Personal / Accounts — Ledger view
EUR · GBP · USD · CHFAn account
that shows
you everything.
Balances, payments and statements in a single view, with account details available depending on your country and partner.
- Balances
- Live across currencies
- Statements
- Available on demand
- Account details
- By country & partner
€8,412.60
Available
€218.40
Pending
€4,980.00
This month in
€3,127.85
This month out
01 — Anatomy of a statement
Every zone, explained once.
- A
Header block
Account holder, account number and the statement period, at a glance.
- B
Running balance
The balance after every line, so the maths is never left to you.
- C
Transaction rows
Date, counterparty and amount, grouped by day and clearly signed.
- D
Period summary
Opening balance, total in, total out and closing balance for the period.
02 — A week of activity
Every line, timestamped and clear.
Salary, rent, groceries and transfers all appear with a clear status, so you always know what has settled and what is still on its way, subject to your account's activity history.
03 — Statements
A record you can trust.
Statements are generated on demand, covering the periods and currencies you need — exact formats depend on your country and issuing partner.
04 — Interest & fees
Every figure, in one table.
No surprise line items on a statement. Standard fees and the current interest tier are published here and reflected in your account before anything is charged or credited.
Monthly maintenance
No fee on the standard personal account.
€0
ATM withdrawal, in-network
Fair-use limits apply, shown in-app.
Free
ATM withdrawal, out-of-network
Plus any fee charged by the ATM operator.
€1.50
Card replacement
Waived once per 12 months.
€5
Balance interest, variable
Rate varies by balance tier and currency.
Up to 2.1% AER
International transfer
Depends on destination and receiving institution.
From €4
Figures are indicative and vary by country, currency and issuing partner. Your account's current terms always take precedence.
05 — Capabilities
Built around real activity.
01
Balances
View available balances across supported currencies at any time.
02
Incoming
Track money arriving into your account as it is received.
03
Outgoing
Send payments locally or internationally from your balance.
Get started
Open a personal account
Get started in minutes, subject to verification and eligibility in your country.
Spuke is a financial technology platform. Account, payment, card and currency services may be provided by licensed financial institutions and programme partners. Product availability is subject to eligibility, verification and partner approval.