Money should be
Photo: Ivan S / Pexels
founded in Amsterdam
personal customers
people in 31 countries
raised from investors
In 2018 Nadia was paid in pounds, rented in euros and sent money home to Accra every month. Her bank charged her three times for the privilege, and hid most of it in the exchange rate. Theo, an engineer who had built payment systems for a decade, thought the fix was mostly software.
They started Pocket in Amsterdam in 2019 with one promise: the real exchange rate, and every fee shown upfront. The first card shipped a year later. Business accounts followed in 2023, and Pocket AI in 2025.
The job hasn’t changed. Everything we build has to make money cheaper to move, easier to understand, or safer to hold.
Seven years, in brief.
2019
Founded
Nadia and Theo start Pocket in a converted canal house in Amsterdam.
2020
First card
The Pocket card ships to 20,000 people on the waiting list.
2021
Licensed
Pocket becomes an authorised e-money institution.
2023
Pocket for business
Business accounts, payouts and team cards launch together.
2025
Pocket AI
An assistant that knows your money, private by design.
2026
Series C
€180M to expand into Latin America and South-East Asia.
No hidden fees
Every fee is shown before you confirm. If it isn’t on the screen, you don’t pay it.
The real rate
We use the mid-market rate and charge a fee you can see, not a mark-up you can’t.
Your data is yours
We never sell it, and Pocket AI never trains shared models on it.
A human when it matters
Real people in the app, 24/7, for anything that touches your money.
The people behind Pocket.
Nadia Mensah
Co-founder and CEO · Amsterdam
Theo Marchetti
Co-founder and CTO · Amsterdam
Clara Novak
Head of Product · London
Amira Haddad
Head of Design · Lisbon
Lena Fischer
Money Editor · Amsterdam
Jun Seo
Staff Engineer, Payments · Remote, Seoul
Backed by
Westerly Capital
Harbourline Ventures
Northgate
Fieldwork
Second Street
