Earn points on the transfers your business already makes. Unlock benefits where your business spends.
Start earning todaySupplier invoice paid
+2,400 pts
Office rent transfer
+1,150 pts
Refuel at partner station
3× · +540 pts
Client dinner at Osteria
+300 pts & 10% off
Flight FRA → LIS
Redeemed 24,000 pts
Earn points on every outgoing transfer, connect read-only in two minutes, and unlock exclusive Reward Day benefits every month.
Explore rewardsMusterfirma GmbH
Frankfurt am Main
- Monthly transfers
- €84,000
- Auto-earn
- Active
- Annual Points earned
- 100,800 pts
Earn rewards on transfers
Turn the money your business already moves into points that move you. Earn EMBR Points on every outgoing payment and unlock exclusive monthly Reward Day benefits.
Earn points on transfers
Connect your business account once and earn points on outgoing payments directly from the bank you already use. No change to how you pay: EMBR reads, rewards, and stays out of the way.
Auto-earn
Licensed open-banking connection
Connect read-only in minutes
Link your account through licensed open-banking providers with bank-grade encryption. Strictly read-only: EMBR can count your transfers, never touch them.
Reward Day
1st of each month
Unlock Reward Day boosts
On the first of each month, Reward Day doubles your earning: bonus points on every transfer, surprise partner perks, and member-only redemption offers.
Partner Benefits
When you pay through EMBR, you unlock access to exclusive benefits at our growing network of partner merchants.
Osteria Nera
+2× pts
Bar Meridian
Priority tables
Weinhaus Adler
Complimentary pairing
Café Continental
Up to 2× pts
Table No. 8
Complimentary dessert
Benefits at partner restaurants
When you take clients to your favorite spots, you'll earn bonus EMBR Points and get access to exclusive benefits including priority tables, complimentary items, and more.
Up to 3× pts
Earn points at partner restaurants
Complimentary pairings
At select locations
Priority tables
For EMBR members
Partner Benefits
When you pay through EMBR, you unlock access to exclusive benefits at our growing network of partner merchants.
Osteria Nera
+2× pts
Bar Meridian
Priority tables
Weinhaus Adler
Complimentary pairing
Café Continental
Up to 2× pts
Table No. 8
Complimentary dessert
Benefits at partner restaurants
When you take clients to your favorite spots, you'll earn bonus EMBR Points and get access to exclusive benefits including priority tables, complimentary items, and more.
Up to 3× pts
Earn points at partner restaurants
Complimentary pairings
At select locations
Priority tables
For EMBR members
EMBR for Partners
Put your offer in front of members ready to spend
List your business in the portal where members redeem their points. You choose what gets an offer, selected items or everything, and you set your own cap. A new kind of B2B marketing: you only pay when it converts.
Redeem the most flexible points in business
Book flights, hotels, rail and lounges straight from your points balance in the EMBR travel portal. Airlines and hotels worldwide, no blackout dates.
Start earning todayAirlines & rail in the portal
Hotels in the portal
You can also book flights and hotels worldwide directly through EMBR's travel portal.
Learn morePoints that flex the way a business does. Put them toward the costs you have anyway, or the experiences you never expense.
Pay with points
Redeem for experiences
The EMBR Card
The card that pays you to run your business.
- Earn points on every transaction
- 3× points at partners
- A crypto card for everyday spending
- Premium metal, precision-weighted
- Lounge access via points
Issued by a licensed partner institution.
EMBR Private · for consumers
The card that makes more of your money.
EMBR for your personal life. Cashback on every purchase, plus clear insights into your savings and spending. No business account required.
- Cashback on every transaction
- Savings insights: see when your money could be earning a better rate
- Spending insights: a clear view of where your money goes
- A crypto card that spends like any other, online and in-store
- Self-custodial by design: funds stay in your own wallet, never with us
- Share your transactions read-only, in real time, with anyone you choose. Revocable instantly
Issued by a licensed partner institution.
M. Mustermann
Private member
- Cashback this month
- €48.20
- Savings insights
- Active
- Better rate spotted
- +1.4% p.a.
- Shared access
- 1 viewer · read-only
The EMBR effect
See what your payments are worth
Points per year
96,000pts
Estimated redemption value: ≈ €768
= 10
tank fills at partner stations
= 16
client dinners
= €768
in card credit
Illustrative. Based on 1 pt / €10 transferred; card: 2 pts / €1 at partners, 1 pt / €2 elsewhere; value estimated at €0.008 per point.
How points work
01
Connect
Link your business account read-only. You earn 1 point per €10 of outgoing transfers, automatically.
02
Boost
Add the EMBR Card: 2 points per €1 at partners and 1 point per €2 everywhere else.
03
Redeem
Spend points on travel, fuel, dining, office and card credit. A point is typically worth around 0.8 cents when redeemed; partner offers can stretch it further.
Everything owners ask before connecting
No. The connection is strictly read-only, via licensed open-banking providers. EMBR can see outgoing transfers to award points, but it cannot move, hold or access funds. The EMBR Card and EMBR Private are issued and processed by regulated partner institutions; EMBR itself never holds funds.
Only people you explicitly approve. Access is read-only, works in real time, and can be revoked at any moment. By default, nobody sees anything.
Outgoing transfers from your connected business account: supplier payments, rent, invoices and similar. You earn 1 point per €10 transferred, automatically. The EMBR Card adds boosted earning on card spend.
Points redeem across travel (airlines and hotels worldwide), fuel, dining, office and card credit. As a rule of thumb, a European return flight is around 24,000 points, and far less with card boosts.
Most European business banks are supported through our licensed open-banking providers. Connection takes about two minutes; if your bank isn't covered yet, joining the waitlist reserves your founding-member benefits.
Founding members get 25,000 bonus points at launch. Standard pricing will be announced at public launch. Founding status is kept, whatever we launch with.
Ready to get rewarded for running your business?
Join the founders earning points on the money their business already moves.
Founding members: 25,000 bonus points at launch.