Best Online Banking Software in China
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Compare the Top Online Banking Software in China as of February 2026
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What is Online Banking Software in China?
Online banking software enable banks to offer their services through online platforms in order to facilitate customer interactions and financial operations. Compare and read user reviews of the best Online Banking software in China currently available using the table below. This list is updated regularly.
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1
Plaid
Plaid
Plaid is a global fintech infrastructure platform that enables businesses and consumers to securely connect to financial data and services. Through APIs that connect to more than 12,000 financial institutions across 20+ countries, Plaid operates the world’s largest open banking data network. By removing the complexity of direct bank integrations, Plaid enables developers, financial institutions, and enterprises to build secure, user-friendly, and conversion-optimized financial products. Plaid powers payments, lending, identity verification, fraud prevention, and personal finance applications. Today, more than 100 million people worldwide, including half of U.S. adults, have relied on Plaid through their connections to over 7,000 apps and services.Starting Price: Free -
2
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 -
3
Revolut
Revolut
One place to manage all things business. Get more from your business account with powerful tools that give you total control over your finances. Spend less time on admin and more time focused on what’s important – your business. Join the 500,000+ customers on Revolut Business. Send and receive international payments, with no hidden fees. Multi-currency accounts allow you to hold, exchange, send and receive funds in 28+ currencies - always at the real (interbank) exchange rate. Free international and local payments within your plan allowance, and free transfers between Revolut Business accounts. Stay organized with multiple accounts for your business needs. Spend in over 150 currencies at the real (Interbank) exchange rate. Stay in control – issue physical and virtual cards, track spending in real-time for your entire team. Automate your expenses and capture receipts in the app instantly.Starting Price: $32.00/month -
4
SDK.finance
SDK.finance
SDK.finance is a white-label core payments platform, serving as a backbone for building fintech products on top. Available in cloud PaaS and on-premise with the source code license versions, the platform caters to businesses of all sizes - from startups seeking affordable software to SMBs and enterprises that need scalability and independence.Starting Price: Contact us -
5
Omnibanca
Corporacion Consultec
Omnibanca is a product that accelerates digital transformation. In addition to providing traditional digital channels, web banking and mobile banking, it also provides any digital channel; wacht, IOT, on boarding, credit origination, product sales. It is omnichannel, central client. It has the ability to integrate with all legacy systems, it contains a powerful api manager, multi language, currency and company. Streamline the adaptation of your financial institution to new technologies with Omnibanca. We consolidate in a single product functionalities of core systems and new fintech capabilities. Omnibanca connects all channels with back-end applications, facilitating access to all services and unifying the data of your customers.Starting Price: $69,999 per feature -
6
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 -
7
One
One Finance, Inc.
One is a financial technology company, not a bank. One offers a range of features, including debit rewards, early pay, high-yield savings, and no monthly fees. Customers can earn 3% cash back in-store and online at Walmart, up to $50 a year, with eligible deposits. The platform has helped over 500,000 people take control of their credit by providing free weekly credit score insights and a credit builder program with zero fees or interest. One's mobile app is available for download on the App Store and Google Play Store, allowing users to manage their accounts conveniently. The company has partnered with Coastal Community Bank to provide banking services, ensuring that approved deposit accounts are FDIC insured up to $250,000 per depositor through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met.Starting Price: Free -
8
Backbase
Backbase
Backbase offers a new generation Engagement Banking Platform, allowing you to progressively modernize your main customer journeys and re-architect your business operations around your customers. We offer banks the opportunity to break free from the constraints of legacy IT systems and embrace a new-generation engagement banking platform. How? By enabling banks to gradually replace or decompose disparate legacy systems and construct a modern customer engagement orchestration architecture around them. This allows banks to prioritize essential customer journeys across all touchpoints while eliminating silos and empowering customers and front-office employees. -
9
Helium Loans SaaS
Helium Loans
