Clients want simple actions like checking a balance, sending money or getting a statement. Behind them, we make accounts, checks and providers work together. We build the product on the Apricode platform with your interface, rules and integrations.
// when it fits
A neobank client uses the account every day to receive money, save recipients and make new transfers. We build that everyday part along with the workspace for the team that checks data, reviews transactions and helps clients.
when it doesn’t
We clarify who the service is for, which transactions and currencies it needs and which providers the money will flow through. That defines the platform setup, integrations and client interfaces. The operator arranges the financial services themselves and the contracts with providers.
Fintech platform features01accounts · clients · transactions
We choose the scenarios for the first launch, configure the platform and connect providers. We design sign-up, the dashboard and the client's everyday actions.
Best for: a defined service model that needs a team to build it.
02new features
We review your existing accounts, data and integrations, and work out how to add the transactions you need or change the client experience while the ledger still adds up.
Best for: a live product ready for its next stage.
03browser · mobile · API
We build the interface for the agreed system, covering sign-in, checks, accounts, transfers and history. The web version and mobile platforms are defined in the project scope.
Best for: an operational core that needs a new or updated client product.
Client actions and internal operations share one ledger.
01Accounts and balances: permanent multi-currency accounts, transaction history, reservations and statements.
03Account details and cards via providers: account linking, card limits, authorizations, debits and cancellations.
01start
We work out who will use the product and what they will do in it, and agree on accounts, transactions, currencies and access channels for the first launch.
02
We link client actions to the ledger, checks and provider responses, and pin down what comes from the platform, which features are custom, and which interfaces and integrations are needed.
03
We build the agreed interface, configure modules and connect services. Your team gets access and a test environment.
04launch
We run through client journeys, declines, refunds and reconciliation, confirm the providers are ready, and agree on data migration and the order in which users get access.
05next
We agree on the support format and the order of new features. Every change takes into account existing accounts, integrations and how clients use the product.
Vela GroupBusiness payments and private exchange kept apart under one shared brand
Helvetia DigitalRates, a calculator, security explanations and the path to an account in one route
MW ExchangeA new web front end works with the existing exchange service via API// portfolioAll case studies47 projects — websites, stores, SaaS→We define the operating model, choose platform modules and build interfaces and integrations. The package can include accounts, transfers, checks, the admin side and a card provider connection. The final scope and the deliverables of each stage are fixed before development starts.
Yes. The platform can be adapted to your brand, domain, pricing and client scenarios. Here white label means a software solution with agreed settings and custom work. The operator's financial model, provider contracts and required authorizations are prepared separately.
In a neobank, each account has its own balance and history, independent of any single exchange order. The client can receive money, save recipients and make new transactions. We agree on assets, account details via providers, and the rules for crediting, transfers and statements.
Account details are connected through the relevant provider, and cards through the issuer and its technical integration. For cards we set up card creation and management, limits, holds on authorization, debits, cancellations and refunds. What's available depends on the chosen provider and the project package.
We can include a mobile app in the custom work. We agree on platforms, client journeys, screens, API and how the app is released. A web dashboard and a mobile app each have their own scope, so having one doesn't automatically mean you get both.
The company model includes representatives, owners and the KYB checks you need. Access can be tied to a specific account and role. For important actions, one person prepares and another approves, and the history of decisions is kept.
The estimate depends on transactions, providers, interfaces, the card setup, data migration and deployment. After reviewing the product we draw up a list of work and stages. Platform usage terms, support and external services are shown separately from custom development.
Describe your clients, core transactions, currencies and the access channels you need. Add any providers you already know and the parts of the product that already exist. That's enough to set the next questions and the scope of a first estimate. You don't need a finished specification for the first call.
Leave your name and a phone number or Telegram handle. On the call we'll work out which everyday tasks your neobank will handle and what it takes to launch them, from accounts to the interface.
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Kharkiv · Kyiv
// in detail
Neobank development brings together the client product and the system that tracks the movement of money. The client sees an account, a balance, recipients and history. Underneath, every action has to be tied to checks, the financial ledger and provider responses. That keeps the path from what the client wants to the outcome of the transaction clear.
Apricode builds neobank software on its own modular platform. We adapt the setup to your model, whether that means private or business clients, currencies, top-up methods, transfers or extra features. Interfaces and custom features are built around these scenarios. What goes into the first launch is decided before we estimate timelines and budget.
A neobank account exists independently of any one-off transaction. It holds balances, history and the link to a client or company. Each asset has its own balance, and reservations separate the available amount from funds waiting to be debited. Fees, refunds and corrections get their own entries in the financial ledger.
The neobank core ties each client transaction to its financial consequences. The team can match an event, a balance change and an external confirmation. A statement shows the agreed set of data on the movement of funds. Currency, document and display settings depend on your product model and integration requirements.
A payment account platform has to recognize incoming funds, link them to the right client and show the crediting status. A transfer depends on the recipient, a check of their details, the available balance, the fee and the confirmation. Internal and external transfers can go through different stages.
We also design for cases where the amount doesn't match, the provider declines or confirmation is delayed. Reservations, refunds and reconciliation show the actual state of a transaction. Virtual IBANs and other account details are integrated through the agreed provider, and we define how they link to the account, how notifications are processed and which transactions are available.
To add cards, we agree on the issuer and the integration method. The software side covers the card lifecycle, limits, authorizations, holds, final debits, cancellations and refunds. Disputes and discrepancies have their own statuses and review process.
The payment card management system links these events to the client's account. The internal model uses card tokens, and the display and management scenarios are matched to the provider's capabilities. Virtual and other card types are part of the project only if they are written into the scope.
For a business client you have to account for the organization, its representatives and owners, and the people who work with the accounts every day. KYC/KYB integration brings in check results and links them to client data. Decisions, review intervals and restrictions are part of the agreed workflow.
Permissions are split by role and account. One employee can prepare a transaction and another can approve it. The log keeps the history of actions. Responsible staff get case review, risk assessment and transaction monitoring through connected services. These features support the operator's processes, and the rules for applying them are defined for each product.
Banking app development starts with everyday actions such as signing in, passing verification, receiving money, finding a payment or repeating a transfer. Every status needs a clear explanation. The client should see whether action is needed on their side or whether the transaction is waiting for external confirmation.
The web dashboard, mobile banking and the admin side share data, but each needs its own interface. Platforms, screens and the way they work with the API are chosen before the estimate. A separate UI/UX design stage helps test the structure of the scenarios before they are built. If your product already has an API, custom development of the client interface is an option.
A white label neobank is a platform configuration built for your brand and way of working. We agree on the design, domain, pricing, roles, integrations and features. If needed, we add currency or asset exchange, partner acquisition and rewards. For a referral program we define what counts as a result, how a reward accrues and when it can be paid out or cancelled.
If the service only needs to run exchanges order by order, look at our crypto exchanger software. For a neobank, the foundation remains permanent accounts and everyday client transactions. The shared ledger, integrations and other profiles are described on the fintech development page.
The cost of neobank development depends on accounts and transactions, the number of providers, the card setup, client channels and data migration. A system for private clients and a business service with several approval levels need a different setup. That's why the estimate is tied to defined scenarios and deliverables.
Separately we fix the platform usage terms, deployment, documentation handover, updates and support. The financial services model, authorizations and provider contracts are part of the operator's preparation. At the start we split these areas of responsibility and dependencies so the software plan matches the real state of your launch preparation.
