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Neobank App Development Company

Neobank app development without the 18-month compliance nightmare. We ship a working digital banking app in 4 months — KYC/AML, multi-currency wallets, and Open Banking API integration all wired in before launch, not scrambled together the week before your audit.

What you get:

Cross-platform on one codebase. React Native means iOS and Android from a single build, so a compliance change is one fix instead of two.
Design that earns trust in 3 seconds. Money apps live or die on how safe they feel, so we design for confidence, not just clean screens.
Senior engineers, not juniors learning on your project. You get a dedicated team that's already built banking apps, so your budget goes to shipping, not to someone's fintech learning curve.
You own everything. Full source code, documentation, and a clean handoff whenever you bring it in-house or scale with a dedicated team

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
⭐⭐⭐⭐⭐ 4.9 on Clutch (44 reviews) |
⭐⭐⭐⭐⭐ 5.0 on GoodFirms (19 reviews)
⭐⭐⭐⭐⭐ 4.9 on Clutch (44 reviews) |
⭐⭐⭐⭐⭐ 5.0 on GoodFirms (19 reviews)
⭐⭐⭐⭐⭐ 4.9 on Clutch (44 reviews) |
⭐⭐⭐⭐⭐ 5.0 on GoodFirms (19 reviews)

Who we help

From neobank founders raising their first round to banks launching a digital arm, each role gets a build that fits its stage.

Neobank founders

For those launching a digital bank on a BaaS partner or license, who need a real product before the next funding round.
Working with us, you:
Launch a working neobank app in 4 months instead of an 8-month hiring cycle
Get core banking features live: onboarding, KYC/AML, multi-currency wallets
Ship a demo investors can tap through, not another pitch deck
Validate the model with real users before betting the full roadmap on it
Keep full source code and IP, so nothing locks you to one vendor
Discuss your neobank
Discuss your neobank

CPO / CTO at banks & financial institutions

For financial institutions adding a digital banking app, spinning up a side product, or extending a team that's already at capacity.
Working with us, you:
Plug in a dedicated team in 2 weeks without a long hiring ramp
Integrate with your core banking systems and third party services cleanly
Get code to standard: CI/CD, code review, test coverage, full documentation
Ship faster with React Native, one codebase for iOS and Android
Hand the project back in-house anytime, with nothing lost in translation
Discuss architecture
Discuss architecture

Product & design leads

For teams whose banking app works but feels dated, and who can't freeze the roadmap for a six-month redesign.
Working with us, you:
Get a UI/UX audit that shows exactly where users drop off
See your art director present each redesign concept in person
Receive a Figma design-system that makes future screens ship faster
Roll out the new design screen by screen, with no fintech custom software development freeze
Choose your format: fixed-price or time & material, whichever fits
Book a UX audit
Book a UX audit

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:
Neobank app scoping in 3 days — architecture, core feature list, and estimate.
Review of your BaaS or licensing setup and the fastest path to launch.
Integration recommendations for your core banking systems, payment rails, and KYC providers.
Signed NDA before the first call.
All of this is completely free!
Discuss your neobank software development
Discuss your neobank software development

When neobank app development makes sense

From a banking license with no product team to a dated app losing users — a path for each case.

You have a BaaS deal or license, but no product team

You've secured a Banking-as-a-Service partner or a license, but hiring an in-house team to build neobank apps takes 8 months of recruiting before a single screen ships. Your time-to-market window is closing while competitors launch.
Show details
When this is relevant:
A signed BaaS provider or banking license, but no engineers to build on it
No time to assemble an in-house team before the market window closes
Core banking features need to ship before a partner deadline
Cross-border payments or multi-currency support is a launch requirement
Our approach:
We run mini-design in 3 days to lock scope, stack, and architecture
We build in 2-week sprints with a working demo at the end of each one
We integrate third party services (payment rails, identity providers) in parallel
We hand off full code and docs, or stay on as your dedicated team
What you get:
A live banking app in 4 months instead of an 8-month hiring cycle
Core banking features wired to your BaaS or core banking systems
KYC/AML and Open Banking API integration handled by people who've shipped it
A dedicated team that plugs in now, no ramp-up tax on your budget
Want the numbers first? See our project estimation guide and fintech app development cost breakdown.