Get a world class loan origination and servicing platform available to license for your lending business. We handle everything all in one place with lead acquisition, underwriting, origination, servicing and debt collection. Risk management, payment processing, metro2 reporting and so much more are all built in to our modular extensible platform. More than 65% of visitors to our client's sites are on mobile - that's why we designed the software for both borrowing clients and administrators to be mobile first with an incredibly feature filled client experience. Get in touch with us today or visit our website at: https://heliumloans.com/licensing/lending -
10
PayNet Cloud
PayNet Systems
Our Low code solution is quick to deploy and adapts to the requirements of your growing business. We are highly flexible and can be tailored to meet the demands of your business. Interface easily with existing IT infrastructure and external tech partners using any standard protocols like REST, SOAP, ISO 20022, ISO 8583 etc. Centrally customize and monitor and all products, users type and transactions. Aggregate customer data from other systems like CRM, Trade & Finance, and aggregators and BI systems. We are enabling the retail banking industry with the digital-first approach by providing digital-first solutions. Create a unique digital experience for your customer's unique needs your bank. -
11
Cyclos Payment Software
Cyclos Payment Software
Payment software created for banks, barters, remittances and innovative currency systems. Cyclos is used by more than 1500 payment systems worldwide. Use our brand new mobile-first responsive open-source front-end. Personalize our app and publish it on the app stores. Or use SMS or USSD if needed. Additionally, you can offer your customers a complete marketplace and even their own webshop. A large range of features are available, such as ad alerts. Cyclos offers a secure and reliable banking/payment platform, which can easily be customized according to your requirements. Merchants can easily accept nfc payments with their mobile app or generate a QR code, which can be scanned and paid by the customer. Pay with our app to a printed QR code or generate a QR code on our app to receive payments. Pay by holding an NFC card to an android device to do quick and secure payments. -
12
Temenos Infinity
Temenos
Accelerate your digital transformation initiatives with world-class front and middle office transactional capabilities and reimagine customer engagement by creating consistent, seamless and human experiences across channels. Get to market fast with an extensive repository of pre-built features and evolve as quickly as your customers’ needs. Have the freedom to align the open and flexible platform of Temenos Infinity to your digital banking architecture. Use any cloud platform of your choice and elastically scale on demand. Simplify the connectivity to any core banking system and implement changes quickly while managing application development time and costs. Leverage advanced micro-services and APIs to create your digital banking apps easily. -
13
FRONTeO e-Banking
Mainsys Engineering
FRONTeO e-Banking is a multichannel web & mobile banking solution, developed for retail and corporate banks, allowing your private and business customers to manage their financial position and execute transactions anytime and anywhere using their favorite device (PC, Mac, tablets, smartphones). FRONTeO e-Banking comes with a series of integrated ready-to-plug functionalities such as the management of Accounts, Payments, Beneficiaries, Investments, Loans, Insurance, etc. End-users can fully personalize their preferences and thanks to the secured mail module, two-way exchanges of information (end-user to bank/bank to end-user) are now possible. FRONTeO e-Banking also manages one-to-one mailings as well as mass mailings, e.g. when launching new products during commercial campaigns. The solution also comes with customizable features for sending SMS and e-mail alerts. Based on a Service Oriented Architecture (SOA) the solution can easily be integrated in your existing banking environment. -
14
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. -
15
Green Dot
Green Dot
Green Dot is a financial technology and registered bank holding company focused on making modern banking and money movement accessible for all. Our proprietary technology enables faster, more efficient electronic payments and money management, powering intuitive and seamless ways for people to spend, send, control and save their money. Our proprietary technology enables faster, more efficient electronic payments and money management, powering intuitive and seamless ways for people to spend, send, control and save their money. Our Banking as a Service (“BaaS”) platform enables a growing list of America’s most prominent consumer and technology companies to design and deploy their own customized banking and money movement solutions in the US and internationally. Founded in 1999 and headquartered in Pasadena, CA, Green Dot has served more than 33 million customers directly and many more through its banking partners, and now operates primarily as a “branchless bank”. -
16
EnNovate
Enqura
