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.


Google Cloud








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.

  • Business analysis
  • Flutter app development
  • Web development
  • Legacy code refactoring



  • Product discovery (Zero Sprint)
  • Swift, Kotlin app development
  • UI/UX design
  • Third-party integrations
  • Prototyping
  • Backend development
  • QA and test automation
  • DevOps
Banking app developers — Look no further. We offer a full-stack team with experience in fintech mobile app development.

Contact us
Let’s discuss your project together
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Vladi Makeew

CEO of Surf
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