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With mobile wallet transactions expected to rise to $708bn in Europe by 2025, we need to simplify payments. VitraCash has launched a smart debit card & app that selects the best card for every transaction. With 15k on the waitlist they are now raising to launch publicly, grow their team & build more features.

  • Patent pending AI algorithm designed to make payments simpler
  • 15k+ users on their waitlist
  • Partnership with Mastercard, granting access to +80 million retailers globally
  • 13 team members building features like cryptocurrency & open banking

Idea

Fintech has exploded in the last few years. With such a broad range of cards, we believe it has become almost impossible to keep track of all benefits & hidden fees, making it confusing & overwhelming to get the best deal.

VitraCard combines all of a customer’s banking & payment accounts in one app & card. It prioritises the best card for each purchase based on factors like rewards, transaction fees and FX rates. The app gives users an overview over all their accounts & lets users control how their VitraCard works.

Our business model is based on interchange fees & premium plans. We get up to 1.5% of the total transaction volume & plan to offer premium plans with additional benefits in future.

Together with our partners Marqeta & Checkout, we launched a private beta to testers from our Crowdcube investor base. In the first 4 weeks, we processed more than £200k from 100 users. We have a 15k+ waitlist.

We have experienced a great reception from the start-up & fintech communities. On March 29th we were speakers at Moneylive Summit alongside companies like Revolut, Google and Meta.

We are eager to open our product to the public & engage in more partnerships to integrate Open Banking, Apple & Google Pay, Cryptocurrencies & Wearables.

We are now fundraising to further grow our team, increase our marketing budget, & work to acquire licences with a plan to make us more independent.

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Risk warning

Investing in start-ups and early stage businesses involves risks, including illiquidity, lack of dividends, loss of investment and dilution, and it should be done only as part of a diversified portfolio. Crowdcube is targeted exclusively at investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. You will only be able to invest via Crowdcube once you are registered as sufficiently sophisticated. Please click here to read the full Risk Warning.

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Investment opportunities are not offers to the public and investors must be eligible Crowdcube members. Further restrictions and Crowdcube's limitation of liability are set out in the Investor Terms and Conditions. Please seek independent advice as required as Crowdcube does not give investment or tax advice.

VITRACASH has been given advance assurance by HMRC that the proposed share issue is likely to qualify for Enterprise Investment Scheme (EIS) tax relief.

Tax relief is available to individuals only, with income tax relief currently set at 30 per cent of the cost of the shares for the tax year in which the investment was made. The tax reliefs can also reduce your Capital Gains Tax bill. Read More.

Availability of tax relief depends on your individual and the company’s ongoing circumstances and applicable law.