Enhancing the user experience through mobile and web applications that provide seamless access to financial services. EnNovate offer interactive access to financial services via modern mobile and internet applications, with a focus on exceptional user experience. Unlike custom-built solutions, EnNovate is a mature product that accelerates digital transformation while reducing time-to-market by up to 50%, providing a competitive advantage. EnNovate provides a robust business layer, enabling seamless integration and management of various digital channels, enhancing operational efficiency and flexibility. -
17
Banno
Symitar
A few short years ago, financial institutions competed on interest rates. Today, you compete on convenience. Innovators like Amazon and Uber have changed consumer behavior and expectations. Consumers now expect intuitive, attractive, and engaging digital experiences. Financial institutions of all sizes must aggressively prepare to meet these demands, which means planning for and embracing the evolution of mobile banking into the channel-of-choice – especially among the 83 million tech-savvy millennials who judge businesses based on their digital offering. Will leverage a modern web browser to mirror the sophisticated functionality delivered by Banno Mobile for online banking users and to create a seamless digital ecosystem. This HTML5, responsive web app will provide identical functionality across both digital channels. Banno Online is currently available. -
18
MFS Platform
Tmob
Our solution for telcos and e-money licensed companies to offer payment and financial services to their end-users. MFS platform creates new revenue streams, increases customer loyalty and helps reach the underbanked and unbanked. Designed to serve telcos that need to comply with PSD2 licensing or e-money license holders to provide financial services to their customers. Mobile financial services is a breakthrough technology in the concept of money. By adopting mobile financial services technologies, telco businesses ensure sustainable and consistent user loyalty while delivering services such as direct carrier billing, utility payments, merchant payment capabilities and more. Gain more offline partners as it’s mainly focused on online transactions. Drive financial inclusion for the unbanked and underbanked around the globe. -
19
CapitalDigital
Capital Banking Solutions
Streamline Your Universal Banking Experience. CapitalBanker™ brings universal core banking into the digital era. Our core banking platform powers innovation across all banking areas for retail, private, corporate, wholesale, and Islamic banks. Grow Your Private Banking Business. From back office operations, to portfolio management, to compliance, CapitalPrivate™ powers 1,200 private wealth bankers and managers with the ability to deliver high-value experiences to your most sophisticated private wealth customers – keeping your private banking business ahead of the competition. Digitize Your Customers’ Banking Experience. CapitalDigital™ helps you maintain an always-on connection with your customers. Our solution allows you to maintain customer relationships whenever and wherever they need you. In the digital era, CapitalDigital can help you reduce costs, improve business agility, and fuel innovation. Simplify Compliance Management. We keep you ahead of the regulatory curve. -
20
CFG
Ladonware
CFG is a suite of products that allows clients of financial institutions to manage their accounts and access new services remotely, from a computer or mobile device. It also has a proven and effective solution for Financial Chatbot based on Artificial Intelligence since its deployment handles more than 500 common banking queries and tasks. We also provide Financial Entities with a way to use new delivery channels for their products and services. Reduction of operating costs, with high availability and safely and reliably. Mobile first design, customizable to your corporate image and compliant with all international security standards. With the administrative user, companies have the control to establish their platform access policies. Additional users can be operational, authorizers and read only, maintaining full control of transactions. Each user has separate access that can be assigned transactional caps per account. -
21
Qonto
Qonto
The all-in-one business account. Automate your corporate finance management. Save time on expense reports. Truly optimize your accounting process. Manage your corporate finances by yourself or in collaboration. The best business account to send and receive payments on a daily basis. Stay focused on your core business by managing your finances and accounting from one place. Optimize your team's expenses by always staying in control. Open a business account for the online deposit of your share capital. No hidden fees, charges for special operations or transfer commission. Commitment-free and scalable, according to your business needs. A dedicated team is available 7/7 to answer your questions. Online business account: All you need to send and receive international payments. Making accounting seamless, day after day. Stay focus on your core business by connecting your finances and accounting tools.Starting Price: €9 per month
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