Best Banking Software for Startups
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Compare the Top Banking Software for Startups as of February 2026
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What is Banking Software for Startups?
Banking software is designed to manage, automate, and secure financial operations across retail, commercial, and investment banking institutions. It enables banks to handle core activities such as deposits, loans, payments, account management, and compliance with regulatory requirements. Modern banking systems integrate digital channels—including online, mobile, and ATM networks—to provide seamless customer experiences. Many platforms also incorporate AI, analytics, and blockchain technologies to enhance fraud detection, risk management, and personalization. By digitizing operations and improving efficiency, banking software helps institutions deliver secure, scalable, and customer-centric financial services. Compare and read user reviews of the best Banking software for Startups currently available using the table below. This list is updated regularly.
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1
Banker's Dashboard
Deluxe
Get anytime, anywhere access to your bank or credit union’s financial performance. Get insights into your bank or credit union’s financial performance from anywhere with secure, cloud-based access. Get margin components, branch performance, forecasts and more with point-and-click simplicity. Banker’s Dashboard and Credit Union dashboard integrate seamlessly with your core processor. Quick and easy setup, so you can start improving your bottom line right away. Automate reporting and eliminate errors, freeing you to focus on more value-added tasks. Quickly run and revise multiple forecast scenarios, so you can analyze variances and alternative strategies. Measure and compare branch performance. Institute best practices and hold each branch accountable for better results. -
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Predict360
360factors
Predict360 is an integrated risk and compliance management software platform for financial and insurance organizations. It integrates risk and compliance processes and industry best practices content into a single platform that streamlines regulatory compliance, improves efficiency, predicts risk, and provides best-in-class business intelligence reporting. Predict360 includes the following Risk Management applications: Enterprise Risk Management (ERM), Risk Management and Assessments, Risk Insights, Issues Management, Peer Insights, Third-Party Risk Management, and Quarterly Certifications and Attestations. Compliance applications are: Compliance Management, Compliance Monitoring & Testing, Complaints Management, Regulatory Change Management, Regulatory Examination and Findings Management, Policy & Procedure Management, and more. 360factors also offers Lumify360 - a KPI and KRI predictive analytics platform that enriches data, predicts performance, and works alongside any GRC.">
Starting Price: $1,500/month -
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SBS offers an advanced, modular, real-time, fully cloud-native core banking system covering deposits, payments, lending, and compliance. Empowered by AI and Cloud evolution, it offers a robust, scalable architecture with seamless integration capabilities. As a SaaS solution, it ensures cost-effectiveness, superior security, and continuous innovation access without complex migrations.
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4
Bankingly
Bankingly
Bankingly is a SaaS cloud-based platform for financial institutions, enabling seamless digital banking solutions. Its integrated suite includes web and mobile banking, conversational banking, digital onboarding, loan origination, and fraud prevention. With a flexible pricing model based on active users, Bankingly enables institutions to boost revenues, streamline costs, and deliver exceptional experiences within weeks. Trusted by 120+ institutions all over the world. Bankingly targets financial institutions, banks, credit unions, and Coops throughout Latin America, Africa, and Asia that want to offer digital banking solutions to their customers.Starting Price: 1000 -
5
Help With My Loan
Help With My Loan
AI software yields automated underwriting and loan matching at a 95% proven funding rate. The problem in the industry is a low 55% average at funding loans due to the fragmented lending process. HWML solved this problem by giving brokers, banks and consumers access to the platform syndicated with 300+ lenders in Commercial Real Estate, Residential Real Estate, Business, and Personal loans. HWML’s platform has funded over $600M+, loans sized from $100k-$50M! Consistently in America, banks are readjusting their inward loan portfolios. When they have excessively numerous private loans, they change to business loans, when they have an excessive number of business loans, they change to commercial loans, a never ending cycle. Customers never know which bank is the right one for the loan on any given day and that’s when HWML steps in.Starting Price: $99.99 -
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Sila
Sila
Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon. -
7
Doocat Banking
Energize Global Services
