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Tot.money provides digital banking and financial management tools for small businesses.
Founded in 2020 in Milan, Italy, by Bruno Reggiani and Doris Messina, Tot.money offers accounts, digital banking, credit and payment services for professionals, freelancers and businesses with up to 10 employees. In September 2025, it raised EUR 7 million in pre-Series A funding led by CDP Venture Capital, with Azimut, CLUBDEAL FIDUCIARIA DIGITALE SRL, The Techshop, X-EQUITY VENTURE CLUB S.R.L., Banca Sella Holding and individual investors participating. Co-founder Doris Messina is CEO.
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