How long does it take to build a neobank app?

A white-label neobank can go live in 6 to 12 weeks, a BaaS MVP in 3 to 6 months, and a custom platform in 9 to 18 months. Partner bank onboarding and compliance review are often the critical path.

Do I need a banking licence to launch a neobank?

No. Most neobanks launch by partnering with a licensed bank through BaaS, or by holding an e-money or payment licence. In the US this usually means an FDIC-insured sponsor bank, in the UK an FCA e-money licence, and in the UAE CBUAE licensing or DIFC and ADGM routes.

Should I choose a white-label neobank solution or custom development?

Choose white-label if speed and low upfront cost matter most. Choose custom neobank software development if you need unique features, plan to scale across markets or want to avoid vendor lock-in. A BaaS-based build sits between the two.

Can you build a neobank for the UAE, including Sharia-compliant products?

Yes. Code Brew Labs builds for CBUAE, DFSA and ADGM requirements with UAE Pass onboarding, Arabic right-to-left design, WPS payroll, local rails like UAEFTS and Aani, and Sharia-compliant account and financing logic.

Clutch Rated a Global Leader in Software Development

Neobank App Development Company for Compliance-Ready Digital Banks

Code Brew Labs designs, builds and scales neobanks. Pick a white-label launch in weeks or a custom core banking platform. Either way, our neobank app development services cover the parts that decide whether you go live: partner bank integration, cards, KYC, open banking and a ledger your auditors can trust.

Get a Free Neobank Estimate See Our Fintech Work

Trusted by fintech leaders and global enterprises.

Code Brew Labs in numbers

60⁺

Payment and banking integrations shipped

650⁺

AI and software engineers

13⁺

Years building fintech products

10^M+

Downloads on a single payment app we built

Neobanks explained

What Is a Neobank, and Why Build One Now?

A neobank is a bank that exists only as an app and a web dashboard. It has no branches. Most neobanks do not hold a full banking licence. They run on a licensed partner bank through Banking-as-a-Service (BaaS) APIs, or on an e-money licence, and put their effort into the product people actually touch.

01
Customers already live on their phones
Younger customers pick a bank the way they pick any other app: by how fast it works and how easy it feels. A neobank mobile app built around that habit wins accounts that branches never see.
02
The banking stack is now modular
You can rent the licence, the card processor and identity checks, then own the experience and the data. That turns a regulated build into a product build.
03
Underserved groups are still wide open
Expats sending money home, freelancers with irregular income, SMEs stuck with slow business accounts and customers who want Sharia-compliant options are all poorly served today.
04
The leaders prove the model is profitable
Revolut and Nubank now report billions in revenue and consistent profits. The question has moved from "will neobanks work" to "which niche is still unclaimed".

Market snapshot

Neobank Market Numbers Worth Knowing Before You Build

Neobanking is growing at more than 30% a year, and its leaders are now profitable. Use these four sourced figures to size your opportunity before you commit a budget.

$356.9^B

Estimated size of the global neobanking market in 2026, up from $230.6B in 2025.

Source: Precedence Research

36^%

Projected compound annual growth rate for neobanking from 2026 to 2035. Europe held the largest regional share in 2025, at about 34%.

Source: Precedence Research

68.3^M

Retail customers at Revolut by the end of 2025, alongside $6.0bn in revenue and $2.3bn in profit before tax.

Source: Revolut Annual Report 2025

139^M

Customers at Nubank across Brazil, Mexico and Colombia as of Q2 2026, making it one of the largest digital banks in the world.

Source: Nu Holdings Q2 2026 results

Business benefits

What a Neobank Does for Your Business

Owning a digital banking product gives you a daily relationship with customers and revenue that grows with every transaction. Here are six ways it changes the economics for startups, lenders, remittance firms and consumer brands.

Lower cost to serve each customer

No branches, no paper forms and far fewer manual reviews. Automated onboarding and in-app support keep operating costs per account low as you grow.

