Banking App Development —
We Make Banks Better

Polished processes, reliable team, distinctive expertise in digital banking and fintech — Surf helped build and launch neobanks with hundreds of thousands of users.

Transform into digital native

We know what consumers really want from banks.

Intuitive user experience, security and fraud protection, and mobile access are some of the most requested features from consumers (especially the younger generation). With our team, you can digitalize all your banking processes and provide the best value to users, ultimately, helping them reach their financial goals.

All-digital banking processes

Give me what I want, where I want it, and when I want it.

Customers expect online services for everything from shopping for groceries to taking out loans. We can help you build an app that lets your customers complete all their banking processes digitally:

Online account opening
Loading funds
Splitting a bill
Trading stocks
Making international payments

Checking account balances
Getting notified about account activity
Viewing spending analytics
Saving extra money
Depositing a check via a mobile app

Transferring money to other accounts
Sending money to friends and family
Scheduling regular payments
Activating Round Up and Save When I Get Paid

Impeccable security and compliance

I want my data to be safe and secure.

Our code complies with OWASP secure coding practices. We also implement advanced authentication, data encryption, and DevSecOps to ensure data security and compliance with regulations.

Compliance with code security standards
Compliance with KYC AML, and CTF
Compliance with data privacy and data protection laws

Simple and engaging user experience

Make it easy and fast for me to manage my money.

We research your target audience and your competitors to create intuitive and effective interfaces optimized for conversion. We also build comprehensive design systems to make it easy for you to test, maintain and scale your product. We have been creating banking and fintech apps for more than 12 years, and accumulated a good knowledge of industry-specific details and peculiarities.

Mobile application

I want to use a mobile app whenever possible.

We develop neobanks using both native (Swift, Kotlin) and cross-platform technologies (Flutter). Flutter helps release an app with a native-like user experience on a tight schedule and spend 50% less on app development.

Microservice architecture and modern stack

To scale in a heartbeat

Faster deployment, simplified maintenance, higher scalability — we design API-driven microservice architectures, use cloud technologies, and implement end-to-end DevOps pipelines to achieve connectivity, security, scalability, and high availability.

Cloud infrastructure

AWS

Google Cloud

CI/CD

Jenkins

Github

Containerization

Docker

Kubernetes

ArgoCD

IaaC

Terraform

Ansible

From an MVP to a super app

Whether you’re an interchange-led bank like Chime, a credit-led bank like Nubank, a bank that offers a whole ecosystem of financial products like Monzo, or even a Banking as a Service platform, you can team up with us to bring an innovative financial product to the market or maintain your existing solution.