Investors want a working neobank, not a pitch deck

Slides don't close rounds anymore — investors want a real banking app they can tap through, with KYC and a funded test transaction. A polished MVP turns "interesting idea" into "show me the metrics."
Show details
When this is relevant:
A funding round in 4–6 months and a need for proof, not promises
Investors are asking to see a live product before committing
A validated idea that needs a real build to test with users
A demo that has to feel like a finished banking app, not a prototype
Our approach:
We prioritize the minimum set of core features that prove the model
We build the demo-critical path first so it's ready ahead of the pitch
We ship clean, documented code a future team can extend
We design for trust because investors judge fintech UX in seconds
What you get:
A working neobank MVP investors can actually use on their phones
Core flows live: onboarding, KYC, multi-currency wallet, transaction history
A build that scales after the round without a full rewrite
Design that signals a fundable, serious financial product
Prepping the raise? Read our guide to pitching investors.

Your banking app is live but losing users

The app works, but the UX feels dated and support tickets pile up. Users churn to slicker competitors, and your team can't pause the roadmap for a six-month redesign.
Show details
When this is relevant:
A working banking app with rising complaints about usability
Competitors that simply look and feel more modern
A UX that quietly drags down activation and retention
No room to freeze development for a long redesign
Our approach:
We audit real user flows and prioritize the highest-impact fixes
Our art director presents the new concept personally at key milestones
We deliver a Figma design system, not one-off screens
Our system analyst hands engineers spec-complete tickets, nothing lost
What you get:
A clear UI/UX audit that pinpoints where users drop off
A modern, emotional redesign that rebuilds trust on first open
A reusable design system so new screens ship faster later
A rollout plan that updates screen by screen, no dev freeze
See how we approach banking app design and product redesign.

Neobank and fintech apps we've shipped

We don't pitch neobank app development services we've never delivered. Here are real banking and payment products we built, launched, and handed off — pulled straight from our portfolio.
KEM — Kuwaiti mobile payment platform
Fintech
Banking app
P2P payments
MVP
Launched a working payment app on the App Store in 14 weeks
Built card linking, QR transfers, and P2P money movement
Delivered the MVP that helped close a $1M seed round

KEM — Kuwaiti mobile payment platform

KEM — Kuwaiti mobile payment platform
Broex — multi-currency crypto wallet
Fintech
Investment & trading
Cross-platform
Built a cross-platform wallet for multiple currencies
Implemented real-time market data and trading flows
Shipped one React Native codebase for iOS and Android

Broex — multi-currency crypto wallet

Broex — multi-currency crypto wallet
Budss — fintech cashback app
Fintech
UI/UX audit
Redesign
Ran a full UI/UX audit of the existing banking app
Redesigned the core experience in one month
Added QR codes, social features, and group creation

Budss — fintech cashback app

Budss — fintech cashback app

Neobank app development cost

Three scopes, real ranges from our own fintech projects — not industry benchmarks. Exact pricing comes after a 3-day mini-design.

Starter neobank MVP

Price: from $30,000
Timeline: 4 months
Single-platform MVP to validate the model or demo to investors.
What's included: onboarding, KYC, one payment gateway, multi-currency wallet, transaction history, basic admin panel
Examples: investor-demo neobank, single-market wallet, P2P payment MVP

Full neobank app ⭐

Price: from $80,000–$150,000
Timeline: 6 months
Production banking app on one React Native codebase, ready for real users.
What's included: full KYC/AML, 2–3 integrations, Open Banking API integration, bill payments, instant money transfers, push notifications, fraud detection
Examples: consumer neobank, multi-currency wallet app, digital banking launch

Multi-feature neobank platform

Price: from $150,000
Timeline: 9 months
Full platform for banks and financial institutions with deeper compliance.
What's included: core banking API, multi-currency accounts, cross-border payments, KYC/AML, web admin, regulatory reporting, advanced security measures
Examples: licensed neobank, cross-border banking platform, white-label digital bank
Post-launch support: from $2,500/month — bug fixes, performance monitoring, payment-gateway incident response, ongoing maintenance.
The exact neobank app development cost depends on:
number of third-party services and integrations
regulatory compliance scope (one market vs multi-jurisdiction)
platform targets (mobile, web, or both)
core banking systems (BaaS API vs custom)
Get the exact cost and timeline for your neobank app development project
Free neobank scoping in 3 days: architecture, estimate, and roadmap. NDA signed before we discuss any details.
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Get your free audit in 3 days
Get your free audit in 3 days
Get the exact cost and timeline for your neobank app development project
Free neobank scoping in 3 days: architecture, estimate, and roadmap. NDA signed before we discuss any details.
Your role in the project
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Budget
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How we’ll build your neobank app