Faster route to market

A BaaS partner bank lends you its licence, so you can launch accounts and cards in months instead of waiting years for your own charter.

New, recurring revenue lines

Interchange on every card swipe, premium plans, FX margins and lending products turn a one-off relationship into monthly income.

First-party financial data

Transaction data shows you what customers need next. You can price credit better, spot churn early and personalise offers without buying third-party data.

Reach beyond one city or country

Multi-currency accounts and cross-border rails let you serve expats, freelancers and SMEs wherever they earn and spend.

Stronger loyalty

People rarely switch the account their salary lands in. A primary account keeps customers engaged daily, which a single product like a wallet cannot do.

Our services

Neobank App Development Services We Offer

Our neobank development services cover every layer, from licence strategy and BaaS integration to the app your customers download. Most clients start with a BaaS MVP, then add cards, lending and business accounts as they grow.

Custom Neobank Software Development

When your product is your advantage, off-the-shelf will not do. We design and build a neobank around your exact customer journey, pricing model and risk rules, with microservices that let you add products without rewriting what already works. You own every line of code, and nothing ties you to a single vendor.

Product and domain designAccount types, fee rules, limits and flows mapped before code.
Microservice backendOnboarding, accounts, payments and cards as separate services.
Double-entry ledgerEvery movement of money recorded twice and reconciled daily.
Multi-partner readySwap or add partner banks without a rebuild.

White-Label Neobank Solution

Need to be live this quarter? Our white-label neobank solution gives you pre-built customer apps, an admin console and ready connectors to partner banks, KYC and card processors. We apply your brand, configure your products and fees, and take care of app store release. You can move to a fully custom build later without losing customers or data.

Branded iOS and Android appsYour colours, copy, onboarding and feature set.
Launch in 6 to 12 weeksProven modules, configured instead of written from scratch.
Admin and compliance consoleKYC reviews, limits, disputes and reports from day one.
Clear upgrade pathExtend with custom modules as volume grows.

BaaS Integration

Your partner bank decides what you can launch and how fast. We help you shortlist BaaS providers for your market, then build the BaaS integration properly: account opening, FBO or virtual account structures, webhooks, card programs and daily reconciliation. We have worked with US, UK and EU providers and know where their APIs behave differently from their docs.

Provider selection supportUnit, Treasury Prime, Synctera, Column, Solaris, Swan, Railsr and more.
Account and card APIsDeposit accounts, virtual accounts, debit cards and ACH or SEPA.
Reconciliation engineYour ledger matched against the bank's records every day.
Partner bank audit packData flows and controls documented for due diligence.

Open Banking API Integration

Open banking lets customers link their other accounts, fund your app by bank transfer instead of card and share data for faster lending decisions. We integrate Open Banking API providers such as Plaid, TrueLayer, Tink and Yapily, and we handle consent screens, token refresh and strong customer authentication so the experience does not fall apart at the bank redirect.

Account aggregationOne view of balances across every bank a customer uses.
Pay by bankLower-cost top-ups and payments without card fees.
Income and affordability dataReal transaction data for credit and onboarding checks.
UAE Open Finance readyArchitecture prepared for the CBUAE framework rollout.

Neobank Mobile App Development

The app is your branch, so every screen has to earn trust. We build native iOS (Swift) and Android (Kotlin) apps when performance and security hardening matter most, and Flutter or React Native when you want one codebase and faster releases. Every neobank mobile app we ship includes biometric login, device binding and accessibility checks.

UX research and prototypingOnboarding flows tested with real users before build.
Native or cross-platformSwift, Kotlin, Flutter or React Native, chosen per project.
App hardeningCertificate pinning, root and jailbreak detection, obfuscation.
Arabic and RTL supportFully mirrored layouts for GCC customers.

Card Issuing and Payment Integration

Cards drive most of a young neobank's revenue through interchange. We connect issuer processors such as Marqeta, Galileo, Lithic or Nium, set up virtual and physical card programs, and wire in Apple Pay and Google Pay tokenisation. On the payment integration side, we connect local rails and gateways so money moves in and out quickly and cheaply.

