See the account, not just a total.
View individual account balances, details and recorded transactions. The owner can also see each customer’s total across their accounts.
Your accountsPrivate access. Clearly connected.
Your account. The whole picture.
Balances, activity, requests. Bring the details of your accounts into focus, in one personal workspace.
Already have access? Use the details supplied by your owner.
A matter of perspective
Clarity. Down to the detail.
01 / The workspace
The balance is only
the beginning.
Open the record behind the number. HARMONIIE brings account details and recorded activity together, without losing the distinction between a request and a completed change.
Follow a request through.
Submit a request and check its status. Changes that need owner approval are reviewed before they affect the account.
Read about approvalsKeep the context close.
Use transaction history to understand activity. Administrative changes include an audit reason, so the owner has a record of what changed and why.
Understand your record
02 / A clear arrangement
One workspace.
Two clear roles.
The owner manages the records.
The client stays informed.
- 01
THE OWNER
Sets up your access.
Your owner creates your profile, supplies your sign-in details and manages your accounts.
- 02
THE CLIENT
Gets a personal view.
Sign in to see your balances, review recorded activity and submit requests from your workspace.
- 03
BACK TO THE OWNER
Reviews what comes next.
The owner checks requests against the current account state, records a decision and applies approved changes.
03 / Your workspace card
Your name.
A clear starting point.
€10,000Linked current-account minimum
When your linked current account reaches the minimum, you can request card activation. The owner checks the balance again before approval.
No activation fee. No funds held or debited. Workspace card only; no external card network.
Read the activation guideThe HARMONIIE journal
Know your workspace.
Account essentials
A balance tells you where. A record tells you how.
A practical guide to reading balances, account activity and the owner’s adjustment ledger together.
Read the guideInside the workspace
What happens after you make a request?
From submission to decision: who does what, what pending means and when a change reaches your account.
Read the guide Card guideYour card activation, step by step.
The €10,000 requirement, the owner’s review and what activation does—and does not—change.
Read the guideBefore you sign in
Good questions.
Plain answers.
For anything specific to your account, speak with your workspace owner.
How do I get access?
Your workspace owner creates your account and gives you your sign-in details. There is no public account registration. If you have not received access, contact the person managing your workspace.
Who can change an account balance?
The owner manages account balances and records the reason for administrative changes. Clients can view their accounts and submit requests. A pending request is not a completed transaction.
What do I need to activate my card?
Your linked current account must have at least €10,000 when you request activation and when the owner approves it. This is a balance requirement, not a charge: activation does not debit, hold or reserve funds. It is a workspace card, with no external card-network connection.
Will a new account have saved beneficiaries?
No. A newly created customer starts with an empty beneficiary list, without sample contacts. Existing customers keep the contacts already saved in their workspace.
Does this workspace move money outside HARMONIIE?
No. HARMONIIE records internal account activity. It is not a licensed bank, an external payment service or a card-network connection. A recorded balance or payment is not confirmation of external funds or settlement.
Private account access