Mobile Banking Application Development Services

Our team builds mobile banking solutions that integrate card management, real-time transfers, and hardware-level security. From SSL pinning to biometric auth, we provide the technical backbone for market leaders.

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Kick off your project in just 7 days!

High-Performance Mobile Banking Features

Deliver a frictionless banking experience that keeps users engaged while maintaining institutional-grade security.

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AI-Driven Onboarding

We integrate industry-leading OCR and to automate data entry and verify user identities instantly. We extend your existing app with an AI layer that extracts, validates and cross-checks.

What you get:

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Real-time OCR data extraction for IBANs, credit cards, barcodes, and QR codes

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Selfie-to-document biometric matching

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Quick and straightforward account opening

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High-speed scanning for passports, national IDs, and driver’s licenses

Comprehensive Card Management

Give your users total control over their physical and virtual wallets. We build instant card orchestration systems that empower users to manage their financial security in real time.

What you get:

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Instant issuance of virtual cards

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One-tap freeze/unfreeze functionality for misplaced cards

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Dynamic spending limit controls and transaction type restrictions

Global Transfers and Payment Orchestrations

Our developers can integrate robust payment rails to facilitate everything from split-second local transfers to complex international remittances, alongside automated bill management.

What you get:

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Real-time local and cross-border transfers

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Automated standing orders and recurring payments

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Integrated savings accounts with automated funding rules

Term Deposits and Wealth Tools

Let’s turn your app into a financial growth engine. We integrate interactive tools and calculators that encourage users to grow their wealth directly within your ecosystem.

What you get:

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Interactive term deposit calculators with real-time yield projections

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Automated maturity management and rollover orchestration

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Customizable savings dashboards and portfolio overviews

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Deposit funding directly from primary balances

Biometric Authentication and Zero-Trust Security

Our team can implement advanced, hardware-level protections that keep personally identifiable information (PII) encrypted while allowing for passwordless access.

What you get:

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Native FaceID and TouchID integration for secure login

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SSL pinning to prevent Man-in-the-Middle (MITM) attacks

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Dynamic OTPs and multi-factor authentication (MFA) workflows

Custom Mobile Apps Built for Modern Banking

Learn how we help banks modernize systems, improve security, and deliver seamless digital services.

Industry awards: Best Mobile Banking App, Most Innovative Digital Bank
Cross-platform Mobile Banking Ecosystem

Our client wanted to become the first bank in their country to offer digital services. To help them secure a first-to-market advantage in a sector with over 20 rival institutions, our experts deployed a unified React Native architecture and replaced slow legacy cycles with a high-velocity delivery model. The solution features a sophisticated fintech suite, including AI-driven identity verification via Microblink, geofencing marketing through Braze, and comprehensive card orchestration.

Two smartphone screens displaying fintech app interface by AKVEO with dashboard and transaction overview.
50% increase in active users
2-Month Delivery of Multi-Bank Transaction Tracker for Spanish Fintech

We partnered with a Spanish fintech startup to eliminate the friction of manual financial tracking and fragmented banking data. Our dedicated team engineered a cross-platform mobile application that aggregates real-time data from multiple banking APIs into a single dashboard. By leveraging FlutterFlow for rapid development, we met a strict two-month delivery window and managed to implement complex spending analytics and real-time account monitoring.

Fintech transaction tracker mobile app
30% reduction in regression testing time
QA Automation for Mobile Banking App

We resolved critical release bottlenecks for a major Middle Eastern digital bank by building a ground-up QA automation infrastructure. To address the bottleneck of a manual-only testing environment, we engineered a framework for both UI and API validation using Appium, Pytest, and Python. To democratize the testing process, we built a custom interface using UI Bakery, allowing non-technical team members to trigger tests and view reports in Jira (Xray) and Slack.