Doocat banking software is an advanced, comprehensive banking solution designed specifically for Microfinance institutions. The platform integrates four key modules—Core banking, Mobile banking, Agency banking, & E-commerce—each built on a robust microservices architecture. Doocat’s super-flexible structure allows for extensive configuration of features and settings, ensuring that the software can be tailored to meet the specific needs of each institution. Whether deployed on-premises or as a SaaS solution, Doocat adapts to the unique operational requirements and regulatory environments of different regions, making it an ideal choice for Microfinance institutions seeking a comprehensive, adaptable, and future-ready banking solution. The Core banking module ensures flexible, compliant operations. Mobile banking provides seamless account management on the go. Agency banking extends financial access via agents, and the E-commerce provides integrated online shops for small business.Starting Price: $3000/month/5000 users -
8
NexorONE
Banking Systems
NexorONE® is the leading Online Banking Software Solution™ with its robust modular scalability and a wide array of features it serves a broad variety of financial entities such as Online and Private Banks, Credit Unions, eWallets, Trusts & Asset Management Companies, and Payment Platforms. NexorONE® has been deployed to more than 500 financial entities worldwide, spread throughout 40 countries and in 16 languages. Features include a fully Responsive Interface, making it mobile friendly and sparing high maintenance custom-built apps. With cutting-edge security qualities, it ensures a solid interface for the client and an even more reliable manager for the administrator. It's also completely cross-browser compatible, making it flexible for any user. The entirely customizable interface allows for unique design and personalization. Finally, the core functionalities include its ability to handle Multiple Currencies, the Multi-Language interface to expand to international markets.Starting Price: $15500.00/one-time -
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FinCell
FinCell
The easiest way to set up your mobile banking solution. Choose FinCell, a white-label solution for financial institutions that want a cost-effective and easily customizable mobile banking app. FinCell is based on open banking principles, ensuring effective integration with your core system through open APIs. FinCell’s information security and quality management are backed by ISO 27001 and ISO 9001, proving that all needed safety and compliance measures are integrated into a product. FinCell is developed by experts certified in CISSP, CDPSE, and CISA, ensuring best industry practices. Get your mobile banking app up and running in 2 months, FinCell offers pre-defined features, helping you to reach the market faster. Pay for what you actually use. FinCell works on a subscription-based pricing model, where fees are related to your customer base. Easily scalable FinCell helps you increase revenue, grow your customer base, and reduce churn rate.Starting Price: Free -
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Elcoin Automated Banking System
Elcoin Ltd
Elcoin Automated Banking System (ABS) is a fully-fledged transactional banking system that supports a wide range of financial intermediation models and financial services. Elcoin ABS can be used to run automated banking infrastructures for e-money services companies, payment service providers, and commercial banks. Elcoin ABS has an open API architecture that can be used to request internal services as well as global banking payment capabilities. Elcoin ABS has a modular functionality which can be assembled based on the business model and services required. These modules include Core, Contacts, Products, Accounts, Payments, Foreign Exchange, Cards, Crypto, Treasury, Notifications, Channels and Processes. -
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Fivvy
Fivvy
A SaaS platform that boosts banks' competitiveness and market position through personalized digital experiences and revenue-generating insights. Create a personalized digital experience for your customers. Sales opportunities in real-time, hyper-personalized, and contextualized. The pricing structure is highly competitive compared to other solutions on the market. Platform designed for fast implementation that allows agile integration with existing systems. Comprehensive 360° solution that improves the customer experience and drives business growth. By analyzing customer data, Fivvy provides bank users with insights into spending habits, savings patterns, and investment behavior. This allows banking institutions to use new tools to offer a more personalized approach and effective solutions that focus on customers. At the same time, it enhances the value of their user data. Stop losing competitiveness in an ecosystem of permanent change, monetize your data and increase loyalty.Starting Price: Free -
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FIS Digital One
FIS
A single software platform to transform your digital banking experience. Financial institutions differ in size and style, each with distinct digital banking needs and expectations. FIS Digital One delivers consistency across digital and mobile self-service and banker-assisted channels, whether you’re supporting retail customers, business clients, or employees. Each customer brings their own expectations, so delivering retail banking experiences that are personalized, convenient, and accessible is essential to meet them. With its modular framework, Digital One enables you to create tailored experiences for your entire customer base, providing them with the self-service digital banking offerings they want and expect. FIS is on a mission to enhance our offerings so you can provide your end-users with digital banking experiences that stand head and shoulders above the rest. This includes making them easier to use, investing more in user experience and design, and adding new features.Starting Price: Free -
