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Financial app development company for fintech startups & banks

From household budget monitoring and wallets, to banking apps, ERP systems and trading platforms — we develop fintech apps that bring convenience and transparency to financial systems of any scale.

Types of financial apps we build

Financial app development spans six product verticals. Each comes with its own compliance scope, integration surface, and user-flow constraints. For platform-scale work in any of these verticals — multi-tenant SaaS, core banking infrastructure, B2B financial APIs — see our fintech software development services.

Banking apps

Digital account opening, card issuance, transaction notifications, in-app card controls. We've built mobile banking apps that launched with 5 000+ users in the first 30 days, with full KYC/AML flows and Open Banking API integration. Typical timeline: 5–8 months for a full mobile + web banking platform.

Payment apps

P2P transfers, merchant payment terminals, QR-code checkout, remittance flows. Integrations across Stripe, Adyen, Braintree, Dwolla, and regional rails (TrueLayer for EU Open Banking). Our KEM mobile payment MVP (Kuwait) reached the App Store in 14 weeks and helped close a $1M seed round before bank-API negotiations.
Loan origination flows, credit-scoring API integration, buy-nowpay-later checkout, broker back-office portals. Risk-model integration is part of the discovery — we don't ship lending products without a documented decisioning layer, typically powered by machine learning development. Typical scope: 6– 9 months for a full origination + servicing platform.

Insurance and insurtech

Policy management dashboards, claims intake apps, underwriting workflow tools. Insurance carriers and brokers come to us when their core systems can't ship a modern policyholder app. Insurtech is treated as a regulated financial product — same compliance discipline as banking and lending, plus actuarial-data integration where needed.

Wealth and trading

Brokerage interfaces, robo-advisory platforms, portfolio dashboards with real-time WebSocket feeds, PDF statement generation, regulatory reporting layers. Typical scope: 9–12 months for a production-grade trading platform with multijurisdiction compliance.

Personal finance

Budgeting apps, savings automation, expense tracking, gamifiedfinancial wellness. These products usually start as a featurewithin a larger fintech offering — we've designed them as bothstandalone consumer apps and embedded modules inside broaderwallet platforms.

Fintech App & Software Development Services

Broker app

Create a place with us where your clients can freely trade and make their income. Whether you make a platform aimed at industry professionals or amateurs, they will appreciate a clear and intuitive UI/UX design with a handful of must-have features: real-time quotes, updates of market indicators, and payment systems integrations

Banking app

With the digitalization trend blooming everywhere, the banking services cannot stand aside. Making an app with us, you can offer your clients quick transactions, assets monitoring, and easy access to your bank products like card statements or issue of new cards. Add friendly interface design, and your clients will become loyal to your brand.

Wallet app

Although called wallets, these apps are more of personal financial assistants. They help to monitor assets and control one's spending. The users enjoy how wallet apps help categorize their finances, set goals, and achieve them. With a thought-through user experience design, we'll make a wallet app that your clients open every day.

Cryptocurrency exchange app

The crypto investment and trading is on the rise and keeps attracting more audience. And the apps are in demand, too — crypto wallet apps included. The must-have features here are real-time updates, exchange integrations, and secure verification. Combined with high performance and intuitive UI/UX, the product we help you create will win your clients' attention.

Custom financial app

If your business needs something innovative that does not fit into any of the existing app types, we are here to assist. Combining our FinTech expertise with your creative ideas will bring value to the end user and profit to your business.