Two smartphone screens displaying fintech app interface by AKVEO with dashboard and transaction overview.
30-Day Delivery
Factoring Solution for Italian Bank

Our team delivered a complete factoring portal for an Italian bank within one month. We built the platform using Angular and RxJS. We utilized sophisticated data mockups to bypass endpoint limitations and ensure the system was production-ready. Apart from this, our experts extended the existing UI with complex features, including a supplier overview dashboard, an invoice selection engine, and a secure e-signature workflow for factoring submissions.

Skyline of Madrid with modern skyscrapers in the financial district.
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Why Partner with Akveo to Build Mobile Banking Apps

By pairing our deep understanding of financial regulations with cutting-edge mobile engineering, we deliver audit-proof software that your customers will love to use.

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Deep Fintech Domain Expertise
Our engineers and consultants arrive with a comprehensive understanding of regulatory compliance and the nuances of fintech software development.
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AI-Powered Mobile Banking
We integrate advanced AI models directly into the mobile experience to drive both security and engagement.
High-Concurrency Scalability
Our team ensures that your app maintains sub-200ms latency, whether you are processing 1,000 or 1,000,000 concurrent transactions.
Enhanced Mobile Security
In mobile application development for banking, we use zero-trust principles, implementing SSL pinning, jailbreak detection, and field-level encryption.
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Transparent Estimates
We perform a deep-dive architectural audit to provide you with a realistic budget and a technical roadmap that sticks.
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Award-Winning Engineering
Akveo-engineered mobile banking apps have been recognized for innovative digital experiences at prestigious industry awards.

Trusted by Global Companies

We help banking organizations turn digital products into market advantages.

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10+
Years of Banking App Development
5M+
Secure Transactions Processed Daily
100+
Software Professionals

Digitize Banking Experience with a Mobile App Built to Scale

Don't let legacy debt hold back your innovation. We provide the technical backbone you need to grow your user base without a total system rewrite.
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Our Financial Software Expertise

At Akveo, we build high-performance application layers and sub-systems that turn rigid databases into flexible digital products.

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Smart Tech Choices for Banking Apps

We pick the right technologies to maximize performance, simplify maintenance, and support the future growth of your mobile banking solutions.

Frameworks & Languages:
React Native (For mobile scanner applications)
Native iOS (Swift)
Native Android (Kotlin)
TypeScript
Backend & Infrastructure:
Node.js
NestJS
Azure / AWS / Google Cloud
Firebase
AI technologies:
Open AI
Anthropic
Llama
Gemini
Hugging Face
Groq
LangGraph
LangChain
CrewAI
Tavily
Chroma

Cooperation Models Aligned with Your Specific Needs

We integrate our engineering expertise into your specific workflow through flexible engagement models.

Dedicated Development Team

If you are looking for a long-term technical partner to own a roadmap, we can deploy autonomous, full-stack teams. Such teams act as an extension of your internal department and adopt your culture and security standards.

Best for:

Core legacy system migration

Development of massive enterprise ecosystems

Project-Based

We take full accountability for a defined scope, from the initial technical audit to the final production push. This allows your internal leadership to stay focused on high-level business strategy while we manage the daily engineering grind.

Best for:

MVPs

End-to-end app development

Modernization of a standalone legacy module

Staff Augmentation

Sometimes you don't need a whole team. You just need to clear a bottleneck. We provide specialists with a wide range of skills. They plug directly into your existing CI/CD pipelines and help you solve pressing tasks.

Best for:

Upcoming release deadlines or a sudden need for niche expertise your current team lacks

Hire Developers with Specialized Banking Expertise!

We’ll audit your current challenges and help you identify the engagement model that delivers the most value for your bank.
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Testimonials

Hear from our clients

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A partner who thinks along with you

I’ve worked with Akveo on multiple small and large-scale projects over the last few years. Akveo is innovative, agile, and reliable. If you are looking for a development partner who thinks along with you, you will enjoy working with Akveo.

Michael Bruns
Michael Bruns

Partner, PwC

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Go on with Akveo. You won't regret it!

It`s already my second engagement of Akveo. Akveo is a straightforward company. They’re open for discussion, have innovative solutions, and they understand how to use and leverage them on the market and investing a lot in great open source products.

