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Banking Startup Ideas



1 month ago

A platform that helps small businesses expand internationally. The startup wants to provide a full suite of international services, including business banking, e-commerce fulfillment, and international tax structure management.

1,086
2 years ago

A money transfer service where people can send money to family members without having to deal with the banking system.

240
2 years ago

This startup wants to build a new type of credit card for the underbanked, especially in developing countries. It takes the form of a prepaid card and is available in any currency. Given the lack of banking options in many such countries, the startup sees a lot of potential for growth.

210
1 year ago

A startup that wants to make banking more like social media. The startup is building a “challenging” banking experience that integrates notifications, product recommendations and social aspects. A new way to bank that would be more like checking your Facebook stream for information and then making a purchase.

177
10 months ago

Humaniq wants to provide a system for users to buy and sell cryptocurrency, using mobile phones. The startup is building a mobile banking app that allows users to buy, sell, trade, and hold funds in cryptocurrency.

173
1 year ago

A startup that wants to make “banking for the world’s poor” easier by providing access to financial services.

172
3 years ago

A startup that aims to make banking better for the underbanked in emerging markets.

168
2 years ago

A digital banking app for the unbanked in Latin America. The startup is building the “first true digital bank for the unbanked”, working on integrations with traditional credit unions and banks.

159
2 years ago

A company that’s building a framework for a fully decentralized digital banking network, a system that would be made up of a network of independent, local banks.

158
3 years ago

This startup is building a digital banking platform for the developing world, enabling mobile banking across all of Africa.

151
3 years ago

The startup was founded in May with the goal of making banking more accessible in the US.

151
3 years ago

Provenance is a food tracking app, that has been billed as a startup that’s trying to get food to the same level of transparency as it has in other industries like banking or ride sharing. It’s a bit like the app Just Eat, but for food.

148
3 years ago

This startup is building a digital assistant that allows employees at real estate companies to do banking, scheduling, and other tasks from their phone.

144
3 years ago

A company that helps open banking startups with their APIs and developer framework.

144
3 years ago

This startup is building a mobile banking platform that will allow small business to accept payments from their customers easily through their SIM cards.

144
3 years ago

The startup is working on a new type of mobile banking that’s mobile-first, and designed to provide easy access to traditional banking services like check deposits, bill pay, and direct deposit.

143
1 year ago

Walnut Ventures is building a digital banking alternative that is designed to be a bank for the unbanked.

141
1 year ago

This startup wants to make banking as easy as buying a cup of coffee, just with a few clicks.

141
3 years ago

A mobile-first banking app, with a focus on individuals in emerging markets. The startup wants to empower the unbanked in emerging markets.

138
1 year ago

A company that offers a suite of banking and financial service products, including a debit card, checking account, and loan.

138
3 years ago

A startup that aims to make online payments seamless for millennials and other young people who are not interested in traditional banking It is now part of PayPal

135
3 years ago

Polite.com is building on the idea of “time banking” — people who trade their time for other people’s labor. They have a number of products that do this, including a new one that pairs people with tasks and then allows them to track their work.

135
3 years ago

A startup that wants to make the “banking process” easy for millennials. The CEO says that half of millennials don’t have checking accounts, and another third don’t have credit cards. They want to do for banking what Mint did for personal finance.

133
3 years ago

This is a startup that wants to help people save money on banking fees by sharing account information with other banks.

133
1 month ago

 A startup that is building a system to allow mobile banking through a connected car.

132
3 years ago

A startup that wants to bring a similar UI to the world of online banking, except that instead of generic banks, the startup offers a wide array of financial products.

126
3 years ago

A tool for managing your personal finance. It’s a one-stop-shop for all your banking and insurance needs, as well as a platform for your investments.

125
2 years ago

A startup that helps sales reps in the insurance and banking industries better understand their clients.

125
2 years ago

A company that uses machine learning to create products that help senior citizens with activities of daily living, such as shopping, banking and making phone calls.

120
2 years ago

Another digital banking app for Brazil, offering a new way for micro-businesses to manage their financials.

119
3 years ago

A startup that combines online banking and personal assistance so that people can get help with their finances

114
2 years ago

An API and a mobile app for Paypal. The startup aims to let Paypal users create personal online banking accounts and hold them in one place.

113
2 years ago

BridgeCoin is a cryptocurrency-based lending platform that is “an alternative to the traditional banking system.”

112
2 years ago

A company that helps companies in developing countries get banking services. They’re currently in talks with several banks in India.

111
3 years ago

The company aims to be a “banking for millennials” that offers high-yield savings accounts. It’s a way for younger consumers to build their savings without having to pay a premium for the privilege.

110
3 years ago

A company that helps build technology for banks to provide online banking through telepresence. A few months ago, it was reported that Facebook was looking to invest in VR company Magic Leap to help make this possible.

