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A new banking experience, 100% digital

Open a free bank account from your phone, and get the real digital banking experience on mobile.


Send and receive money instantly, and pay merchants online and in-store.

No hidden fees. No unpleasant surprises.

Available in Arabic, French, English, and Tunisian


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New Still want to learn all about Flouci ? Check out our guide


Approved by Tunisian regulators and financial institutions



Easy, accessible and inclusive banking should be available for everyone. Individuals and professionals alike.

Free bank account

Apply to get a free bank account and bank card in a few steps on your phone.

  • Free bank account, no hidden fees.
  • Free bank card, no fees at the bank’s ATM.
  • Instant money transfers and merchant payments.

Multi-feature business account

Get paid fast, online and in-store, keep track of your money, and grow your business.

  • Give admin and employee permissions to your staff
  • Generate payment links for your products
  • Get insights and analytics on your business

What makes Flouci different


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Fee-free card and bank account


Open your free bank account without leaving your couch

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Money transfers in 5 seconds


Send and receive money in a matter of seconds

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Instant in-store payments


Pay merchants instantly, No cash, no lines, no change.

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Secure online payments


Forget about cash on delivery and the risk of getting charged twice


Get started quickly on your phone

No application forms, no waiting lines! Get your bank account 100% digitally. Whenever, wherever. The best part is, it only takes you a few clicks and even a fewer minutes.



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Step 1


Choose the partner bank you want to link or open your account at

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Step 2


Upload the required pieces of identification

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Step 3


Fill out the form with the appropriate information

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Step 4


Pick your preferred time for an interview with our identification agent

Bank in your pocker

Download Flouci on your phone and get started today.


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Experience digital banking

0TND / Month

No monthly fees

No account fees. No hidden fees. Only transaction fees.
See pricing structure
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100% Digital sign up

Activate your bank account on your phone. No lines or appointments at the branch.


24/7

Timeless transactions

Instant transactions regardless of weekends, holidays, and ever-limiting office hours.
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Compliant with Tunisian regulations

Process approved and authorized by the Central Bank and the National Agency of Electronic Certification Tuntrust



Get everything done, on your phone

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Merchant payment

Find your nearby stores and pay instantly with your phone.
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Accounts management

Keep all your bank accounts and cards linked to your wallet.


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Phone topup

Recharge your, or any, phone number in a few clicks.
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Electronic signature

Sign and notarize all your documents electronically.



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Banked or unbanked, Flouci is definitely for you.


Already banked with one of our partners?

Link your current bank account (or accounts) to your wallet and unlock all the features and financial opportunities available to you on the app.


No bank account?


Unlock the Flouci features and set up your free bank account by requesting the app link here. It will get delivered you by SMS in a few seconds !



What makes Flouci different


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Fee-free card and bank account


Open your free bank account without leaving your couch

Image
Money transfers in 5 seconds


Send and receive money in a matter of seconds

Image
Instant in-store payments


Pay merchants instantly, No cash, no lines, no change.

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Secure online payments


Forget about cash on delivery and the risk of getting charged twice


Your security matters to us a great deal

At Flouci, We take your money, activities and data’s safety very seriously. Every piece of information you submit, every transaction you initiate and every new trusted device you approve is up to you.


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Top-tier data protection & authentication protocols


We comply with INPDP, Tuntrust, and the Central Bank’s protocols on personal data protection, background checks, and fraud detection.

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Blockchain infrastructure for secure money transfers


All transactions go through our Central Bank-approved blockchain infrastructure to prevent any breach or fraudulent transactions.

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Biometric protection and 2-step authentication


You can choose to log in using your PIN or fingerprint, and we verify every new device using 2-step verification.

Frequently Asked Questions


  • How do I send and receive money?
    You can either use the recipient's QR code or find them in the search bar using their phone number or name. Once connected, you enter the amount to send and confirm.
    Read more
  • How do I access the fiscal declaration service?
    You can benefit from the online fiscal declaration service using your electronic signature provided by Flouci. You sign up on the declaration platform and use your signature credentials to sign.
    Read more
  • How to request an electronic signature?
    You need your ID, a smartphone or computer, and a stable internet connection. We verify your information via a video call to generate your signature. No need to go anywhere.
    Read more
  • How do I get a Flouci wallet?
    You download the application, follow the steps on the screen - scan your CIN, send a selfie video and fill out the form. All you have left to do is make a video call with our agent and that's it!
    Read more
  • How do I know my Flouci Account is ready?
    You will receive a confirmation SMS indicating that your account has been successfully created. All you have to do is log in and sign the bank contract with your electronic signature.
  • What is Flouci?
    Flouci is an application designed to innovate mobile payment in Tunisia and provide electronic signatures to enable remote access to government services.
    Read more
  • How can I get paid with Flouci?
    Every Flouci merchant will be given their own professional QR code that they can display on the counter next to the cashier. Customers only need to scan the code with their phone, type the amount due, and pay.
    Read more
See more

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