Wealth management app

Today, most people manage their financial assets by using their smartphones, which explains the increased demand for fintech apps. Wealth management platforms are a type of investment app, often aimed at high-profile clients with a sizable net worth. We can develop your wealth management app, and integrate it with useful features such as smart investment advice and budgeting tools

P2P mobile payment app

Mobile platforms for fast P2P transactions are on the rise, with platforms such as Revolut and Wise expanding their reach every year. These apps prioritize user-friendly design, making them accessible and easy to use. We have the expertise to build an engaging P2P mobile payment app with an eye-catching design

Crowdfunding platform

Considering the massive success of platforms like Kickstarter and Patreon, creating a crowdfunding platform can be highly lucrative. By taking advantage of our fintech software development services, you’ll be able to launch a user-friendly crowdfunding app that will attract a diverse audience

Regulatory compliance platform

Navigating the complexities of business laws and regulations can be challenging. That’s why regulatory compliance platforms are getting increasingly popular. These apps are used by businesses to ensure compliance with government standards. By employing our fintech app development services, you can build a user-friendly and cost-effective compliance management platform in no time

Main features

Credit calculator

This feature is useful for insurance and loan apps. It can be used to calculate the final loan amount based on the interest rate, credit score, and other key factors

Push notifications

Today, almost every app uses this feature, but it’s absolutely essential for fintech apps. Push notifications will update customers on the status of their bank accounts and provide other important info, right when something has happened

Investment portfolio optimization

By implementing this feature, you’ll allow users to maximize their investment returns through portfolio diversification and rebalancing. This will give your platform long-term credibility and increase customer trust

View quotes in real time

Used by every prominent investment and trading platform. This feature allows users to get the most accurate information on current stock prices in real time

Conversion and currency exchange

An essential feature for any currency exchange platform, including crypto-trading platforms. It automatically calculates currency rates during the exchange, saving your users time and money

Dashboard with tools and statistics

Every fintech app will benefit from this feature — after all, statistics are essential when it comes to finances. A comprehensive dashboard will display every important metric in one place, improving the user experience

Calculation of ROI, ROR, and other metrics

This feature is invaluable to any professional investor. It provides them with all the relevant performance metrics, allowing them to increase their investment profits

Replenishment and withdrawal from the account

This feature is important to get right — it’s essential for any type of payment or banking platform. To be useful, a fintech app must allow users to deposit and withdraw funds

Accounting of income and expenses

A must-have feature for any expense tracking and budgeting app. It will allow your users to assess their spending habits at a glance and align them with their budget

Generation and export of reports, references, etc

Most banking apps have this feature, as it’s usually required for accounting purposes. The ability to create instant statements and reports will allow your fintech app to stay competitive

Benefits of Developing Finance App with Us

Industry expertise

The crypto investment and trading is on the rise and keeps attracting more audience. And the apps are in demand, too. The must-have features here are real-time updates, exchange integrations, and secure verification. Combined with high performance and intuitive UI/UX, the product we help you create will win your clients' attention.

Full-cycle development

Our team takes your idea and turns it into a digital product. At our agency, we have business analysts, UI/UX designers, mobile and web developers, QA engineers, and project managers — every professional needed to launch the product.

Flexible approach

Purrweb works by two-week sprints, which allows our clients to change the development plan and set new priorities when needed. We're open to new ideas and will help you validate them instead of sticking to a rigid SRS.

Transparent communication

Our clients always know what we're doing. Working with us, you will get weekly reports, product demos biweekly, and access to the design and development environments.

MVP development

We have helped over 200 startups test their business ideas and launch minimum viable products. With 3 months and $40 000, you can get a working product that users will try and share their feedback helping you to improve your idea.

Why choose Purrweb as your financial app development company

550+
Project released
Clients from all around the world
Working with customers from USA, UAE, Japan, and Germany
10 years
Of making apps for startups and businesses
>50К
Positive reviews collected by our customers' apps in the app stores
>7 years
Longest partnership with the client
200+
People on the team
224
reviews on 3 platforms
4,9
average rating
Clutch logo
41 reviews
GoodFirms logo
18 reviews
165 reviews

The industry-leading tech we use to create financial apps

Blockchain

Creating decentralized platforms is one of the leading trends in the financial industry. As a fintech app development company, we have a lot of experience in building blockchain-based solutions focused on financial transparency and security. Blockchain services can be used by everyone, regardless of location, so they have the potential to reach a wide audience

