Frequently asked
questions about Floodlight

What is Floodlight?

Floodlight is the money management platform for modern businesses. 

With Floodlight you understand your finances, organise them, and then grow. Floodlight brings together all your financial data into a single dashboard and automatically organises your money so you know where you are right now, and where you’re headed. Our Floodlight Debit card Mastercard® helps you improve your margins as you spend with unlimited 1% cashback. It also helps you save money on international payments letting you open IBAN accounts in GBP and make payments via FASTER.

Dedicated to the growth of entrepreneurs like you, we provide around-the-clock support and  ongoing consultancy services given by world-class experts.

Who is Floodlight for?

Floodlight is made for small-medium businesses, for entrepreneurs and finance managers that need to organise their finances, to support the business’ growth.

Our expertise is in finance, and it’s here that we can guide you, push you and help you to break through any barriers that are holding you and your business back. 

Currently, we serve Limited Liability Companies only.

How do I get started?

Sign up now for FREE.

Is it free to sign up?

Opening a business account and getting Floodlight cards is completely free as are all transactions during early access. The only charge you’ll find with Floodlight is the 0.5% we charge on foreign exchange.

Card related costs (e.g., schemes FX conversion fee and ATM withdrawal), are, unfortunately, out of our control, and so some charges might apply, so it’s best to check with any suppliers you’re unsure on.

Is Floodlight available in my country?

Right now Floodlight is available for UK. More countries are coming soon.

Is Floodlight a bank?

Floodlight isn’t a bank, it’s a finance tech platform.

We are a tech company with an e-money institution (EMI) agent authorization, which means we can offer an array of financial services inside of a focused tech platform made for modern businesses looking to grow.

Our e-money accounts are provided by PayrNet, which is an FCA and Bank of Lithuania licensed EMI.

All the funds in our accounts are safeguarded in banks which means your money will only be withdrawn from your account when you make transactions like payments and transfers.

Your  funds are completely separate from Floodlight’s operational, and if Floodlight goes into insolvency, you will receive all of their funds in full.

How do I add/remove authorized users from my account?

To add/remove authorized users from your Floodlight account, log in to your account. On the bottom left corner of your screen, click on the three-dot icon next to your name and select “invite/remove a team member

How is Floodlight regulated?

Floodlight is the trading name of ELA Expeditions UK Limited (Firm reference number 903055), an agent of Payrnet Limited, which is the issuer of cards and accounts in the UK.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Card is issued by PayrNet Ltd pursuant to license by Mastercard International Inc. PayrNet Ltd is authorised by Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref. 900594).

The Financial Services Compensation Scheme does not cover electronic money products. No other compensation scheme exists to cover losses from your electronic money account. Your funds will be held in one or more segregated bank accounts with a regulated third party credit institution, in accordance with the provisions of the Electronic Money Regulations 2011.

How does Floodlight keep my funds safe and data protected?

Floodlight uses external customer authentication solutions, data encryption, fraud and transaction monitoring software and independent security testing to ensure the safety of your funds and accounts.

Everything we’ve built has been in accordance with GDPR regulations and we only process the data we need to, in order to give you the best service.

All of our databases  are encrypted by default and protected by multiple layers of security. We work round the clock  to make sure our systems are secure and to improve the ways in which we protect your data.

Should you wish to see a copy of your data, contact us at and we will process your request in accordance with the relevant privacy regulations.