Virtual and physical cardsInstant issuing, freeze, limits and PIN management in-app.
Real-time authorisationYour own rules approve or decline in milliseconds.
Local payment railsACH, FedNow, Faster Payments, SEPA Instant, UAEFTS and Aani.
Disputes and chargebacksWorkflows that meet Reg E and scheme timelines.

NeoBank Platform and Core Ledger

At scale, the ledger is the bank. For clients moving beyond a single BaaS partner, we handle NeoBank platform development on cloud core banking systems such as Mambu or Thought Machine, or build a custom ledger service. It gives you one source of truth for balances, interest, fees and regulatory reporting across partners and currencies.

Core banking implementationMambu, Thought Machine or Temenos, configured and extended.
Event-sourced ledgerImmutable history that auditors and regulators can replay.
Products engineSavings, term deposits and credit lines without new code.
Regulatory reportingAutomated exports for your compliance team and regulator.

Modernisation, Support and Scaling

Already live and feeling the strain? We audit existing neobank apps, fix reconciliation gaps, migrate between BaaS partners and move monoliths to services without downtime. After launch, our support teams in the UAE and India cover monitoring, incident response, OS updates and new feature releases under a clear SLA.

Architecture and security auditA written report with ranked fixes within three weeks.
Partner bank migrationMove accounts and cards to a new provider safely.
24/7 monitoringAlerts on failed payments, latency and ledger breaks.
Release managementPlanned sprints for new features after go-live.

Free roadmap

Planning a Neobank? Get Your Launch Roadmap in 48 Hours

Tell us your market and target customer. Our fintech architects will come back with a recommended build path, a partner bank shortlist, an MVP scope and a realistic budget.

Licence route for US, UK or UAE
Vendor shortlist
Cost and timeline range

Start the Conversation

Neobank mobile app showing a balance, a virtual debit card and an instant transfer

What we build

Types of Neobanks We Build

We build retail, business, Islamic, remittance, crypto-friendly and embedded neobanks. Each model needs its own licence route and architecture, and we design for yours from day one.

Consumer challenger banks

Everyday accounts, debit cards, instant transfers and savings pots for retail customers, usually launched on a partner bank and aimed at a clear niche like students, creators or new immigrants.

RetailBaaSCards

SME and business neobanks

Multi-user business accounts with approval rules, expense cards, invoicing, bulk payouts and accounting sync. In the UAE this includes WPS-compliant payroll for employers.

SMEKYBPayroll

Islamic digital banks

Sharia-compliant current accounts, profit-sharing savings and Murabaha-based financing, with Arabic-first design and product rules reviewed with your Sharia board.

GCCShariaArabic RTL

Remittance and expat banks

Multi-currency wallets, low-cost corridors and salary accounts for migrant workers. This builds directly on our remittance work with exchange houses in the UAE.

Cross-borderFXWallets

Crypto-friendly neobanks

Fiat accounts next to digital asset wallets, on and off ramps and custody through regulated partners. For products that go further into lending pools or yield, we pair this with our decentralized finance (DeFi) engineering team.

CustodyVARAMiCA

Embedded brand banks

Retailers, telecoms, marketplaces and gig platforms that want to offer accounts and cards under their own brand, like the telecom-backed wallets now common in the Gulf.

Embedded financeWhite-label

Digital Banking Products We Have Shipped

Remittance platforms, regulated wallets and payment apps with millions of users. The same compliance and scale problems a neobank faces, already solved in production.

Remittance platform, UAE

Real-time international transfers for one of the UAE's largest exchange houses

We built a fast, fully compliant remittance app designed for expats who send money home every month. KYC, sanctions screening and transfer tracking all happen inside the app, so customers never need to visit a branch.

