“Can an AI-native platform bundle Dutch incorporation, banking, bookkeeping and tax into one back office and replace the traditional SME accountant?”
Neno launched in 2025 in Amsterdam as an AI-native back office bundling Dutch BV incorporation, business banking (Swan-powered EUR accounts + Mastercard cards), invoicing, bookkeeping and tax into a single subscription. The pitch is a full-stack replacement for the traditional Dutch accountant + separate business bank + separate invoicing stack. Backed by €6.6M seed from AlleyCorp, Motive Partners and Firstminute Capital in 2026, with angels from Mollie, Adyen, Deel, PayPal, Coinbase, Juni and Hugging Face.
Neno discloses Swan as its banking provider, according to the Embedded Finance Index 2026.
Neno does not disclose a bank charter of its own; its banking services are provided through Swan.
Neno processes payments through Swan, Adyen and mollie. Disclosed money-movement rails: SEPA.
Neno's cards are issued through Swan on the Mastercard network.
Neno connects to bank accounts through Plaid.
Neno uses Swan for FX and cross-border payouts.
Neno's crypto products run on bastion.
The Embedded Finance Index 2026 maps 8 layers in Neno's stack: Payments / PSP (Swan, Adyen and mollie); Money movement (SEPA); Banking / BaaS (Swan); Card issuing (Swan); Card network (Mastercard); Open banking (Plaid); FX & payouts (Swan); Crypto (bastion).
Neno is founded in 2025 and headquartered in Amsterdam, Netherlands.
Neno has raised €6.6M in total (latest round: Seed, 2026).
Get a read on where your own stack stands against Neno and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.