For you, personally

Your money.
At your pace

FLIQ brings your accounts, invoices and payments into one place. Pay straight from your bank account.

Get access to FLIQ See how it works

How it works

Three steps. Then you're set

No new bank, no new card. FLIQ sits on top of the accounts you already have and makes paying simpler.

1

Connect your accounts

Create an account and pick the bank accounts you want in FLIQ. Under a minute.

2

Pay directly

Scan the invoice or choose who to pay. The money leaves your bank account directly and arrives in seconds.

3

Keep track of it all

Balances, receipts and upcoming payments in one view. You see where the money goes.

Coming soon · Invoice payments

Pay invoices straight from your bank account

No card needed. Choose your bank, approve the payment — the invoice is paid. Fully traceable — and soon available to everyone in Sweden.

  • Any Swedish bank account
  • No extra steps
  • Done in seconds
More on invoice payments
FLIQ invoice payment — choosing a bank and approving

The FLIQ app

Your whole money life in one app

Invoices, receipts, sending money and getting paid — one place, all your banks. Invoice payments come first; the rest arrives with the app.

See how the app works
The FLIQ app — paying an invoice
First up

Pay invoices

Scan the invoice, pick an account, approve.

The FLIQ app — overview of accounts and balances
With the app

An account in a minute

Sign up with email, Google or Apple — then connect your bank.

The FLIQ app — moving money between accounts
With the app

Move money

Between your own accounts and banks, in a couple of taps.

Everything you can do

One platform. Many ways to pay

We build FLIQ feature by feature. Here's what's on the way.

Invoice payments

Pay the invoice straight from your bank, no card.

Soon Split Pay

Split the bill in seconds. One tap, fair shares.

Soon Gift cards & coupons

Keep gift cards and offers in the app.

Soon Bonus system

Rewards that feel earned, not engineered.

Soon Pay in store

QR at the counter. Your phone is enough.

Soon Offline payments

Pay even when the connection drops.

Soon Cross-border payments

Send money across Europe at fair rates.

Soon
A paraglider over mountain peaks at sunrise

Freedom

Freedom in every
transaction

Money should feel like motion — light, unobstructed and entirely yours. No blocked cards, no fees you don't understand, no waiting.

Our values

Four letters.
One philosophy for how payments should feel.

Fast

Built to feel instant and obvious. An experience that moves at your pace.

Loyal

Built for the long term and for trust. Something you want to keep using.

Intelligent

Behind the simplicity sit smart solutions that make everyday life easier.

Quality

Every detail crafted with precision and feel. We ship nothing we wouldn't use ourselves.

Security

Built on the bank's own rails

You approve every payment yourself

No payment leaves your account without your own confirmation at your bank.

We store no card details

There is no card number to leak. Money moves directly between bank accounts over regulated payment rails.

Regulated under European law

FLIQ operates within PSD2 and EU payment-services rules. Your data is yours — we don't sell it on.

What's next

FLIQ gets better every month

We build in the open. This is the order we're working in.

First up

Invoice payments

Pay invoices straight from your bank, no card and no extra steps.

Next

The app, for everyone

All of FLIQ in your pocket: send, receive, collect receipts and follow spending.

After that

Split Pay & bonus

Split the bill with friends and earn rewards at merchants you already use.

On the way

Cross-border & offline

Payments between countries, and a way to pay when the network isn't there.

Want to influence the order? Join the waitlist and tell us what's missing.

Get started

Be among the first to get FLIQ

Invoice payments come first. Leave your email and we'll reach out when they and the app open — no noise, just a note when it matters.

Limited early access · 2026

Running a business? See FliqAI and Fliq Payments