100K+User downloads

99.5%Platform uptime

View Case Study

Alfardan Exchange remittance app screens

Regulated digital wallet, UAE

A UAE-regulated wallet and cross-border transfer app for the expat community

Compliant transaction infrastructure behind an interface kept deliberately simple for daily use. Bill payments, top-ups and international transfers run on the same wallet balance.

1.5M+User downloads

99.9%Transaction success rate

View Case Study

Merchant payments, India

A QR code payment app that grew to more than 10 million downloads

We restructured the codebase and rebuilt the user experience so small retailers could accept payments and track settlements without training. The platform held up as the merchant base scaled nationwide.

10M+Downloads

$175M+Funding raised

View Case Study

Consumer credit and payments

Flexible credit and payment products for medical expenses

A personal finance app that lets patients split and manage healthcare bills with clear repayment plans. Credit decisioning, repayments and reminders all live in one simple app.

100K+Downloads

4.5/5Average app rating

View Case Study

View all case studies

Use cases

Neobank Use Cases Across Financial Domains

The neobanks that grow fastest solve one specific money problem first, then expand. These are the use cases where we see the most demand from founders and financial institutions in 2026.

Discuss Your Use Case

01
Remittance and cross-border banking

Salary accounts that convert and send money home in a few taps. Useful features include corridor-specific pricing, cash pickup partners, rate alerts and recipients saved with verified bank details.
- Multi-currency balances with live FX
- Transfer tracking with estimated delivery times
02
SME, freelancer and gig worker banking

Business accounts that open in a day, not a month. Invoicing, tax pots, expense cards for staff and instant payouts from marketplaces keep cash flow visible for people with irregular income.
- KYB with automated company registry checks
- Xero and QuickBooks sync
03
Payroll and earned wage access

Employers pay salaries into branded accounts and staff can draw on wages they have already earned. In the UAE, WPS integration keeps payroll compliant for companies with large blue-collar workforces.
- Bulk salary disbursement
- Wage advance limits tied to worked hours
04
Lending, credit builder and BNPL

Credit lines, secured credit-builder cards and split payments at checkout. Cash-flow data from the account itself makes underwriting more accurate than a bureau score alone.
- Rules and ML-based credit decisioning
- Repayment schedules and collections workflows
05
Wealth, savings and investing

Round-ups, goal-based savings, term deposits and fractional investing through brokerage partners. The aim is to move customers from spending to saving without leaving the app.
- Automated savings rules
- Brokerage and robo-advisor integrations
06
Student, teen and family banking

Parent-controlled accounts with spending limits, chore rewards and savings goals. Guardian consent, age checks and merchant category blocks are built into onboarding and card rules.
- Linked parent and child accounts
- Real-time spending notifications
07
Travel and multi-currency spending

Cards that spend in any currency at fair rates, with local account details in major currencies. This was Revolut's original wedge, and it still works for frequent travellers and digital nomads.
- Hold and exchange 30+ currencies
- Travel insurance and lounge add-ons
08
Healthcare and life-event finance

Accounts and credit designed for big, predictable expenses like medical bills, education fees or weddings. Our medical-credit work shows how clear repayment plans build long-term trust.
- Provider payouts and patient financing
- Instalment plans with transparent fees

Features

Neobank Mobile App Features Your Customers Expect

Every neobank mobile app we ship covers four areas: the customer app, business banking, back-office tools and growth features. Explore each one to see what a typical MVP includes.

Digital onboarding and e-KYC

ID scan, selfie liveness check and address verification in under five minutes.

Virtual and physical cards

Instant virtual card, plastic by post, freeze and unfreeze in one tap.

Instant P2P transfers

Send money by phone number, IBAN or QR code with real-time confirmation.

Multi-currency and FX

Hold, convert and spend in multiple currencies with transparent rates.

Bill pay and direct debits

Utilities, telecom, rent and subscriptions managed from one screen.

Spending insights

Automatic categories, monthly summaries and budget alerts.

Apple Pay and Google Pay

Push provisioning straight from the app, no card number typing.