AI and machine learning

Artificial intelligence is often used to develop automated features for fintech apps, such as real-time chatbots and smart security mechanisms. By hiring our fintech software development services, you’ll get a cutting-edge financial app with AI and machine learning functionality

Cloud technology

Many prominent fintech apps utilize cloud computing to improve the user experience and increase their scalability potential. As a fintech app development company, we use the AWS cloud platform for building reliable cloud-based applications for all platforms

IoT

Fintech apps can greatly benefit from IoT technology. It allows developers to implement PoS terminal support and integrate biometric functionality into fintech platforms. By employing our fintech app development services, you'll be able to leverage cutting-edge IoT features to attract new audiences

Robotic process automation (RPA)

Modern financial platforms rely on automated features to provide clients with the most cutting-edge user experience. RPA will allow your app to quickly process payments, verify financial documentation, and identify fraudulent activity. Our fintech development services include integrating RPA features to create intelligent financial platforms

VR/AR

When it comes to integrating advanced tech into your financial platform, it’s worth looking at VR and AR. You can use these technologies to improve the UX of your app, for example, by developing AR data visualization features. As part of our fintech app development services, we can implement VR and AR on your platform to better engage your audience

Our finance app development process

1

Getting started on a project

When we start working on a project, our first step is to collect all the relevant info about your business. After you’ve gotten in touch with us, our project manager will invite you to an online meeting. They will ask about the goals of your business to get a full picture of the vision behind your project. Once the meeting is finished, they will contact you within a day and propose a project budget and timeline
2

Planning out the project

The project manager will plan out the design and development phases using the Agile approach. They will schedule two-week sprints to develop every feature. Then, based on the needs of your project, they will put together a team with experience in building apps for the financial industry
3

UX design

After the planning phase is done, it’s time to begin researching your main competitors. We’ll look at the strong and weak points of their products and make a list of dos and don'ts. Market research allows us to learn from your competitors' mistakes, which will ensure the success of your fintech app
Next, we’ll create wireframes — black-and-white screens showing all the key features. They represent a visual layout of your app's navigational structure. We use Figma for building wireframes — it allows for real-time collaboration, so you can offer edits and suggestions right in the file
4

UI design

After settling on a UX approach, our design team will begin working on the first UI drafts. We’ll make 3 fully finished UI screens, so you could provide us with some feedback. If you’d like to propose any changes to the UI design, this will be the perfect time to do it
After we’ve gotten your feedback, we’ll prepare a UI kit. This is a file containing every design element that will be used in your fintech app. Programmers and other team members will refer to it during development — this will make their jobs a lot easier
5

App development

By using the Agile framework, we can speed up development. We split up the project into flexible iterations. This allows our developers to introduce or remove features throughout the development process
This approach is perfect for fintech startups. It enables them to improve their app’s functionality by experimenting with new features on the fly
We’ll share with you a prototype of a specific feature at the end of each development sprint. This will allow you to test the app yourself
6

QA testing

To make sure your fintech app works correctly, we conduct QA testing alongside the development phase. Our experts will find and fix bugs to ensure your app is working flawlessly on release
7

Release

We’ll publish your fintech app on any prominent store, including the App Store and Google Play Market. Check out the video-reviews from our client, we have a track record of launching applications on time — yours will be no different
8

Support and maintenance

Fintech app development doesn't end with its release. Every app needs to be updated and maintained — this will ensure its long-term success

Tech stack for financial app development

Technology choices in financial apps surface at scale — 50 000 concurrent users, cross-border audits, or a payment processor integration that ships 6 weeks late. We pick stack and service providers based on what's held up in production fintech, not what's trendy.
JavaScript
Nest.js
React.js
Electron.js
React Native
Flutter
Redis
PostgreSQL
AWS
Jenkins
Nginx
WebRTC
PWA
Vercel

Cross-platform financial app development with React Native

React Native isn't a compromise — it's the reason our financial apps ship 30–40% faster than teams running separate iOS and Android codebases. Code reuse runs 90%+ across the apps we've delivered, with platform-specific work limited to biometric integration and store submission. When a regulatory change requires a KYC flow update, one codebase means one fix, not two parallel sprints.
For projects with hard platform-specific requirements — Apple Pay native integration depth, Android-specific banking SDKs — we ship Swift or Kotlin native. Most fintech apps don't need that. See our React Native development services for stack details.