We work in 2-week sprints with a demo and report after each one. From the first call to the store release, you always know what's shipping and when.
1

Intro & mini-design

We learn your model, your BaaS or license setup, and your compliance scope, then map the build.
Duration: 3 days
What happens: We run a scoping call, review your business goals and any existing core banking systems, and map the architecture. We outline the minimum set of core features, flag regulatory compliance requirements early, and give you a realistic timeline and budget before any code is written.
What you get:
Signed NDA — your idea and financial data stay protected
Architecture and tech-stack recommendation — you start on a stack that scales
Rough scope, timeline, and cost — you plan budget and roadmap with real numbers
2

UX & UI design

We design the full banking user experience, from user flows to a production-ready Figma design system.
Duration: 4 weeks
What happens: We research competitor banking apps, map the user flows, and build a clickable prototype before any visual polish. After your feedback, we move to full UI and an emotional design that earns trust on first open. Your art director presents the concept in person at key milestones.
What you get:
Clickable prototype — you see how the app works before development
Figma design-system — engineers build new screens far faster
All core screens designed — a complete handoff package for the build
3

Development & integrations

We build in 2-week sprints, wiring in compliance and payment rails as the product takes shape.
Duration: 4 months
What happens: Our dedicated team builds on React Native for iOS and Android from one codebase. We integrate KYC/AML, Open Banking API integration, payment gateways, and third party services in parallel. You get a working demo at the end of every sprint and live access to the task board.
What you get:
Working app each sprint — you test real features every two weeks
Core banking features live — onboarding, wallets, transaction history, transfers
CI/CD pipeline and code review — clean, maintainable code you fully own
4

QA & security testing

We test the product alongside development, with extra focus on the security measures a banking app demands.
Duration: Runs in parallel
What happens: Our QA engineers run manual and automated tests through every sprint, not just at the end. For a fintech product we add security testing — data encryption, secure authentication, and fraud detection checks — so issues are caught long before release.
What you get:
Tested build on release — bugs caught before your users see them
Security and compliance checks — sensitive financial data stays protected
Test documentation — a clear record your team can build on
5

Release & support

We publish to the App Store and Google Play, then keep the product stable as it grows.
Duration: Launch + ongoing
What happens: We handle store submission and help you pass review the first time. After launch we offer ongoing maintenance and 24/7 support as a separate product: monitoring, payment-gateway incident response, and updates for new iOS and Android versions.
What you get:
Live app in both stores — real users from day one
Full source code and docs — hand off in-house or scale with us anytime
Ongoing support with SLA — your banking app stays stable as you grow

Our reviews

Cover with service screenshots
William Angel
Personalised — wellness app design
Watch a video review

I'm CTO of Personalised Co. — an app for tracking supplement and vitamin intake. Purrweb designed the UI/UX with a Shopify integration for automatic reorders. They built an interface for a healthy lifestyle with personalized tracking.

Personalised — wellness app design
HealthTech, Design, Mobile App, Shopify, Health

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

View full case
Cover with service screenshots
Seth Abel-Sadeq
KEM — Payment app
Watch a video review

I'm CEO of KEM — a P2P mobile payments service for the Kuwaiti market, where online banking isn't accessible to everyone. Our banking partners needed an MVP for demos. Purrweb built the design and MVP, working around restricted access to the banking API. At handoff, they passed the project 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 — a P2P app for instant money transfers in the Kuwaiti market, with bank card linking, requesting funds from a contact list, and transaction history. Key challenge: Kuwaiti banks don't grant external developers API access — Purrweb built the backend on mock data that fully mirrored the final functionality for the demo.

View full case
Cover with service screenshots
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, branding, and the logo, and stuck with us through the whole build to MVP, even as our requirements shifted a lot early on. I valued the flexibility and the quality of the design.

Buzz
Lifestyle, Design+Development, Mobile App, Social App, Geolocation

Buzz — a geosocial app for people in small American towns: a feed of open local events by geolocation, private events with friend invites, group chats, and a Ticketmaster integration. Purrweb built the brand identity from scratch, optimized the architecture, reused existing modules, and shipped the MVP in 12 months.

View full case
William Angel
Personalised — wellness app design
Watch a video review

I'm CTO of Personalised Co. — an app for tracking supplement and vitamin intake. Purrweb designed the UI/UX with a Shopify integration for automatic reorders. They built an interface for a healthy lifestyle with personalized tracking.