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Fintech Market
Fintech Market
All of our products are already connected with each other and can be used as a whole solution for providing financial services. Or you can use only some applications - most of the products are available also separately and can be integrated with other systems via API (JSON). The tool consists of CRM and configuration layer. The configuration part is meant for creating and managing customer servicing and lending processes, products, and workflows. The CRM part allows to serve customers, open accounts and create applications, send communication and make payments. The Banking solution works together with other applications (see below). -
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Trusek
Trusek
Trusek’s platform enables FinTechs, FIs & Banks to launch new products 10 X faster than traditional development. We deliver in less than 6 weeks—why take 60 building? We empower FinTechs & FIs to innovate faster, scale seamlessly, & reduce costs with our secure, flexible, & scalable Multi-Currency Core Fintech & Banking Platform. We eliminate the barriers of DIY systems, high development costs, & slow time-to-market by enabling you to quickly create, test, & launch new Fx Payment, Loans & Savings products without disrupting your existing infrastructure. Whether you’re expanding geographically or introducing new services, Trusek provides the tools to grow efficiently & focus on what matters most—exceptional customer experiences. This solution offers total flexibility & supports White Label Web & Mobile App facilities & robust API integrations. Its scalable architecture ensures it can seamlessly accommodate business growth & expansion into new markets. -
15
timveroOS
timveroOS
An end-to-end loan management software for digital lenders with a stunning level of SDK-powered flexibility and robust analytics on top of that. It offers a cutting-edge lending solution for banks that integrates all processes into a single workflow to easily build, limitlessly customize, and continuously scale lending business. Our software for loan management is equipped with an advanced AI-powered analytics framework to enable banks to create better risk models, underwriting strategies, products, and marketing campaigns, in a fast and fully controlled way. The data layer includes 90+ ready-to-use data providers and allows new connections in a matter of minutes. These analytics tools and in-built financial engineering/cashflow engine allow lenders to make 12x faster executive business decisions and increase profits per loan by 13% on an annual basis. Enhance banking efficiency by running profound analytics on top of automated operations.Starting Price: 2500 -
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Wealth Reader
Wealth Reader
One API, all banks. Wealth Reader is a world-leading data provider to help you cut costs, onboard and convert more customers. Our differentiator is global coverage and data quality. We are the data provider for banks, fund managers and fintech startups.Starting Price: $2000/month -
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Vault
Vault
Launch your own fiat and crypto banking operations in just a few days and at a fraction of the cost of doing it on your own. Vault delivers a crypto-friendly secure banking platform for any business looking to provide their customers, agents, or employees with a complete payment ecosystem, under their own brand, with minimal hassle and the industry's best go-to-market pace. Individually segregated IBAN accounts to all users, no matter their country of residence (some restrictions apply). Vault clients that have their own crypto token can easily add them to the Vault ecosystem. Global payment solutions give access to a world of cryptocurrencies. Exit cryptocurrencies into traditional fiat currencies as easily as sending a bank transfer. Vault and its associated companies empower more than 1m+ users to access crypto, banking, and card solutions. Through Vault, our white-label clients can provide fiat, crypto, and payment card solutions to their users. -
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MeridianLink One
MeridianLink
MeridianLink One is a cloud-based banking platform that connects consumer lending, mortgage origination, account opening, collections, and analytics within a unified system. Designed for banks and credit unions, it centralizes data and workflows to support digital lending and deposit operations. The platform enables institutions to manage applications, automate decisioning, streamline loan and account processes, and improve visibility across the customer lifecycle. Its modular structure allows organizations to adopt individual components or implement the full ecosystem as their needs evolve. By integrating lending, onboarding, and data intelligence tools, MeridianLink One helps financial institutions operate more efficiently and deliver consistent digital experiences across channels. Visit our website to learn more. -
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Continia Banking
Continia
Continia Banking streamlines and secures payment and reconciliation processes directly within Microsoft Dynamics 365 Business Central by automating your entire payment workflow. It provides direct, secure communication with banks, sending payment and direct-debit files, importing statements, and receiving real-time status updates and exchange-rate adjustments, while built-in validation checks and enhanced CSV import templates prevent errors at every step. Reliable reconciliations leverage advanced search rules in the payment reconciliation journal or bank account reconciliation to achieve up to 95 % match rates. Flexible payment exports offer both quick flows for summarizing multiple lines and advanced flows for per-line control, with transaction ID-based reconciliation, payment suggestion templates, and IBAN-driven bank details autofill. Secure approval flows support single-line or batch approvals, amount-threshold rules, field restrictions, and mandatory bank account verification. -
