Bourgeois Bohème

Managing finances across a principal household, multiple family members, and household staff typically requires stitching together separate banking relationships, expense tools, and manual reconciliation. Bourgeois Bohème addresses this by building a single membership platform, BOBO Famex, that combines segregated spending accounts, customisable card controls, and a back-office reporting hub into one access-controlled ecosystem targeted at HNWI and UHNWI households and the family offices that support them.

The platform is structured around three membership tiers: Essence, Star, and Legend. Each tier determines the number of complimentary sub-accounts for family and staff, card allocations, and fee structures. The Legend tier provides unlimited sub-accounts, a gold-coated card, and unlimited free delegated payments via the BOBO Assistance Team. Specific capabilities include:

• Card transaction limits of up to EUR 1,000,000 per transaction with an unlimited main account balance
• Spending controls by category, timing, and geography at the sub-account level
• Transaction matching and invoice reconciliation via the Control Hub back-office portal
• Apple Pay, Google Pay, and Garmin Pay integrations
• Nameless, numberless payment cards and wearables powered by Mastercard for physical privacy
• 24/7 concierge support covering travel, lifestyle, and administrative task execution

Financial services are regulated by the FCA in the UK (through Moorwand Ltd) and by the ACPR in the EEA (through Heuro RSAS), providing dual regulatory coverage for clients across both jurisdictions. Pricing is publicly disclosed: the Essence tier begins at EUR 190 per month or EUR 1,900 annually, while Star and Legend pricing requires direct enquiry. Family offices evaluating BOBO should note it is a spending and payment management platform, not a portfolio management or investment reporting tool. It fits best where a family office needs structured, auditable control over household expenditure across multiple principals and staff, rather than consolidated investment oversight.