Personalised — wellness app design
HealthTech, Design, Mobile App, Shopify, Health

Personalised Co. — an app for people who regularly take supplements and vitamins: intake tracking and automatic reorders through a Shopify integration. Purrweb designed the 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 CEO of KEM — a P2P mobile payments service for the Kuwaiti market, where online banking isn't accessible to everyone. Our banking partners needed an MVP for demos. Purrweb built the design and MVP, working around restricted access to the banking API. At handoff, they passed the project 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 — a P2P app for instant money transfers in the Kuwaiti market, with bank card linking, requesting funds from a contact list, and transaction history. Key challenge: Kuwaiti banks don't grant external developers API access — Purrweb built the backend on mock data that fully mirrored the final functionality for the demo.

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, branding, and the logo, and stuck with us through the whole build to MVP, even as our requirements shifted a lot early on. I valued the flexibility and the quality of the design.

Buzz
Lifestyle, Design+Development, Mobile App, Social App, Geolocation

Buzz — a geosocial app for people in small American towns: a feed of open local events by geolocation, private events with friend invites, group chats, and a Ticketmaster integration. Purrweb built the brand identity from scratch, optimized the architecture, reused existing modules, and shipped the MVP in 12 months.

View full case
Do you want to order a development?
We will discuss your project in 30 minutes: we will assess the complexity, suggest solutions, and name approximate deadlines and budgets. We sign the NDA before the call. No strings attached.
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Do you want to order a development?
We will discuss your project in 30 minutes: we will assess the complexity, suggest solutions, and name approximate deadlines and budgets. We sign the NDA before the call. No strings attached.
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Our other services

Custom fintech software developmentFintech app developmentDesign for financial servicesDeFiWeb3MVP developmentMobile developmentMobile app consultingProduct discovery servicesBusiness analysis

FAQ

Do I need a banking license before you start building?

No. You can start with us while a Banking-as-a-Service (BaaS) partner handles the regulated layer. Many neobanks launch on a BaaS API first, then move to a full license later. We map the right path during the 3-day mini-design.

How fast can we launch a working neobank app?

A single-platform MVP ships in 4 months. A full iOS + Android banking app with a compliance layer takes 6 months. The 3-day mini-design gives you an exact timeline before you commit.

We build in 2-week sprints, so you see a working build long before launch.

How much does neobank app development cost?

It depends on scope: a starter MVP from $30,000, a full neobank app $80,000–$150,000, a multi-feature platform from $150,000. Post-launch support starts at $2,500/month. Exact pricing follows the mini-design.

Cost drivers are integrations, regulatory compliance scope, and platform targets. For a full breakdown see our fintech app development cost guide and project estimation guide.

Can we split the payment across stages?

Yes. You choose fixed-price with milestone payments tied to deliverables or time & material billed per sprint. We adapt the format to your stage and cash flow management, rather than forcing one model.

Either way, payments map to real milestones, not arbitrary percentages. Early-stage neobanks usually start with a fixed price for the MVP, then switch to time & material as the roadmap opens up.

Can you integrate with our existing core banking systems?

Yes. We integrate BaaS APIs (Stripe Treasury, Unit), core banking platforms (Temenos, Mambu, Finastra), payment rails, and identity providers (Onfido, Sumsub) into your stack — no data migration required.

We work with your existing infrastructure and financial data rather than replacing it. See how we handle cloud computing in banking and blockchain in fintech.

Should we build native or cross-platform?

For most neobank apps, React Native is the right call: one codebase for iOS and Android, 30–40% faster delivery, and a single fix when a compliance rule changes. We go native only for hard platform-specific requirements.

Cutting-edge technology matters less than what holds up in production fintech. More on our framework choice in the Flutter vs cross-platform guide and AI app development cost.

Who owns the code and the design?

You do, from day one. Full source code, the Figma design-system, and all documentation are yours. You can take the project in-house anytime or keep scaling with us as your dedicated team. No vendor lock-in.

This is what makes a clean transition possible — your team, or ours, can keep building without untangling someone else's black box.

How do you handle security and regulatory compliance for a banking app?

Compliance is mapped in discovery, before code. We build KYC/AML flows, data encryption, secure authentication, and fraud detection, with regular security audits. Frameworks like PCI DSS and GDPR define what's required; we handle how it's built.

We design security measures and protocols around your specific markets. Planning your full feature set? Start with our guide to creating a fintech app and our fintech design approach.