Finance app development cost & timeline

Financial app development cost ranges from $25,000 for a singleplatform MVP to $300,000+ for a full mobile + web platform with multi-jurisdiction compliance. The cost drivers are: number of third-party integrations, regulatory scope, platform targets (mobile only, web only, or both), and feature depth. Here are the ranges from our actual Purrweb projects — not industry benchmarks.
Product type
Typical budget
Timeline
What’s included
Finance app MVP (1 platform)
$30 000 – $70 000
3–4 months
Core flows; 1 payment gateway; basic KYC
Full mobile finance app (iOS + Android)
$80 000 – $150 000
4–6 months
React Native; 2–3 integrations; compliance layer
Multi-feature financial app (mobile + web)
$150 000 – $300 000
6–9 months
Core banking API; multicurrency; KYC/ AML; admin panel
Trading platform / investment app
$200 000 – $500 000+
9–12 months
Real-time feeds; brokerage API; regulatory reporting
Post-launch support (retainer)
From $2 500/ month
Ongoing
Bug fixes, performance monitoring, payment gateway incident response
What drives cost up
  • Multi-jurisdiction compliance (EU + US + UAE simultaneously)
  • Custom core banking integration (Temenos, Mambu, Finastra) vs BaaS APIs (Stripe Treasury, Unit)
  • Real-time trading or streaming data requirements
  • White-label architecture for multiple tenants
What keeps cost down
  • React Native single codebase instead of two native apps
  • BaaS / payment-gateway tokenization to minimize PCI DSS scope
  • Phased delivery via fintech MVP development before full buildout
  • Existing identity provider (Onfido, Sumsub) instead of custom KYC build
Not sure which stack fits your project — get in touch: we'll look into your case for free and explain which tools we'd pick and why.

Our models of cooperation

T&M

The T&M (Time & Material) model will give you access to our team of financial app developers. This model is flexible and allows new features to be added during the development process. This can be especially useful for a fintech startup, making it possible to implement new features on the fly. When the project is completed, you'll only pay for the hours spent developing the app — this will help you avoid unnecessary costs

Outsourcing

By outsourcing app development to us, you’ll get a fintech MVP in the shortest possible time without having to hire any staff. To ensure your app’s success, we’ll assemble a team of professionals with expertise in your specific field. You’ll receive updates from us throughout the entire development process. This way, your project will meet all the necessary deadlines, and the app release will go smoothly

Outstaffing

Through outstaffing, you can hire skilled developers to expand your tech stack. We have access to 200 IT experts ready to take on a project of any size. That includes Flutter and PHP developers, as well as UI/UX designers and project managers. We’ll carefully assess the requirements of your project and select the right professionals for the job. Our experts will work under your supervision, seamlessly fitting into any ongoing project

What our clients tell about us

Pogovorim.online service screenshots
Portrait of person
Lou Severine
CEO
Contentplace — marketplace for content makers
Watch a video review

Purrweb was the perfect solution for us to build the utmost viable platform. The way they worked helped us in building and designing our platform — better than we could have ever expected. We recommend Purrweb 100% for any of your developing needs.

