Mobile Banking App Development Company

We build secure mobile banking apps for banks and neobanks, and we handle the hard parts ourselves: regulatory checks, biometric login, and the connection to your core banking system. You get a product that's ready for real users and audits, and taken all the way from MVP to scale.

From $80KMVP live in 4 monthsReact Native + TypeScript

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What you get:

PCI DSS-ready architecture from the start, so you pass payment-processor audits without rebuilding later.

KYC/AML and biometric authentication built in, with onboarding flows that clear regulatory checks the first time.

Real-time payments and transfers that hold up under load, with the same engineering we used to ship platforms handling 10,000+ transactions per hour at launch.

Your source code and IP from day one, full ownership with no vendor lock-in.

Our expertise in numbers

550+

projects delivered

70%

of clients return for a second project

210+

specialists on the team

10+

years in the market — not a single unfinished project

Clutch Top Developers 2024

4.9 on Clutch (44 reviews)

Best Design Award 2023

Clutch Top Developers 2024

4.9 on Clutch (44 reviews)

Best Design Award 2023

Clutch Top Developers 2024

4.9 on Clutch (44 reviews)

Best Design Award 2023

Who we help

We work with banks, neobanks, and fintech founders, and we plug in at any stage, from a first MVP to scaling a live banking product.

Founders and neobank startups

For teams launching a first banking product with a license or sponsor-bank model, who need a working app before the next funding round.

Working with us, you:

Launch a banking MVP in 4 months, on a fixed scope and budget with no surprises

Get KYC/AML onboarding and biometric login built into the first release

Put a working product in front of investors and partner banks, not a prototype

Ship both iOS and Android from one React Native codebase to save 30-40% of build time

Keep your source code and IP from day one, ready to scale after the round

Discuss your MVP

CTOs and product leaders at banks

For teams with an in-house IT department that need an outside crew to ship a mobile product fast, without disrupting the core.

Working with us, you:

Add a mobile-first app over your existing core banking, with no production downtime

Get core and open banking APIs integrated, from Temenos and Mambu to Plaid

See progress every week through demos and direct access to the team on Slack

Receive code built to standard with CI/CD, code review, and test coverage

Hand the product to your in-house team anytime, with full documentation

Discuss architecture

CIOs modernizing retail banking

For institutions replacing a legacy banking experience who need a structured migration, not a risky big-bang rebuild.

Working with us, you:

Move from legacy core banking to a mobile-first app through a tested migration path

Keep the legacy system running in parallel until traffic has fully shifted across

Reduce your PCI DSS audit surface through tokenization and scope mapping

Pass processor and regulatory audits with compliance documented before any code

Get a modern React Native codebase your own team can own and maintain

Book a technical call

AND EVERYONE ELSE

If your scenario isn't listed above, that doesn't mean we can't help.

Fill a form and you'll get:

HR system scoping in 3 days — architecture, module list, and estimate

Analysis of your current hr processes and automation opportunities

Integration recommendations for your existing payroll, ERP, or HR tools

Signed NDA before the first call

All of this is completely free!

Discuss your banking software development

When can we help

From a first neobank MVP to legacy modernization, a clear path for every stage.

You have a banking license but no team to build the app

Hiring an in-house banking team takes 6-8 months before the first screen ships. A neobank MVP in 4 months puts a working product in front of investors and partner banks, not a slide deck.

Show details

When this is relevant:

You have a banking license or a sponsor-bank partner model in place

A funding round is planned in the next 4-6 months

No in-house mobile team to build a production banking app

Time to market is critical and competitors are already moving

Our approach:

Run a 3-day mini-design to fix architecture, scope, and tech stack

Build the MVP in 4 months with weekly demos you can watch live

Wire up one payment flow and basic KYC for a credible product

Hand over full documentation or stay on for post-launch support

What you get:

A working banking MVP in 4 months, ready for investors and partner banks

KYC/AML onboarding and biometric login built into the first release

Fixed scope and budget agreed upfront, so no billing surprises mid-build

Your source code and IP from day one, with no vendor lock-in

Your legacy core banking blocks a mobile-first launch

Your core banking system runs the business but was never built for a mobile-first product. We add a modern app layer on top without taking production down, so customers get a new experience while the back office keeps running.

