A woman sending money from her phone while holding an Ortix card at a table

Everything Ortix does.In one place.Everything Ortix does. In one place.

Personal and business. Accounts and cards. Payments and analytics. Here's the full picture.

Personal Features

Everything you need to manage your money across currencies, borders, and the people you share it with.

Multi-currency accounts

Hold, send, receive, and spend in 30+ currencies from a single account. No switching between apps or wallets. When your card gets tapped somewhere your balance is low, Ortix converts from another currency automatically so the payment goes through.

The Ortix app showing a list of currency balances including USD, BTC, ETH, SOL, USDC, and USDT

Payments

Send money to an Ortix user instantly by @handle. To anyone else, by bank transfer or straight to their Visa or Mastercard. Share a payment link that works without an Ortix account on the other end. Tap phones for NFC payments. Scan or show a QR code for in-person moments.

AI Assistant

“How much did I spend on travel last month?” “Who still owes me from the Lisbon trip?” “What subscriptions am I still paying for?” Ask in plain language and get a straight answer. You can also take actions: freeze a card, move money, create a Space without leaving the conversation.

Budgets

Set a monthly spending cap for any category. A progress bar tracks where you are in real time, and you get an alert at 80% and again at 100%. Transactions are categorised automatically, so there's nothing to configure after you set the limit.

Security

Biometric and two-factor authentication. Real-time monitoring on every transaction. And a full account freeze, one tap away.

Cards

A virtual card ready the moment you open your account. A physical card shipped to your door when you want one. Both work with Apple Pay and Google Pay. Set your own spend limits, freeze and unfreeze any time, and generate single-use virtual cards for purchases where you'd rather not leave your details.

Spaces

Create pots for whatever you're saving toward or managing separately: a trip, monthly bills, rent, a goal. Each Space has its own balance and its own activity history. Invite someone else in when you're saving together, or keep it entirely to yourself.

Analytics

A clear view of where your money actually goes, broken down by category, merchant, and currency. Month-by-month comparison so you can see what's changing. A subscription tracker that surfaces every recurring charge and when the next one lands.

The Ortix app showing a spending breakdown chart totaling 3,046.00 USD

For your business

Multi-currency accounts, team cards, expenses, invoicing, and the tools that tie it all together for businesses that need a financial platform, not just a business account.

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Business accounts

Hold balances in 35+ currencies, each with its own account details. Send payments to suppliers, collect from clients as if you were local, and convert between currencies at a rate you can see before you confirm. Pay over 1,000 recipients in a single batch.

Team cards

Physical and virtual cards for every team member, with spend limits and category controls set from the start. Approval flows for payments above a threshold. Auto-freeze when receipts go missing. Instant freeze for any card, any time.

Expense management

Receipt capture and auto-matching, custom expense fields, approval queues, and instant reimbursement. The whole expense cycle from the moment someone taps their card to the moment they're paid back can be handled without a spreadsheet.

A man working on his laptop at a café table by a window

Invoicing

Create and send professional invoices. Track their status in real time. Send a payment reminder in one tap. Generate payment links or QR codes for any amount. Paid invoices reconcile automatically.

Team and access

Predefined and custom roles with granular permissions. Department structure with reporting lines for approval routing. Remove a team member and their cards deactivate immediately. Manage multiple business entities from one login.

Integrations and API

Export transactions in CSV, PDF, MT940, or CAMT053. Build custom integrations or automate payment flows via the Ortix API. Audit log for every action taken on the account, exportable for compliance.

Business analytics

Spending broken down by category, team member, department, and currency. Cashflow trends that update as transactions happen. Export at any time.