In-app chat support

Human and AI support with full context of the customer's account.

Multi-user roles

Owners, admins and accountants with separate permissions.

Approval workflows

Two-person approval for payments above set limits.

Employee expense cards

Per-card limits, merchant rules and receipt capture.

Invoicing and payment links

Create invoices and get paid by card, bank transfer or open banking.

Bulk payouts and payroll

Upload a file or call an API to pay hundreds of recipients.

Accounting sync

Two-way connection with Xero, QuickBooks and Zoho Books.

Business API access

Let customers automate payments and reconciliation.

Cash-flow dashboard

Incoming, outgoing and forecast balances in one view.

Customer 360 view

Profile, documents, accounts, cards and history on one page.

KYC review queue

Manual review for flagged applications with a full audit trail.

Transaction monitoring

Rules and alerts for suspicious activity with case management.

Disputes and chargebacks

Track every claim against Reg E and card scheme deadlines.

Fees and limits engine

Change pricing and limits per segment without a release.

Ledger and reconciliation

Daily breaks flagged before they turn into customer issues.

Regulatory reports

SAR support, transaction exports and regulator-ready data.

Role-based staff access

Least-privilege roles, SSO and logged admin actions.

Cashback and rewards

Merchant offers and points funded by partners, not your margin.

Round-ups and savings pots

Spare change saved automatically toward named goals.

Referral programs

Invite links with tracked, fraud-checked bonuses.

Smart notifications

Useful alerts for salary arrival, bills and low balance.

AI money assistant

Answers like "how much did I spend on food" in plain language.

Subscription tiers

Premium plans with extra perks, metal cards and higher limits.

Credit score tracking

Free score updates and tips that build loyalty.

Product analytics

Funnels, cohorts and A/B tests wired in from day one.

Security and compliance

Security and Compliance Built Into Every Layer

We build security and compliance controls into your neobank from the first sprint, not the week before launch. That keeps partner bank due diligence short and avoids costly rework late in the project.

Encryption everywhere

AES-256 at rest, TLS 1.3 in transit and keys held in cloud HSM or KMS, never in application code.

Tokenised card data

Card numbers stay with the PCI-certified processor, which keeps most of your platform out of PCI scope.

Strong customer authentication

Biometrics, device binding and risk-based step-up checks for new payees and large transfers.

Fraud and AML monitoring

Real-time scoring, sanctions and PEP screening and case management for your compliance team.

Mobile app hardening

Built to OWASP MASVS with certificate pinning, root detection and runtime protection.

Independent testing

Third-party penetration tests before launch and after every major release.

Ledger and reconciliation

Why the ledger is your biggest trust decision

When middleware provider Synapse went bankrupt in 2024, records at the fintech, the middleware and the partner banks did not match, and end users waited months for their money. We build every neobank on a double-entry ledger reconciled daily against partner bank statements, with an audit trail that can be replayed. If a partner fails, you still know exactly who owns every cent.

Entry	Your ledger	Partner bank	Status
ACH credit	1,250.00	1,250.00	Matched
Card settlement	−42.50	−42.50	Matched
Interchange	0.64	0.64	Matched
SEPA payout	−300.00	−300.00	Matched

Reconciled daily against partner bank statements

Regulations by market

Regulations We Build For in the US, UK and UAE

Each market has its own licence routes and rules. We map yours during discovery and build the controls into the product rather than bolting them on before launch.

United States

Most US neobanks partner with an FDIC-insured sponsor bank rather than holding a charter. That makes pass-through insurance records, BSA/AML controls and the sponsor bank's own compliance review the core of your build.

Regulators and bodies

FDIC
FinCEN
CFPB
Nacha

Sponsor bank and FBO account structureWith records that support FDIC pass-through coverage.
BSA/AML, CIP and OFAC screeningCustomer identification and sanctions checks at onboarding and on every payment.
Reg E and Reg DDError resolution timelines and clear account disclosures.
GLBA and CCPA privacyData handling, consent and customer data requests.
State money transmitter licencesWhere your model needs them, planned from the start.