Show details

When this is relevant:

Core banking runs on Temenos, Mambu, or an in-house legacy stack

Customers expect a mobile experience the current system can't deliver

A full rebuild is too risky to run on live production

Your internal team is stretched across maintenance, not new product

Our approach:

Audit the current core banking stack and its API contracts

Design a parallel migration that runs alongside the legacy system

Build the mobile app in React Native against the new service layer

Shift traffic gradually until the old path can retire safely

What you get:

A mobile-first app layer over your existing core banking, with no downtime

A migration path planned and tested before anything touches production

Open banking and core banking APIs wired into the new app

A modern React Native codebase your team can maintain afterwards

Compliance keeps stalling your banking app release

Most banking apps fail the audit weeks before launch because compliance was bolted on at the end. We map PCI DSS, KYC/AML, and PSD2 before the first line of code, so the release date holds.

Show details

When this is relevant:

You operate in regulated markets across the EU, UAE, or US

A previous app submission was rejected or failed an audit

KYC/AML onboarding drops too many users before completion

A payment-processor or PCI DSS review is coming up

Our approach:

Open with a compliance mapping session during the discovery phase

Integrate certified KYC/AML providers like Onfido, Sumsub, or Jumio

Design payment flows around PCI DSS scope reduction

Test against audit and store requirements before release

What you get:

A compliance map for PCI DSS, KYC/AML, and PSD2 before development starts

Onboarding flows designed to clear regulatory checks the first time

PCI DSS scope reduced through tokenization to shrink your audit surface

An app architecture that passes processor and app-store review

Our projects

KEM — P2P payment app for Kuwaiti market

Built a bank-ready P2P payment MVP

Delivered demo-ready flows for API negotiations

Helped close a $1M seed round

Read the full case

Mobile banking app development cost

Open ranges from our actual banking and fintech projects, not industry estimates. We work on fixed scope: milestones and budget are agreed before we start.

Simple project

from $80K

Timeline: 4 months

8-12 screens | Basic banking

Account opening

One payment flow

Basic KYC

Biometric login

Transaction history

Examples: neobank MVP, P2P payment app, single-account wallet

Mid project ⭐

$150K-$300K

Timeline: 7 months

20-30 screens | iOS + Android

Multi-currency accounts

Card issuance

KYC/AML

Core banking API

Push

Admin panel

Examples: retail banking app, business banking, digital wallet suite

Complex project

from $300K

Timeline: 12 months

30+ screens | High load

Core banking integration

Multi-currency

PCI DSS Level 1 scope

Fraud detection

Web and mobile

Examples: full neobank, multi-country banking platform, banking modernization

Note:

Exact cost depends on:

number of third-party integrations

regulatory and compliance scope

platforms (mobile only or mobile and web)

core banking complexity

Mobile banking app development process

We work in 2-week sprints. After each one you get a demo and a build you can try. From the first call to release, you always know what's happening and what comes next.

Mini-design and compliance mapping

We break down your requirements, fix the architecture and tech stack, and estimate scope and budget.

Duration: 3 days

We break down your requirements, fix the architecture and tech stack, and estimate scope and budget. In the same step we run a compliance mapping session and document PCI DSS scope, KYC/AML flows, and PSD2 obligations, so nothing surfaces as a surprise weeks before launch.

What you get:

A fixed scope and budget estimate, so you can plan the round and roadmap

A compliance map for PCI DSS, KYC/AML, and PSD2, documented before code

A tech-stack recommendation, so you start on the right foundation

UX and UI design

We design onboarding, accounts, cards, and payment screens.

Duration: 4 weeks

We design onboarding, accounts, cards, and payment screens with a focus on reducing drop-off in KYC, since a confusing consent screen is also a compliance risk. We prototype the flows, gather your feedback, and only then move into full UI in Figma, covering every screen, state, and animation.

