Banking has never been simpler

AFO cards and payments. Open your own digital multi-currency accounts super-easily. We offer private or business accounts just within 24 hours with globally accepted mastercards.

It has never been faster and easier to apply

Open your digital multi-currency private or business account just within 24 hours with globally accepted Mastercard(s).

Just register to our website and open a digital personal or business account.

Get Started
Pay out your employees or agents in seconds

Your employees, agents or partners gets their own Family Office cards tied to your company’s digital business wallet

Start receiving and sending transfers globally

Collect and transfer funds anywhere you want regardless of the recipient is a private person or a company

Collect, Hold & Send funds in more than 10 currencies

View the funds you’ve collected online. Repatriate funds at competitive FX rates and make payments quickly and securely

Use your card anywhere

Over 210 countries

37 million locations

2.6 million ATMs

Unlike most of the Banks, we welcome Estonian E-residents

Estonia has created a borderless digital society for global citizens as the first country to offer e-Residency. E-Residency is a transnational digital identity that anyone in the world can apply for to obtain access to a platform built on inclusion, legitimacy and transparency.

E-residents then have access to the EU business environment and can use public e-services through their digital identity.

The primary reason e-residents are joining this community is to run a trusted location-independent EU business online with all the tools needed to conduct business globally.

A Family Office Banking

AFO-card is an e-account and prepaid card-based service, providing you with a simple solution for international digital business banking.

A Family Office Ltd was created with the definite purpose of helping companies and individuals to deal with the global banking challenges.

The banking sector has rapidly switched to long and complicated account opening procedures and expensive services. Thanks to our easy approach, you will be able to get through all of these difficulties in a fast and smooth way.

We provide safe, quick, and cost-effective solutions for global and offshore banking transactions.


What we do is based on the outstanding professional knowledge of experts and cutting edge technology.


You will have control of your money. It's your money and you should have control of it, not the bank.


Funds are stored in the major European banks. Our customers’ funds will never be reinvested by us.


Mark Johansson

London, UK

Thank you for a easy and flexible account opening process for my Swedish company


Kiel, Germany

Thank you for helping me with my Estonian e-residency based corporate accounts

Kimmo Mäkelä

Oulu, Finland

Your Payroll solution has made my life so much easier for paying salaries for my global team


Tallinn, Estonia

Thank you for providing such an easy solution for managing my Small Business payments. Your internet bank provides everything what is needed, no unneeded extras added.

Björn Svensson


Application process was maybe the most simple I have ever seen.

Got any questions? Ask us anything!