United Kingdom

UK fintechs usually start with an FCA electronic money licence or a partner bank, then some apply for a full banking licence with the PRA and FCA. Consumer Duty and safeguarding rules shape both product design and daily operations.

Regulators and bodies

FCA
PRA
ICO
Pay.UK

EMI or bank licence routeOr an agent model under a licensed partner while you apply.
Safeguarding of client fundsSegregated accounts and daily safeguarding reconciliation.
Consumer DutyFair value, clear communication and outcome monitoring.
SCA, Confirmation of Payee and APP fraud rulesPayment flows that meet PSR reimbursement requirements.
UK GDPRData minimisation, retention and subject access handling.

United Arab Emirates

Onshore digital banking and wallets fall under the Central Bank of the UAE, while DIFC and ADGM have their own regulators and sandboxes. Crypto features in Dubai need VARA approval. Our Dubai team works with these frameworks every week.

Regulators and bodies

CBUAE
DFSA
ADGM FSRA
VARA
UAE Pass

CBUAE Stored Value Facilities and Retail Payment ServicesLicence-ready wallet and payment architecture.
CBUAE Open Finance frameworkConsent, data sharing and payment initiation designed in.
UAE Pass and Emirates ID onboardingFaster verified sign-up for residents and citizens.
AML/CFT and goAML reportingScreening and suspicious activity workflows for the UAE FIU.
UAE PDPL and data residencyIn-country hosting options on UAE cloud regions.

PCI DSS 4.0
Card data security standard
SOC 2 Type II
Trust services controls
ISO/IEC 27001
Information security management
GDPR and PSD2
EU data protection and payments

Free compliance review

Worried About Partner Bank Due Diligence?

Book a free 30-minute compliance architecture review. We will walk through your data flows, ledger design and vendor stack, and tell you what a sponsor bank will ask for.

Book My Free Review

Choose your build path

Custom Build vs White-Label vs BaaS: How to Build a Neobank App

There are three practical ways to build a neobank app, and the right one depends on your licence, budget and how different your product needs to be. Most startups get the best balance from a BaaS-based build. White-label suits speed, and custom suits scale and control.

What matters	White-label neobankConfigure a ready platform	Best for most startupsBaaS-based buildCustom apps on a partner bank's licence	Fully custom buildOwn core, ledger and integrations
Time to launch	6 to 12 weeks	3 to 6 months	9 to 18 months
Typical build cost	$40k to $80k plus licence fees	$80k to $400k	$400k to $1M+
Licence needed	Uses the vendor's partner bank or EMI	None at first. You run on the sponsor bank's licence	Usually your own EMI or bank licence, or several partners
Product flexibility	Limited to what the platform supports	High on the app and user experience, limited by the BaaS API underneath	Complete. Any product, any flow
Vendor lock-in	High	Medium. Reduced if we design for multiple partners	Low
Running costs	Per-user or revenue-share fees	BaaS program fees plus processor and KYC fees	Infrastructure, compliance team and licence upkeep
Best for	Brands testing demand, embedded finance, pilots	Funded startups launching a focused neobank in one market	Scale-ups, licensed banks and multi-country players

Pricing

Neobank App Development Cost and Timeline in 2026

Quick answer

Neobank app development cost ranges from about $40k to $80k for a white-label launch, $80k to $150k for a BaaS MVP, $150k to $400k for a growth-stage product and $400k to $1M+ for an enterprise platform. Timelines run from 6 weeks to 18 months.

Launch

White-label neobank

$40k to $80k

6 to 12 weeks3 to 5 people

For brands testing demand or adding banking to an existing customer base.

Branded iOS and Android apps
e-KYC and accounts
Virtual cards and P2P
Standard admin console

Most chosen MVP

BaaS-based neobank

$80k to $150k

3 to 6 months5 to 8 people

For funded startups launching a focused product in one market.