What you get:

A clickable prototype, so you see how the app works before it's built

Every screen in Figma, a ready handoff for the engineering team

Onboarding flows designed to clear regulatory checks the first time

Development and integrations

We build iOS and Android from one React Native codebase with weekly demos.

Duration: 3 months

We build iOS and Android from one React Native codebase with weekly demos you can watch live. We integrate core banking APIs like Temenos and Mambu, open banking through Plaid or TrueLayer, and certified KYC/AML providers, and we design payment flows around PCI DSS scope reduction.

What you get:

A working banking app on both platforms from a single codebase

Core and open banking APIs integrated, tested on live data

Code built to standard with CI/CD, code review, and test coverage

Testing and security

We run full QA across devices, fix bugs, and optimize performance.

Duration: 1 month

We run full QA across devices, fix bugs, and optimize performance. The build is checked against audit and app-store requirements, with end-to-end encryption, secrets management, and penetration-test-ready infrastructure in place before release.

What you get:

A release-ready build that passes processor and store review

A security setup with AES-256 encryption and managed secrets

A tested app across devices, so launch day holds under real load

Release and support

We release to the App Store and Google Play, help you pass moderation, and monitor stability.

Duration: 2 weeks

We release to the App Store and Google Play, help you pass moderation, and monitor stability after launch. From here you can take the product in-house with full documentation, or keep us on a retained support model for monitoring and incident response.

What you get:

A live app in both stores, with moderation handled for you

Full documentation, so your team can own the product anytime

Optional 24/7 support with monitoring and payment-gateway incident response

William Angel

Personalised — wellness app design

Watch a video review

I'm the CTO of Personalised Co., an app for tracking supplement and vitamin intake. Purrweb designed the product's UI/UX with a Shopify store integration for automatic reordering, and built an interface for healthy living with personalized tracking.

Personalised — wellness app design

HealthTech, Design, Mobile app, Shopify, Wellness

Personalised Co. is an app for people who take supplements and vitamins regularly: intake tracking and automatic reordering through a Shopify integration. Purrweb designed the product's UI/UX with a supplement marketplace and a personal intake schedule.

View full case

Seth Abel-Sadeq

KEM — Payment app

Watch a video review

I'm the CEO of KEM, a P2P mobile payment service for the Kuwaiti market, where not everyone has access to online banking. Our banking partners needed an MVP for demonstrations. Purrweb delivered the design and the MVP, working around the restrictions on connecting to the banking API. On completion, they handed the project over to our in-house team with full documentation and a month of technical support.

KEM — Payment app

Fintech, Design+Development, Mobile app, Cross-platform, MENA

KEM is a P2P app for instant money transfers in the Kuwaiti market: linked bank cards, money requests from the contact list, and transaction history. The key challenge: for security reasons, Kuwaiti banks don't allow outside developers to work with their API — so Purrweb built the back end on mock data, fully simulating the final functionality for demos.

View full case

Matt Brzowski

Founder

Buzz

Watch a video review

I'm building Buzz, an app for finding and organizing events in small American towns. I came to Purrweb with almost nothing — just an idea. Purrweb helped with marketing, brand identity, and the logo, and walked the whole road to MVP with us, even when our requirements shifted a lot in the early stages. I valued the flexibility and the quality of the design.

Buzz

Lifestyle, Design+Development, Mobile app, Social app, Geolocation

Buzz is a geosocial service for residents of small American towns: a geolocation-based feed of public events, private events with friend invites, group chats, and a Ticketmaster integration. Purrweb created the brand identity from scratch, optimized the architecture, reused ready-made modules, and shipped the MVP in 12 months.