109
2 years ago

A B2B “banking for business” startup that helps clients with business banking needs, including payroll, invoice financing, and other financial services.

109
1 year ago

A digital payments platform for the emerging markets. The startup wants to help companies who don’t have access to traditional banking services in developing countries.

108
8 months ago

A microfinance startup that’s taking on the traditional banking system.

108
2 years ago

Inspired by the Robinhood phone app, a startup wants to build a digital banking app for millennials that will not only give them the ability to check their account balances, but also update and deposit checks.

107
2 years ago

SaaS that brings mobile banking to underbanked businesses, with a freemium model that starts at $20 per month. It offers a mobile app with check-deposit functionality, but also wants to build out a premium platform for mid-sized businesses.

106
2 years ago

A banking app for the unbanked in India

105
1 year ago

A hybrid mobile banking app that combines the convenience of mobile banking with the security of strong authentication.

102
2 years ago

A software company trying to solve the problems with digital payments in developing markets, where mobile banking is still a novelty. The startup wants to provide a solution that’s simple, easy, and secure.

99
2 years ago

A new kind of digital wallet that helps people plan and track their finances, manage their spending, and get support from their bank. The startup wants to be a “one-stop shop for financial services” that includes a portfolio, banking, investing, and insurance.

99
2 years ago

A startup that uses Microsoft Azure to help banks and other financial institutions build their own online banking services.

98
1 year ago

A banking solution meant to offer a new alternative to the credit card. The company is co-founded by former players from Stripe, who say they’re “creating a banking brand that works for the modern consumer”.

96
2 years ago

A digital banking platform for Puerto Rico, bringing a mobile-first approach to the island.

94
2 years ago

 A new kind of e-banking system for Latin America, which is designed to improve the experience of active bank customers. The company plans to launch in Brazil in the next few months and expand thereafter.

93
2 years ago

A company that allows people to create customized “banking services” for themselves, from getting their paychecks directly deposited to arranging overdraft protection or making payments online.

92
2 years ago

A startup that wants to build a decentralized banking system. The founders say that banks are creating systems that are too expensive and too clunky to be used, and that the market is underserved — especially by credit cards, which are used by everyone in the world, but for which there’s no good way to transfer money across borders.

89
2 years ago

An open banking platform that helps banks understand their consumers.

86
1 year ago

This company helps finance companies with banking relationships automate their back office operations.

85
1 year ago

A startup in the financial services space that helps banks get banking relationships from clients.

85
10 months ago

The company is looking to create a single directory for all the services, both online and offline, that people use to deal with their money. They want to make it easy to find resources, from banking to tax preparation to credit cards.

84
2 years ago

The other factor is the service-based nature of B2B companies. B2B companies typically spend on services, such as accounting or legal services. The most common B2B service businesses include accounting, banking, and legal services. B2B marketing startups are therefore more likely to be targeting B2

82
2 years ago

A money management app for the underbanked that allows them to perform all their regular banking tasks in one app.

80
2 years ago

A text-based banking app that helps users make secure payments, like transferring money into a friend’s bank account.

79
5 months ago

A startup that wants to revolutionize online banking. The startup is working to build a digital banking platform that’s faster, more secure and more efficient than its competitors.

79
2 years ago

A new electronic banking system for low-income consumers in Mexico.

78
2 years ago

A platform that helps people with no access to banking services, get small business loans and savings accounts. They’re a nonprofit and are building a platform to help people build their own financial products and have it administered by a bank, thus making it more accessible.

78
1 year ago

A global payments platform for small- and medium-sized businesses. The startup wants to help those with limited credit or banking options get access to global trade finance.

78
1 year ago

This startup is building a banking app for small businesses. The app allows small companies to open bank accounts and use the tools of the bank directly.

75
1 year ago

A startup that helps people in India establish a bank account. The service aims to be user-friendly for people who don’t have a bank account. The team also says that it’s working with the government to digitize all government records to make banking easier.

75
8 months ago

A platform that lets you access a variety of different financial services, like loans, banking, and insurance coverage. The startup wants to create a one-stop shop for financial services, and already has a customer base in the UK.

73
1 year ago

A company that uses machine learning to discover and prevent fraudulent users from taking advantage of traditional banking systems.

72
2 years ago

A “mobile-first, paperless” way to handle banking

71
1 year ago

A way for users to text their banking info to the bank so they can more easily configure their accounts.

70
2 years ago

This is a mobile-first banking app for Latin America that wants to help customers manage their credit cards and manage their finances by aggregating and integrating all of a person’s financial data.

69
29 days ago

A company that builds services on top of the banking APIs of major banks.