Gero Strobel
Gero Strobel

Head of Telematics & Connectivity, Erwin Hymer Group

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Strong partnership that fosters agile delivery of innovative solutions

Our cooperation with Akveo is the reliable foundation for delivering high quality solutions for our partners. Proactive mutual conversations on various topics around business, technology and innovation always bring fruitful opportunities for a strong long-term relationship.

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Edgar Kussberg

CEO, Swiss Startup Tech

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Their approach is very professional and open-minded

They take care about what customer asks and they always try to give him attention and results. Even if, as in our case, the customer does not ask a "standard project" but only consultancy and support. Thanks to Akveo's outstanding consultancy services, the company will be able to launch its apps soon.

Andrea Giuggioli - CTO
Andrea Giuggioli

CTO, MySolution

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Our team was impressed by their knowledge and expertise

The team of Akveo handled both the front-end and back-end parts. Weekly meetings allowed us to stay on the same page regarding the overall progress, and daily syncs helped us resolve issues faster. Our team was impressed by their knowledge and expertise. For instance, when I gave them a task for investigating, they came up with an optimal solution in terms of cost and quality efficiency.

Wayne Looker
Wayne Looker

Managing Director, Astute Computer Consulting

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We really appreciate their level of detail and the accountability

We really appreciate Akveo level of detail and the accountability they have demonstrated on the project. As well as their efficient customer service, their willingness to accommodate our need for occasional requests and the way they conducted the business as a whole.

Gianina Biserica
Gianina Biserica

Business Development Consultant, CWBI

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Akveo is about half of what we would have expected to spend

Akveo is willing to continuously communicate about and evaluate the quality and delivery of their own team members, working with us to ensure that everyone is delivering to our satisfaction. They will work with us to replace team members as needed, and work with our team members on the UI side as well, effectively integrating them into their team.

Stephen Junker - CIO
Stephen Junker

Chief Information Officer, Accuro Solutions

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We built IOS, Android, and web apps for a startup for the price of one

Our business has expanded thanks to Akveo’s high-end services! Their contribution has exceeded our initial requirements. Being solution-oriented, Akveo's team establishes strong partnership relations to bring their clients tangible benefits. They always suggest innovative solutions, and remain open to any discussion.

Amy Curran
Amy Curran

Principal Consultant, Velum Management

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Frequently Asked Questions

How much does mobile banking app development cost?

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The budget for the simplest versions of the app can start from $15k – $20k. However, more advanced solutions require significantly higher investments. The total investment depends on the scope, technical complexity, and regulatory requirements of the project.

What are the benefits of launching custom mobile banking solutions?

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Off-the-shelf solutions create a lot of technical limits. Meanwhile, custom engineering offers greater freedom and flexibility. With this approach, you own the code and the roadmap and can provide your app with deep access to biometrics and computer vision for frictionless onboarding. Moreover, custom development ensures great scalability. Our apps are designed to handle 10k+ concurrent transactions without service degradation.

Should we build a native or cross-platform mobile banking app?

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Native development offers the highest possible performance and the most seamless access to device hardware. However, it requires maintaining two separate codebases and doubling the engineering effort for every new feature. For the majority of our banking clients, we recommend a cross-platform approach. This significantly reduces market entry time and development costs. More importantly, it ensures that your business logic stays unified across all devices.

What are the most highly demanded features for a mobile banking app?

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Today’s users expect more than just the possibility to view their balance. The must-haves for a market-leading app include instant card management tools, frictionless onboarding with AI-driven ID and passport scanning, biometric security (FaceID, TouchID, MFA), push notifications for transactions and instant account-to-account transfers, as well as automated spend categorization and term-deposit calculators.

Let's Build Your Next-Gen Banking App Together

We help you go from a concept to a high-concurrency, compliant mobile banking app that drives daily user engagement.

Dmitry Klim
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Head of Growth
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Leave us your inquiry, and our specialists will get in touch within 1 business day!