Contentplace — marketplace for content makers
Marketplace, Video Development, Design, MVP

A web application that helps anyone creating video content to buy or sell it. Users can find videos directly from creators without violating copyright. Content creators can discover new distribution channels and receive donations from subscribers

View full case
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Portrait of person
Seth Abel-Sadeq
CEO
Kem — Payment app
Watch a video review

My name is Seth Abel and I’m CEO at a Fintech company called KEM. We provide payment services and help people to connect with each other in terms of financial matters. We really needed help with developing an MVP. Our banking partners required an MVP from us to demonstrate our ability to put up a product. I think the job was done really swiftly and very effectively. A good product was delivered, so I was really happy with the services and I would definitely recommend Purrweb.

Kem — Payment app for Kuwait market
Fintech, Mobile, Banking, Development, MVP

Kem is an application for exchanging money. The user can send money or request it from a friend. In Kuwait, not all people have access to online banking services and this is a major problem. Kem solves this by providing a convenient, fast and secure P2P payment service.

View full case
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Portrait of person
Thomas Walczak
Head of Product
Eventignite - Digital Signage Software for Events
Watch a video review

The Purrweb team helped us reach and serve new customers all around the world.

Eventignite — Digital Signage Software for Events
Desktop App, Development, Maps, Filters

Eventignite is a desktop application used during exhibitions. Visitors can explore the map (zoom in and out), search info about exhibitors and their location on map (stand), check the schedule of speakers, add interesting points to checklist with sending to email. Application load depends on map size and how many exhibitors will take part (max real event was 3500).

View full case
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Delauno Hinson
Co-founder and CEO
Stealth startup. The family tasks management app
Watch a video review

Purrweb helped me build a productivity tool for families and household management. I really enjoyed the professionalism of the project manager, the team of engineers, and the QA specialists assigned to my project. They were dedicated to the project, and the entire process was well orchestrated. Purrweb helped me launch the app right on time and within my planned budget.

The family tasks management app
Development, MVP, Google API, Shared Tasks

The app helps families improve teamwork by simplifying task management. Users can share contacts with another family member and organize the essential family information.

Portrait of person
Lou Severine
CEO
Contentplace — marketplace for content makers

Purrweb was the perfect solution for us to build the utmost viable platform. The way they worked helped us in building and designing our platform — better than we could have ever expected. We recommend Purrweb 100% for any of your developing needs.

View full case
Portrait of person
Seth Abel-Sadeq
CEO
Kem — Payment app

My name is Seth Abel and I’m CEO at a Fintech company called KEM. We provide payment services and help people to connect with each other in terms of financial matters. We really needed help with developing an MVP. Our banking partners required an MVP from us to demonstrate our ability to put up a product. I think the job was done really swiftly and very effectively. A good product was delivered, so I was really happy with the services and I would definitely recommend Purrweb.

View full case
Portrait of person
Thomas Walczak
Head of Product
Eventignite - Digital Signage Software for Events

The Purrweb team helped us reach and serve new customers all around the world.

View full case
I don't know who they are
Delauno Hinson
Co-founder and CEO
Stealth startup. The family tasks management app

Purrweb helped me build a productivity tool for families and household management. I really enjoyed the professionalism of the project manager, the team of engineers, and the QA specialists assigned to my project. They were dedicated to the project, and the entire process was well orchestrated. Purrweb helped me launch the app right on time and within my planned budget.

FAQ

How much does it cost to develop a fintech app?

Cost ranges typically $25,000–$300,000+ depending on scope, compliance requirements, and platform targets. A finance app MVP with one payment integration and basic KYC sits in the $30k–$70k range and ships in 3–4 months. A multi-feature app with iOS + Android, two payment processors, and a compliance audit layer typically runs $80k–$150k over 4–6 months. Trading platforms and full banking apps with multi-jurisdiction compliance reach $200k–$500k+ over 9–12 months. Fixed-scope quotes follow a 1–2 week paid discovery sprint.

How long does it take to develop a financial app?

3 to 12 months, depending on regulatory scope and feature depth. MVP-level apps with one payment integration ship in 3–4 months. Apps with KYC/AML flows, multi-currency support, or trading features land at 6–9 months. Compliance-heavy products with PCI DSS Level 1 audit and multi-jurisdiction approval take 9–12 months. Discovery and design adds 4–6 weeks before development starts.