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Q2
Q2 Software
Flexible, tailored, valuable commercial banking. Power the success of your commercial clients with tailored financial experiences for businesses of every size. Your commercial account holders have unique and often complex needs. Provide digital banking experiences that fit their size, vertical, and expectations. Understand their challenges, meet their requirements, and become an indispensable resource to your most important clients. With the right partner, you can do this. Legacy tech treats all businesses the same and provides clunky, counter-productive interfaces. It’s time for something better. Cash management for your largest commercial clients can be very complex. Legacy tech creates additional complications, with rigid workflows and cumbersome features that don’t consider user experience. Our commercial banking platform changes all that, providing a robust and sophisticated, yet simple, solution for every user and task, no matter how unique or complex.Starting Price: $1 per month -
21
BankSmart
CodeBase Technologies
Our award-winning core banking solutions have the functionality you would expect for the most sophisticated and demanding banking regulations and requirements. They are built with the latest innovations to optimize operational efficiency, reduce costs, ensure compliance and a rapid time to market. They provide cutting-edge real-time analytics to creäte the insights for the development of timely and relevant products and services and can be merged with our market-leading digital channel solutions. The connected front-end, middleware and back office will transform your institution into a customer-centric, commercial sales machine. Discover how you can engineer your critical processes around your most valuable stakeholder: your customer. Opt for an open, cutting edge, agile platform that will help you deliver the ultimate customer and employee experience, drive sustainable growth, deliver the innovations for teamwork and partnership. -
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Bantotal Banking System
Bantotal
Every customer-centric Financial Institution requires a customer-centric banking platform. This does not mean that technology goes first. Focusing on the customer means setting their expectations as the starting point and then identifying the necessary elements to satisfy them in a cost-effective way. Bantotal is one of the most internationally recognized core banking systems which has been implemented in the main financial institutions in Latin America. This experience has allowed Bantotal Core to incorporate the best banking practices and processes. Bantotal is the benchmark in technological solutions for Microfinance, which has been implemented in the leading microfinance institutions in Latin America. This has allowed the best sector processes and practices to be incorporated into Bantotal, Microfinance. Bantotal Comex allows the financial institution to develop the business of Letters of Credit, Guarantees, Collections, Giros and International Cheques. -
23
WWS ATM
Auriga
WWS ATM is a proven, fully integrated ATM management solution that delivers significant reductions in operational and technology costs while improving system availability and the time to market for new services. It is easily deployed on any combination of WOSA/XFS compliant ATMs, cash deposit terminals, cash recyclers, and kiosk devices. WWS ATM is a highly scalable 3-tier client-server solution built with the most advanced web technologies. The ATM services are centrally managed and easily deployed on any combination of vendor ATMs and models. The Smart Client application installed on each ATM device contains all of the local workflows required to guarantee flawless operations in an unattended mode. The operational robustness of the Smart Client architecture, coupled with the ability to centrally manage the ATM services across all ATMs, gives WWS ATM distinct advantages over both the “thin-client” and “fat-client” alternatives. -
24
SpeciVim
Specitec
SpeciVIM is a complete KYC solution designed for private banks. It aims to cover all business needs and provide you all functionalities to have a 360° view of your client by centralizing all client data and interactions in one software. Create, manage, track and follow your client at each step of his lifecycle from the on-boarding (traditional or digital) to the automatic exchange of information. specific is composed of 10 modules, offering you modularity and flexibility in order to help you build a tailor-made solution. This software can be used by each department of your bank (central file, compliance, client service, relationship management, etc.). This digital onboarding application has been designed to automate the onboarding process and help the wealth managers focus more into value-adding activities. It offers a large rang of flexible functions, including a Decision Tree to deliver a tailored experience to your client, based on its profile and its needs. -
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Toqio
Toqio
