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.

• Manage household spending across family members and staff via segregated sub-accounts
• Control and restrict card usage by category, time, and location
• Reconcile transactions with invoices via the Control Hub back-office portal
• Execute high-value cross-border payments and transfers
• Delegate administrative, travel, and lifestyle tasks to a 24/7 assistance team
• Issue and manage payment cards and wearables for multiple household members

• Family and staff sub-accounts with separate app access and role permissions
• Card spending controls by category, timing, and location
• Transaction limits up to EUR 1,000,000 per card transaction
• Control Hub back-office portal for transaction tracking and invoice matching
• Nameless and numberless Mastercard payment cards and wearables
• Apple Pay, Google Pay, and Garmin Pay integrations
• 24/7 global lifestyle and administrative concierge service
• SEPA, SWIFT, Faster Payments, CHAPS, and BACS transfer support
• Three membership tiers: Essence, Star, and Legend
• Delegated payments service via BOBO Assistance Team

Built for Single Family Office (SFO), Multi Family Office (MFO), Private Wealth Owners / Principals, Advisors / Wealth Advisors (RIA).

24/7 in-app chat (registered members), personal manager, email support, IVR phone support, contact form

Invite-only membership request process; no specific timeline disclosed