“Can a Dutch SMB bookkeeping platform evolve into an all-in-one financial OS by layering embedded banking, payments and e-invoicing on top of the ledger?”
Yuki is a Dutch cloud bookkeeping platform for SMBs and accountants, acquired by Visma in 2018. In 2024 it extended beyond pure accounting into embedded banking with Yuki Pay (business account + card) via Swan. In 2025 Visma consolidated its Dutch accounting/payroll/invoicing/reporting portfolio — WeFact, Yuki, Nmbrs, Visionplanner — under one Nmbrs brand, with Yuki rebranded as 'Nmbrs Accounting'.
Yuki discloses Swan as its banking provider, according to the Embedded Finance Index 2026.
Yuki does not disclose a bank charter of its own; its banking services are provided through Swan.
Yuki's cards are issued through Swan.
Yuki connects to bank accounts through Isabel Group - Ponto.
Yuki's payroll is powered by Nmbrs Payroll (in-house).
The Embedded Finance Index 2026 maps 6 layers in Yuki's stack: Banking / BaaS (Swan); Card issuing (Swan); Payroll (Nmbrs Payroll (in-house)); Open banking (Isabel Group - Ponto); Spend / AP (findity); Accounts Receivable (Storecove).
Yuki is founded in 2004 and headquartered in Rotterdam, Netherlands.
Yuki's acquisitions include Comandi Business Solutions BV (2018).
Get a read on where your own stack stands against Yuki 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.