Emberan

Annual report 2025

Download PDF

Emberan · Annual report

2025, in numbers

Send and receive money in more than 30 currencies at fair exchange rates. Cash flow forecasts show where you will be next month, not just today.

152.2kmembers served
+20%growth on last year
236team members
8.5satisfaction out of 10

Scroll to read the story

01

We now serve 152.2k members

Thousands of members already trust us, and we work hard to keep it that way. Accounting sync keeps your books up to date without manual exports.

02

Every quarter beat the one before

Every detail is handled by people who care about getting it right. Real people answer your questions around the clock, every day of the year.

03

Our reach grew to new cities

We listen first, then build a plan around what you actually need. We keep things simple, so you can focus on what matters to you.

04

Where the growth came from

Our team has done this many times, so you never have to guess. Set approval rules for large payments and see who spent what, and why.

05

Promises made, promises kept

Issue virtual and physical cards to your team with limits you control. Open a business account online in about ten minutes, with no branch visit.

Chapter 1 of 5 · Reach

152.2k

Members trusted us this year

+20% year on year

Chapter 2 of 5 · Total balance

Chapter 3 of 5 · Locations

CopenhagenDublinMelbourneOsloEdinburghKyoto

6 new cities, 19 in total

Chapter 4 of 5 · Mix

5 areas
  • Payments31%
  • Cards14%
  • Savings24%
  • Invoices24%
  • Payroll7%

Chapter 5 of 5 · Goals

  • Bank-grade encryption93%
  • Instant notifications94%
  • Spending limitsAchieved
  • Business accounts for everyoneCarried to 2026

A note from our CEO

We measure success by how many members come back and tell their friends. Friendly people answer your questions quickly, by phone, chat or email.

Diego DuarteChief Executive, Emberan

Looking ahead to 2026

Expense tracking

Payroll runs on time, with tax and pension payments handled for you.

Invoicing

Every payment appears instantly, with receipts matched automatically.

Payroll

Invoices go out with a payment link, so customers can pay you in one click.

Download the full report
All screens