View full case

William Angel

Personalised — wellness app design

Watch a video review

Personalised — wellness app design

HealthTech, Design, Mobile app, Shopify, Wellness

View full case

Seth Abel-Sadeq

KEM — Payment app

Watch a video review

KEM — Payment app

Fintech, Design+Development, Mobile app, Cross-platform, MENA

View full case

Matt Brzowski

Founder

Buzz

Watch a video review

Buzz

Lifestyle, Design+Development, Mobile app, Social app, Geolocation

View full case

Our other services

Fintech Software Development Defi Financial Services Design Web3 Fintech App Development Lending Software Development

How do I start building a mobile banking app with Purrweb?

Start with a 3-day mini-design. We break down requirements, fix the architecture and tech stack, map compliance, and agree a fixed scope and budget. From there, a banking MVP takes 4 months from signed brief to the stores.

How much does it cost to develop a mobile banking app?

It depends on scope. A simple MVP starts from $80K, a full iOS and Android banking app runs $150K-$300K, and a neobank or enterprise platform starts from $300K. We give a fixed-price estimate after the mini-design.

How long does it take to develop a mobile banking app?

A banking MVP takes 4 months from signed brief to the stores. A full mobile banking app takes 7 months, and a neobank with multi-jurisdiction compliance takes 12 months. Timelines are fixed at the mini-design stage.

Can you reduce the cost without compromising quality?

Yes. We fix scope at the mini-design and build the minimum credible product first, so you spend on what validates the business. React Native covers both platforms from one codebase, cutting build time by 30-40% versus separate iOS and Android teams.

What does the development process look like?

We work in 2-week sprints with a demo and a usable build after each one. The flow runs mini-design, UX and UI, development with integrations, testing and security, then release. You get weekly demos and direct Slack access to the team throughout.

Who is on the team and how do you control quality?

Each project gets a dedicated team: a PM, tech lead, 2-3 engineers, a QA specialist, and a designer. Code is built to standard with CI/CD, code review, and test coverage, and your PM responds on Slack within 4 business hours.

Can you integrate with our core banking system and payment providers?

Yes. We've integrated core banking systems like Temenos and Mambu, open banking via Plaid and TrueLayer, payment gateways like Stripe and Adyen, and KYC providers like Onfido, Sumsub, and Jumio across live banking projects.

Do you support migration from legacy core banking to a mobile-first app?

Yes. We run a parallel migration: new banking services run alongside your legacy system, with traffic shifted gradually until the old infrastructure retires safely. No big-bang rewrites on live production, and a modernization track typically runs 4-8 months.

Who owns the code and the intellectual property?

You own all code and IP from day one. There's no vendor lock-in: at any point you can take the product in-house with full documentation, or keep us on a retained support model. The handover is built into the process, not charged as an extra.

Why React Native for a mobile banking app instead of native iOS and Android?

React Native runs one codebase for both platforms, so you get to market 4-6 weeks faster and cut build cost by 30-40%. When a regulatory change needs a KYC update, it's one fix, not two parallel sprints, which matters in a compliance-heavy product.

Mobile Banking App Development Company

What you get:

Our expertise in numbers

Who we help

Founders and neobank startups

CTOs and product leaders at banks

CIOs modernizing retail banking

AND EVERYONE ELSE

When can we help

You have a banking license but no team to build the app

Your legacy core banking blocks a mobile-first launch

Compliance keeps stalling your banking app release

Our projects

KEM — P2P payment app for Kuwaiti market

Broex — multi-currency crypto wallet

Fintarget — investment platform for a BCS broker

Mobile banking app development cost

Simple project

Mid project ⭐

Complex project

Mobile banking app development process

Mini-design and compliance mapping

UX and UI design

Development and integrations

Testing and security

Release and support

What our clients say about us

Our other services

FAQ

How do I start building a mobile banking app with Purrweb?

How much does it cost to develop a mobile banking app?

How long does it take to develop a mobile banking app?

Can you reduce the cost without compromising quality?

What does the development process look like?

Who is on the team and how do you control quality?

Can you integrate with our core banking system and payment providers?

Do you support migration from legacy core banking to a mobile-first app?

Who owns the code and the intellectual property?

Why React Native for a mobile banking app instead of native iOS and Android?