Custom UX, cross-platform apps
BaaS integration and ledger
Virtual and physical cards
Fraud rules and admin panel

Growth

Mid-scale digital bank

$150k to $400k

6 to 10 months8 to 12 people

For products adding FX, lending, business accounts or a second market.

Native apps and web banking
Multi-currency and open banking
AML monitoring and case management
AI insights and rewards

Enterprise

Custom core platform

$400k to $1M+

10 to 18 months12 to 25 people

For licensed banks, scale-ups and multi-country launches.

Core banking or custom ledger
Direct local clearing connections
Lending and deposit products engine
Multi-region compliance stack

What Changes the Cost of a Neobank App

Build path

White-label, BaaS or custom is the single biggest cost driver.

Markets and currencies

Each country adds rails, KYC rules and reporting.

Card programs

Physical cards, metal cards and wallets add scope.

Native or cross-platform

Flutter or React Native can save 30% to 40% on mobile work.

Lending and credit

Underwriting, schedules and collections are a module on their own.

Compliance depth

SOC 2 readiness, pen tests and audits add time and budget.

Deliverables

What You Get When You Build With Us

You get working apps, full source code and the documentation your partner bank will ask for. Everything is handed over, so your team, auditors and investors can own the product without depending on us.

Customer apps

iOS and Android apps, published under your developer accounts.

Web banking and admin console

Customer web portal plus back office for operations and compliance.

Full source code

Backend, ledger and apps in your repositories from the first commit.

API documentation

OpenAPI specs and integration guides for every service.

Compliance evidence pack

Data flow diagrams, control descriptions and PCI scope notes for partner bank reviews.

Security test reports

Penetration test results and fixes, ready to share with partners.

Cloud infrastructure as code

Terraform, CI/CD pipelines and monitoring you can run without us.

Launch support and SLA

A hypercare period after go-live, then a support plan that fits your stage.

You own it all. Intellectual property transfers to you under contract, and we sign an NDA before we see your idea.

Get In Touch

How we work

Our Neobank App Development Process

Our neobank app development process starts with compliance planning, because your licence and partner choices shape everything else. After that, we build in two-week sprints with a working demo at the end of each.

Discovery and licence strategy

2 to 3 weeks

We define your customer, core product and market, then choose the licence route that fits.

Product and market briefRegulatory map

Partner and vendor selection

2 to 4 weeks

We shortlist BaaS, card, KYC and fraud vendors and support commercial and technical due diligence.

Vendor scorecardArchitecture blueprint

UX, UI and prototype

3 to 4 weeks

Onboarding and payment flows designed, tested with real users and refined before any build starts.

Clickable prototypeDesign system

MVP build in sprints

10 to 16 weeks

Apps, services, ledger and integrations built in two-week sprints with demos you can click through.

Sprint demosSandbox environment

Security testing and audit

3 to 4 weeks

Pen tests, load tests and partner bank reviews completed and documented before real money flows.

Pen test reportCompliance evidence pack

Beta and go-live

1 to 2 weeks

A closed beta with friendly users, then store release and switch-on with your partner bank.

App store releaseGo-live runbook

Scale and support

Ongoing

Monitoring, new features, new markets and regular security updates as your customer base grows.

SLA supportQuarterly roadmap reviews

Free estimate

Get Your Neobank App Development Cost Estimate

Share your scope and target market. Within two business days you will get a line-by-line estimate, a timeline and a recommended team, with no obligation.

Get My Estimate

Technology and integrations

Tech Stack, BaaS Integration and Open Banking API Partners

We are vendor-neutral. The stack below covers what we build with and the providers we integrate most often. Your market, licence and budget decide the final choice, and we explain the trade-offs before you sign anything.

Banking integrations

Engineering stack

Accounts and licences

BaaS and Partner Banks

Licensed banks and platforms that hold customer deposits and give you account, card and payment APIs.