How do you develop a financial app — what’s the process?

Four steps. First, a paid discovery sprint, 1–2 weeks: requirements, compliancemapping, architecture design. Second, a fixed-scope proposal with milestonepayments. Third, development: weekly demos, Slack access to the full team,TypeScript and React Native for mobile or React/Next.js for web. Fourth, launchwith 3 months of post-launch support included. You own all code and IP from dayone.

How do I choose the right financial app development company?

Three criteria matter most. Documented compliance approach — agencies that say “we’ll figure it out later” routinely add 3 months of rework before launch. Real production fintech case studies on the agency’s own site, not stock screenshots — and not Clutch listings that don’t link back to live products. Fixed-scope engagement instead of hourly billing — fintech projects on open-ended billing overrun by 2–3× more often than fixed-scope ones. Bonus signal: published $-range tiers per product type. Most agencies hide pricing; the ones that publish it tend to be the ones that hit it.

What security and compliance standards apply to financial apps?

PCI DSS for payment processing, GDPR for EU/UK data handling, SOC 2 Type II for B2B SaaS fintech, GLBA for US financial institutions, plus KYC/AML flow requirements for any product moving money. Each shapes architecture differently — PCI DSS scope reduction via tokenization (Stripe Elements, Adyen Drop-in) keeps the compliance surface area small, while SOC 2 audit cycles add quarterly evidence collection to ops. Compliance mapping is part of the discovery sprint before any code gets written.

How do you integrate payment APIs like Plaid, Stripe, or Dwolla?

Plaid handles bank account verification, account linking, balance checks. Stripecovers card payments, payouts, and treasury accounts. Dwolla handles ACHtransfers in the US. Our integrations cover Plaid, TrueLayer (EU equivalent), Stripe,Adyen, Braintree, Dwolla, plus identity providers Onfido, Sumsub, and Jumio.Public APIs typically ship in 1–2 sprint cycles. Proprietary core banking APIs —Temenos, Mambu, Finastra — need an additional discovery sprint to assess scopebefore scoping work.

What types of financial apps do you build?

Six main verticals. Banking apps (digital account opening, card management, push notifications). Payment apps (P2P transfers, merchant payments, QR codes). Lending and BNPL (loan origination, credit scoring, repayment dashboards). Insurance and insurtech (claims intake, underwriting workflows, policy management). Wealth and trading (brokerage interfaces, robo-advisory, portfolio dashboards). Personal finance (budgeting, savings automation, expense tracking). All six can ship with KYC/AML flows, multi-currency, and bank integrations.

How do you ensure data security in a financial app?

TLS 1.3 for data in transit, AES-256 at rest, biometric authentication on mobile (Face ID, fingerprint), tokenization of card data so it never touches our servers, HashiCorp Vault for secrets management, full audit logging of every state change. Penetration testing before launch, regular dependency scanning, secure SDLC throughout the project. This is the implementation side — compliance frameworks (PCI DSS, SOC 2) define what’s required; this is how it gets built.

What’s the difference between a fintech app and a financial app?

A financial app is the consumer-facing mobile product — a wallet, a banking app, an investment dashboard. Fintech is broader — it covers back-office systems, core banking software, B2B platforms, embedded finance APIs, and the regulated software infrastructure underneath. If the scope is a mobile product for end users, “financial app” is the right framing. If the scope is platform-level or B2B, see our fintech software development services.

Can you build a financial app for both iOS and Android?

Yes. We use React Native + TypeScript for cross-platform financial apps — singlecodebase, both stores, 30–40% faster time-to-market than separate iOS and Androidteams. Code reuse runs 90%+ across the apps we’ve shipped. Platform-specificwork stays limited to biometric integration and App Store / Play Store submission.Native iOS-only (Swift) or Android-only (Kotlin) when there’s a hard platformspecific requirement — rare in fintech.