The smartest fintech platform for the smartest ideas. If you have an idea, we have the platform. Our white label digital finance SaaS lets you quickly launch and monetize new solutions for your customers. From Cards and Financing products to Bank accounts, choose the Toqio products you need to launch your unique proposition. Choose from our pre-integrated fintech and financial service partners or connect your own solutions to the Toqio platform. Our white label SaaS platform allows you bring your brand to life with your own look and feel and user experience for your solution. Applications are hosted & managed by Toqio, while clients take advantage of our innovative pipeline of new products. Build your new financial application easily, quickly, and and cost effectively. Our ready-to-go fintech SaaS platform and marketplace makes innovating simple. Access the end-to-end products you need to take on the fintech market leaders. -
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eKassir
eKassir
Omnichannel Banking Platform is an IT platform for building multichannel customer service in a modern digital bank. Digital Banking Platform implementation package includes front-end applications along with the server components, which interacts with the bank’s back-office systems. Omnichannel Banking Platform is composed of modules, which can be separated by channels, products and functionality. So, there is no need to implement all available functionality at once. A single solution for any customer service channel in the bank. All front-end applications share the same set of services. The solution is the market leader for a number of parameters. The solution is built based on a set of components and microservices that are used as needed. High availability of the service and worldwide distribution so you can access the service all around the world. Maximum of functionality is available as out-of-the-box solution. -
27
Novopay
Novopay Solutions
Future-proof your banking journey with Novopay's state-of-the-art Banking Platform that is cloud native, mobile first, API enabled and AI driven. Whether it is digital lending, prepaid card and wallet or payment solutions, Novopay's products can be licensed, subscribed, customized & run on the cloud with 24x7 managed services. Novopay prepaid card and wallet solution allows Banks, NBFCs, Retailers, Telcos and Corporates to solve complex payment use cases and provide seamless payment experience in the hands of their employees, customers and channel partners. Engage your consumers by creating frictionless and easy payment experience. All this while providing total control of the payment instruments in the hands of the consumer. Novopay brings a highly advanced offering for micro finance and community banking companies, providing loan officer apps for online and offline operations in the field. -
28
Kuber
RankTech Solutions
Banks today face an onslaught of challenges, spurred by the latest technological advances and rising customer expectations, it triggers the need for IT modernization and digital innovation. Welcome to RankTech Solutions’ inventive and imaginative Kuber, face to face video banking digital platform equipped with unified communications technologies, one of the pioneers of video banking solution providers in India. This surpassing technology is steadily becoming the future face of business transaction processes by leveraging wired and wireless communication capabilities to enhance reach and capacity. Rank’s Kuber transforms the customer engagement and onboarding processes taking it to a smarter and sharper level. With the help of Unified Communications Technologies by enabling customers to swiftly connect with right bank executive at the right time in the first call itself, all through face-to-face video banking connections. -
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Bitt
Bitt
Creating payment systems that promote social inclusion, financial empowerment and economic growth for this and future generations. A digital transformation of the flow of money is a natural evolution from the current inefficient and risky dependence on physical cash, to a more efficient and secure digital payment system. By harnessing the potential of DLT and blockchain technology, it is possible for central banks to make this transformation. Bitt’s Central Bank Management Panel software is designed to provide real-time detailed information and reports on transaction activity including number of transactions, speed of transactions, and velocity of circulation of money. This gives the Central Bank the ability to accurately monitor the effect of monetary policy actions and make adjustments accordingly. Further to this, “an interest-bearing CBDC could provide a secure store of value, with a rate of return in line with other risk-free assets, such as short-term government securities. -
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Kalignite
KAL ATM Software
The Kalignite software suite integrates with and controls ATM networks that vary widely in complexity, size and location, from banks with just a small number of ATMs to huge banks with thousands of ATMs operating globally. K3A is a multi-protocol, multivendor, multi-lingual, multi-country ATM application. It contains all of the ATM functionality required by the most advanced banks, including a full set of ATM transactions such as cash dispensing, cash recycling, check deposits with imaging, transaction preferences, targeted marketing, advertising, and more. The Kalignite NDC application is a “drop-in” solution that upgrades any NDC network to the newest generation of multivendor NDC technology. Kalignite NDC is uniquely multivendor compliant and provides a "full emulation" of the NDC specification. It provides added features, transactions and services for customers while retaining the existing NDC infrastructure.