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Neobank App Development

Build a fully working product by 20% faster than your competitors and invest the resources in increasing its profitability

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Transform the future of banking together with Surf

Polished processes, reliable team, distinctive expertise in digital banking and fintech — Surf helped build and launch neobanks with hundreds of thousands of users. We are trusted by world-famous fintech companies like Société Générale and Y Combinator startups.

Trust your idea to us
12+years of experience
We will build a neobank application from scratch or improve the existing one. We will walk together with you side by side right to the launching stage and further
19+fintech projects in the portfolio
We have worked with all kinds of fintech products including neobanks. So we at Surf are completely familiar with requirements, pitfalls and possible challenges which are inherent to them.Read the case studies
Broad-minded Middle+ professionals
Nowadays people are fed up with trivial solutions. Our team is experienced enough to suggest innovative ways of solving common tasks and to handle project challenges together with you.
We will develop a custom solution or will design a consistent system of ready-made ones

Success stories

Flutter App for Neobank

Our Flutter team built a cross-platform challenger bank app from the ground up in less than a year

  • Kotlin-powered backend
  • Bleeding-edge UI/UX
  • Numerous SDK integrations
  • And other features
Read the full case study
First Flutter Banking App in Europe

Our Flutter team built a cross-platform challenger bank app from the ground up in less than a year

  • Successful integration with the Client’s backend legacy banking services
  • Smart design
  • Smooth project transfer to the Client’s in-house team
Read the full case study
Family Banking App

We developed a new modern banking app that fulfills the needs of each family member, provides shared accounts and detailed spendings analytics

  • Improved usability and clear UI
  • Gamified financial education tasks for kids
  • Family cashback categories
  • And other features
Read the full case study

All-digital banking processes in one app

We will build a neobank app that allows your customers complete all their banking processes digitally

Account
  1. Easy account opening
  2. Identity verification
  3. Fraud-detection
Money
  1. Bank-to-bank transfers
  2. Intrabank transfers by phone number
  3. Making international payments
  4. Setting limits on cards
  5. Paying bills
  6. Loading funds
  7. Splitting a bill
  8. Scheduling regular payments
  9. Viewing transaction history
  10. Viewing spending analytics
See more
Other features
  1. Signing documents with e-signature
  2. Push-notifications
  3. Support chat and chatbots

Looking for specific project?

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Services we provide

UX/UI design

Human centric design by team of 15+ Senior Designers and 25+ SA:

  • Market and competitor analysis, user and product researches
  • CJM workshops, in-depth customer interviews
  • UX expertise that help our clients boost conversions, reduce churn rates, cover broader audience
More about UX/UI

Native app development

Human centric design by team of 15+ Senior Designers and 25+ SA:

  • Native apps on a smartphone with Swift/Kotlin with the best CX
  • Vast selection of custom tools and frameworks for development speed and efficiency
  • Early adoption of tech from WWDC and I/O
  • Most up-to-date stack: Swift UI, Compose, etc.
More about Android DevelopmentMore about IOS Development

Cross-platform development

50+ developers use the only cross-platform framework worth using

  • One codebase for iOS and Android
  • Up to 40% less cost
  • 15 times faster than React Native
More about Flutter Development

Backend development

Human centric design by team of 15+ Senior Designers and 25+ SA:

  • Java/Kotlin stack for any kind of service with sustainable scalability 99%
  • GoLang for highly scalable, high performing, and cost-effective services
  • JS and TS web frontend for maintainability
  • DevOps practices to increase team performance and delivery speed
More about Backend Development

Building great products by taking small steps

Our agency develops all projects using Agile software development methodology where the process breaks down into short iterations. At the end of each iteration, you'll get a working chunk of functionality ready for review

1Analyze and PlanYou’ll get a product development roadmap based on a thorough business analysis, together with an integration plan, set project goals and estimate labor costs.
2Prototype and designYou’ll get an interface prototype that considers both positive and negative user scenarios and has all key features. Then we’ll create an elaborated user-friendly UI/UX design of your neobank app.
3BuildWe’ll develop both fraud-safe backend and smooth frontend sides of your neobank app. Every two weeks, you’ll be provided with an app build for review. Your app will be totally compliant with data and code security standards.
4TestWe’ll perform manual and automated testing after every iteration. It’ll ensure security and stability of your app. Our automated testing will save you up to 80% of the testing time.
5LaunchWe'll help you carry out your app and upload it to to App Store and Google Play and support it continually if required according to SLA.
6Hand overOption stageWe’ll help you build an in-house team, pass the project over to them with all due documentation and conduct an onboarding.
1Analyze and PlanYou’ll get a product development roadmap based on a thorough business analysis, together with an integration plan, set project goals and estimate labor costs.
2Prototype and designYou’ll get an interface prototype that considers both positive and negative user scenarios and has all key features. Then we’ll create an elaborated user-friendly UI/UX design of your neobank app.
3BuildWe’ll develop both fraud-safe backend and smooth frontend sides of your neobank app. Every two weeks, you’ll be provided with an app build for review. Your app will be totally compliant with data and code security standards.
4TestWe’ll perform manual and automated testing after every iteration. It’ll ensure security and stability of your app. Our automated testing will save you up to 80% of the testing time.
5LaunchWe'll help you carry out your app and upload it to to App Store and Google Play and support it continually if required according to SLA.
6Hand overOption stageWe’ll help you build an in-house team, pass the project over to them with all due documentation and conduct an onboarding.

Learn more about our neobank app development expertise

How to Develop a Mobile Banking App Like Revolut

Traditional banks generally have to address issues such as bureaucracy, paper-based workflows, and time-consuming processes…

Read more
Neobank Growth: How to Scale a Fintech Startup

What is a neobank? In a nutshell, it’s a bank that doesn’t have physical branches and operates exclusively online. The shift from.

Read more
Neobank Solutions for Higher Profitability

Fintech is constantly transforming the financial services industry. The traditional brick-and-mortar banking concept is drifting towards…

Read more

Let's code your success story together!

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Olga Gromakovskaya

Chief Commercial Officer, Surf

Let's code your success story together!

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