Banking Apps That People Actually Use
The average banking app gets opened 8 times a month. The good ones get opened daily. We build mobile and web banking experiences with sub-second load times, biometric login, and features that make users forget they ever walked into a branch.
What is Banking App Development?
Banking app development covers the design and engineering of mobile and web applications for financial institutions — from neobanks launching their first product to established banks modernizing legacy interfaces. These apps handle account management, transfers, payments, and lending, all while meeting strict security requirements. The challenge isn't building a pretty UI. It's building one that processes real money reliably while keeping regulators, security auditors, and users happy simultaneously.
- PSD2 and Open Banking compliant account access and payment initiation
- Biometric authentication with device binding and step-up verification
- Real-time push notifications for transactions, balances, and alerts
- Core banking integration via REST APIs or legacy middleware adapters
What We Build for Banking
Full-stack banking applications — from the React Native frontend to the ledger backend.
Native & Cross-Platform Banking Apps
React Native and Flutter banking apps with near-native performance. Biometric login, offline-capable transaction history, and accessibility compliance for WCAG 2.1 AA standards.
Authentication & Security Layer
Multi-factor auth with biometrics, device fingerprinting, and adaptive risk scoring. Step-up verification for high-value transactions. Session management that balances security with usability.
Open Banking API Integration
PSD2-compliant AISP and PISP connections via Plaid, TrueLayer, or direct bank API integration. Account aggregation across multiple institutions with real-time balance updates.
Financial Management Tools
Spending categorization, budget tracking, and savings goal features powered by transaction data analysis. Cash flow forecasting that actually helps users make better financial decisions.
Core Banking Connectivity
Integration with core banking platforms like Temenos, FIS, Mambu, and Thought Machine. We handle the middleware layer that translates legacy COBOL systems into modern REST APIs.
AI-Powered Banking Features
Smart transaction search, anomaly detection for suspicious activity, and personalized product recommendations. Chatbot support for account inquiries that resolves 70% of tickets without human intervention.
Who Needs Custom Banking App Development?
When vendor apps hit their limits, custom development fills the gap.
Neobanks & Challenger Banks
Launch a fully branded banking experience on top of BaaS providers like Mambu or Thought Machine. One neobank client acquired 50K users in the first quarter with an app built in 7 months from zero.
Community Banks & Credit Unions
Replace outdated vendor apps that your members complain about. We integrate with Jack Henry, Fiserv, and FIS core systems while giving you a modern mobile experience that competes with the big banks.
Fintech Startups with Banking Features
Add banking functionality (accounts, cards, payments) to your existing product via embedded finance. Integrate Stripe Treasury, Unit, or Mercury APIs into your platform without building a bank from scratch.
Corporate & SMB Banking
Multi-user business accounts with role-based permissions, batch payment uploads, and cash management dashboards. Features that business owners need but consumer banking apps never provide.
How We Build Banking Apps
A structured process that accounts for the unique challenges of banking — compliance, security, and integration with slow-moving legacy systems.
Banking Requirements & Compliance Mapping
We identify which regulations apply (PSD2, state banking laws, data residency) and which core banking integrations are needed. This prevents the mid-project surprises that kill banking app timelines.
UX Design for Financial Trust
Banking UX is different from consumer app UX. Users need to trust the interface with their money. We design clear transaction flows, prominent balance displays, and confirmation patterns that prevent costly mistakes.
Secure Frontend & Backend Development
Frontend in React Native with certificate pinning and jailbreak detection. Backend APIs with OAuth 2.0, rate limiting, and request signing. Every endpoint validated against OWASP Mobile Top 10 threats.
Core Banking Integration & Testing
We connect to your core banking system or BaaS provider and run transaction simulations across every edge case — partial failures, timeout scenarios, duplicate detection, and reconciliation checks.
App Store Launch & Continuous Improvement
App Store and Play Store submission with compliance documentation. Post-launch analytics tracking for feature adoption, drop-off analysis, and A/B testing of new financial features.
Ready to get started? Let's discuss your project.
Banking App Development Pricing
Pricing that reflects the complexity of building software people trust with their money.
MVP Banking App
A production-ready banking app with core features — account view, transfers, transaction history, and push notifications. Ideal for neobanks testing product-market fit.
Custom pricing based on your requirements
- iOS and Android apps from shared codebase
- Core banking or BaaS integration
- Biometric authentication
- Transaction history and search
- Push notification system
Full-Featured Banking Platform
A complete digital banking solution with lending, card management, budgeting tools, and multi-currency support. Built for scale with 99.99% uptime targets.
Custom pricing based on your requirements
- Everything in MVP plus advanced features
- Card issuance and management
- Lending and credit products
- Personal financial management tools
- Open Banking API integrations
- Dedicated engineering team
Banking App Modernization
Replace your legacy mobile banking interface while keeping existing core banking connections intact. Minimum disruption, maximum improvement in user experience.
Custom pricing based on your requirements
- Legacy system assessment and migration plan
- Modern UI built on existing API layer
- Phased rollout with feature parity tracking
- User migration and adoption support
- Performance optimization for older APIs
Banking App Development Questions Answered
Quick answers to the questions we hear most often.
An MVP banking app (accounts, transfers, cards) takes 5-7 months. A full-featured digital banking platform takes 10-16 months. The timeline depends heavily on core banking integration complexity — connecting to Mambu takes weeks, connecting to a legacy FIS system can take months.
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Ready to Get Started with Banking App Development?
Let's discuss your project and discover how we can help you achieve your business goals with our expert team.