69
2 years ago

A consumer mobile banking mobile app for the developing world. It’s meant to bring mobile banking to consumers in places where banking infrastructure isn’t robust, and where there are often mobile networks that are poor quality or nonexistent.

68
1 year ago

A company working on a software platform to help banks create a single online banking interface.

68
1 year ago

A digital-only bank for small businesses in the U.S., which provides small business loans and a personal banking account.

68
9 months ago

This digital bank account helps customers manage all their banking needs from one application.

68
8 months ago

A startup that helps people manage their expenses across multiple accounts, like banking, credit cards, etc.

66
1 year ago

A micro-banking startup focused on helping the unbanked in low-income, remote areas of rural Kenya.

65
1 year ago

A payments startup that helps users receive payments from other users via credit or debit cards without sharing banking information.

65
2 years ago

A startup that helps credit unions develop an online banking platform.

64
2 years ago

An API for the financial sector to allow bank customers to automate banking, track transactions, and have their data centralized

63
1 year ago

An API platform meant to help people build their own personal “banking” and “insurance” platform. They’re already working with a number of major companies.

63
8 months ago

A mobile-first accounting app that pairs with the startup’s cloud accounting platform and allows users to manage their accounts and taxes. The startup is looking to create a “modern banking experience” for the average consumer.

62
1 year ago

A digital banking startup for the developing world.

60
1 year ago

A “banking app for the black community”. The company is working with the FDIC to create a black business bank account.

59
7 months ago

A digital banking service that allows customers to access their accounts with a text message

59
1 year ago

The startup has brought real-time banking to the Philippines. It allows users to set up a fixed amount of money to spend per day, and then debits that account whenever it has enough in reserve.

58
1 year ago

A banking app with a built-in social currency

57
1 year ago

This mobile banking startup is launching a new mobile app that removes the need to carry around large amounts of cash, allowing users to simply store their cash and cards in their phones, which also act as wallets.

57
4 months ago

Targetted against India’s $200 billion non-banking finance (NBFC) market, BorrowBox is building a platform for people to borrow money from other people in their social network.

57
11 months ago

A startup that is helping banks build digital banking services for non-English speaking customers.

55
1 year ago

A banking and financial app for millennials.

54
1 year ago

The company wants to build robust biometric tools for use in retail and banking. It’s building technology to identify and authenticate people on mobile phones and tablets.

54
1 year ago

A startup building a set of tools for the legal marijuana industry in the US. The startup aims to automate the process of banking and financing marijuana, while also making it easier for legal marijuana businesses to pay their monthly bills.

54
1 year ago

A platform for helping the world’s unbanked and underbanked via mobile banking.

53
2 months ago

A banking app for the underbanked in India. It’s like a money transfer app plus a savings account.

51
1 year ago

A tool for businesses to plan and manage their expenses and make them more accurate. It pulls in data from other services like Salesforce, Google Docs and more, so you can plan an expense with a spreadsheet and see it instantly reflected in your online banking.

50
1 year ago

Most of the world’s money is stored in centralized banks, but these institutions are often unreliable. This startup wants to build a decentralized banking system that is as robust as the banks themselves.

50
1 year ago

A startup that allows employees to manage their income, expense and banking information. Small business owners that pay their employees in cash have to manage a number of paper documents to keep track of those payments. Hatipol, which was founded earlier this year, is building a system to do this more efficiently.

49
1 year ago

A tool to help users manage their money. It has a mobile banking app, but there are also plans to release a credit card.

49
9 months ago

A mobile payments and banking app for small businesses in the US that combines loyalty and rewards with banking. It’s like a consolidation of a couple of other payment and banking apps — Venmo, PayPal, and Square — into one. It’s already built out and gaining traction in the US.

48
6 months ago

A platform that helps small service providers with everything from practice management to payroll, invoicing, and banking services.

48
1 year ago

A startup working to make mobile payments in Kenya more secure and more ubiquitous. The startup uses a “banking-style mobile app” to make payments.

47
6 months ago

Fintech startup that wants to create a simpler and more secure digital banking experience for consumers by offering free checking accounts.

47
1 year ago

A banking and finance software solution for small and medium businesses, including SaaS for collaboration, and a “single place for business processes”.

46
5 months ago

A SaaS platform that allows small businesses to manage their finances online. HelpMyBusiness is a platform that helps businesses manage their business accounts and access to basic banking services. The company is a digital bank for small businesses, and hopes to become the “Amazon of banking for the SMB”.

46
1 year ago

A startup that helps startups grow by giving them access to the biggest potential customer base in the world - the US government. The company's proprietary Fintech platform provides access to the US government's banking, insurance and finance systems.

45
10 months ago

A “banking-as-a-service” startup that’s going to be the “Paypal of banking”. It’s not clear how the startup plans to make money.

