With mobile wallet transactions expected to rise to $708bn in Europe by 2025, we need to simplify payments. VitraCash has launched a smart debit card & app that selects the best card for every transaction. With 15k on the waitlist they are now raising to launch publicly, grow their team & build more features.

  • Patent pending AI algorithm designed to make payments simpler
  • 15k+ users on their waitlist
  • Partnership with Mastercard, granting access to +80 million retailers globally
  • 13 team members building features like cryptocurrency & open banking


Fintech has exploded in the last few years. With such a broad range of cards, we believe it has become almost impossible to keep track of all benefits & hidden fees, making it confusing & overwhelming to get the best deal.

VitraCard combines all of a customer’s banking & payment accounts in one app & card. It prioritises the best card for each purchase based on factors like rewards, transaction fees and FX rates. The app gives users an overview over all their accounts & lets users control how their VitraCard works.

Our business model is based on interchange fees & premium plans. We get up to 1.5% of the total transaction volume & plan to offer premium plans with additional benefits in future.

Together with our partners Marqeta & Checkout, we launched a private beta to testers from our Crowdcube investor base. In the first 4 weeks, we processed more than £200k from 100 users. We have a 15k+ waitlist.

We have experienced a great reception from the start-up & fintech communities. On March 29th we were speakers at Moneylive Summit alongside companies like Revolut, Google and Meta.

We are eager to open our product to the public & engage in more partnerships to integrate Open Banking, Apple & Google Pay, Cryptocurrencies & Wearables.

We are now fundraising to further grow our team, increase our marketing budget, & work to acquire licences with a plan to make us more independent.


Since our last raise in Q2 2021, we have grown to a diverse team of 13 employees. We are a fully remote company and have people from all around the world with different backgrounds.

Koray Koska - CEO and Founder: Software engineer and serial entrepreneur who’s worked in Blockchain and several other fields. Responsible for innovation and vision and the public face of VitraCash.

Florian Winkler – COO and Founder: Software engineer with experience in UI/UX design, data science and algorithm design. Responsible for the company development, especially technological development.

Gabriel Sperrer – CTO: Technology is at the heart of what makes VitraCash special, and ensuring that it delivers on its promise of AI-driven simplicity for the payments industry is central to Gabriel’s role on the team.

James Ollerenshaw - Advisor and Consultant: With decades of experience in marketing and sales, James advises us on our growth strategies.

Bernhard Wieser (Advisor) - CEO of BECOM Systems Group: Bernhard advises us on all issues related to sales and operations.

James Miller - Compliance and Card Program Consultant - Immersed in the London fintech scene, James worked at Paysafe looking after accounts for the likes of Revolut. James makes sure we stay secure and compliant at every step along the way.