, and runway. Every account connected. Your financial position, always up to date.
Explore Reporting£ and € payroll in one click. Upload your payroll document. We read it. You review, approve, and pay.
Explore PayrollUp and running in minutes.
Apply online and start using Seapoint the same day. No lengthy onboarding, no revenue requirements, no waiting weeks for approval. GBP and EUR accounts ready when you are.
Send and receive money seamlessly.
Instant EU payments, international transfers, and scheduled payments from one place. Connect your inbox and Seapoint turns every invoice into a one-click payment. No copy-pasting IBANs, no manual reference numbers.
Everyone sees what they need. Nothing more.
Founders get full visibility across every product. Accountants get their own login to manage bookkeeping and payroll directly. Employees see only their own cards and transactions. Role-based access built in from day one.
A real human who knows your business.
Every Seapoint customer gets a dedicated relationship manager who understands startup structures, venture capital, and what scaling actually looks like. Not a chatbot. Not a support queue. Someone who picks up the phone.
Funds ring-fenced. Protected & Safeguarded.
How our partners are regulated
Modulr Finance B.V. (FRN: R182870) — authorised and regulated by the Dutch Central Bank (DNB) 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 EEA customers, funds are held at Stichting Custodian Modulr Finance, a Dutch foundation that holds your funds on trust, with an additional 2% regulatory capital requirement.
Powered by Modulr
Seapoint Finance Limited partners with Modulr Finance B.V. — the payment infrastructure behind leading European fintechs.
“I finally have a bird's-eye view of my finances and can make better business decisions. Seapoint replaced multiple vendors - cards, expenses, invoices, payroll - all in one place.”
Luke Mackey
Founder & CEO, Kota