45
4 months ago

A software startup that connects banks to their customers in order to make banking simpler and more secure.

45
1 year ago

A startup that’s building a way to manage a business’s money without having to worry about banking. The company wants to help businesses manage their cash flow and overall financial health. It’s currently available in the UK, Canada, and the US.

44
5 months ago

A banking platform that connects with multiple systems.

44
1 year ago

A “Social Wallet” that works like Venmo combined with an online bank account. With so many online banking options available, why would a startup want to create a “Social Wallet” Because it’s easy to use and they can get a lot of money from small companies.

43
9 months ago

This startup is building a “cross-border crypto bank” in which private banking is all done in crypto, but the banking infrastructure is still provided by traditional banks.

42
5 months ago

The startup is building a platform that helps people manage their household chores like laundry, banking, and shopping. It is also building a lead generation platform for the service, which it says will help provide more personal assistants for customers.

42
5 months ago

Hitting the $1 million to $2 million mark in funding over the course of 12 months is fairly rare for a startup. But it’s true in the world of payday loans. Money Mart has managed to do it for the past two years. They’re a next-generation bank that offers storefronts, mobile apps and online banking as well as traditional loans. They’re growing in Canada, the UK and the US.

42
1 year ago

A digital banking platform for retail and small business. The B2B company is working with retail banks to develop a digital banking platform.

40
9 months ago

A software platform that brings a centralized dashboard for all your banking information, including all accounts and transactions.

40
10 months ago

A B2B company that wants to automate robo-banking and provide loans to small businesses.

38
5 months ago

A mobile banking app for Latin America that’s built for Latin Americans. The startup does still have a lot of work to do on the English side of its service.

38
4 months ago

A banking app for the socially conscious. The app allows users to donate to charity, the company’s CEO says, and the donations go to a central fund.

38
11 months ago

Focusing on banking for the unbanked, the startup is building a mobile app that will allow small businesses around the world to access loans and banking services from their iPhones.

37
9 months ago

A company that aims to provide a secure and easy-to-use API for banks to create payments solutions for non-banking organizations.

37
1 year ago

A platform that allows users to automate payments – via e-commerce and banking – to other users.

36
10 months ago

The company is a pioneer in the field of payment-as-a-service technology. TAPAS is a cloud-based payments service which brings payment and commerce to the world of mobile handsets, tablets, wearables and even smart-phones via a fast, secure and simple to use interface. TAPAS currently supports online retail, online games and online banking platforms. TAPAS is being used in more than 500 companies in over 40 countries.

35
9 months ago

Autofill is a small business banking app. It has over 1,200 customers and is building on an app that has been around since 2011. They want to make banking more personal.

35
5 months ago

A financial cloud service for businesses, giving them a single platform to manage all of their finance, from payroll to credit to banking.

35
5 months ago

The startup’s app is designed to help people with sensitive information, like medical records or banking information, share it with trusted family members.

35
5 months ago

A platform that helps your team analyze and gain insights from your company’s data. The startup has a lot of companies in the banking, insurance, and e-commerce industries as customers.

33
5 months ago

This startup helps people get “paycheck-to-paycheck” banking, a means of making regular payments to family and friends.

28
4 months ago

A digital banking platform bridging the gap between traditional banks and fintech startups. The company counts the USAA bank as a customer.

25
3 months ago

The startup is building a banking app that allows users to make payments on the go, using a mobile phone’s NFC feature.

24
3 months ago

A SaaS platform that helps banks comply with international banking regulations. The platform helps banks manage all the different regulations that banks are required to follow, like anti-money laundering measures and know-your-customer policies.

23
27 days ago

A payment platform for the B2B Internet of Things. IoT devices have limited or no access to credit or banking, which means many companies need to rely on traditional banking services to pay for them.

22
3 months ago

A startup focused on building a “smart wallet” for people who don’t have traditional bank accounts. People who don’t have access to traditional banking services can store their money in the app, which also allows them to send money to family and friends.

21
18 days ago

A mobile banking app that lets users take care of tasks like loans, payments, savings, loans, and investments through a unified, streamlined interface.

20
8 days ago

A startup that wants to help reduce the amount of money consumers spend on their phone bills. The company gives users a way to pay for their monthly bills with their online banking.

19
5 months ago

A software company that makes it easier for banks to provide all of their business customers with the same set of banking features and services, such as banking with mobile devices, mobile payments, and more.

17
2 months ago

A company working on a way to bring banking and financial services to the consumer in a way that's simple, secure, and offers a low-cost way to manage your money.

14
3 years ago

Idea: A mobile-only banking app to help Latinos in the US save money

-1
3 years ago

Idea: Two-factor authentication for banking. The founders say that banks are terrible at protecting their customers’ information, and that they can do a better job with two-factor authentication.

-1


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