Digital banking app development cost
Accounts, cards, transfers and a ledger that must balance. Priced as an app with similar functionality to Chime or Revolut, at US rates and launch scope.
Planning range, not a quote. Every figure comes from the same engine the calculator runs on.
What makes it expensive
Correctness is not optional when the product is money. A double-entry ledger, idempotent writes and settlement reconciliation are a large unglamorous backend, and KYC, AML and fraud each add both a product surface and an operations queue somebody has to staff.
What is in scope
- KYC and sanctions screening
- Double-entry ledger and reconciliation
- Card issuing through a sponsor platform
- Fraud scoring and a dispute workflow
Where the money goes
The six largest disciplines in this build. The calculator shows all 11, itemised down to individual features.
| Discipline | Hours | Share | Cost |
|---|---|---|---|
| Backend engineering | 3,025 | 33% | $450,000 |
| Security & compliance | 900 | 12% | $150,000 |
| QA & testing | 1,400 | 10% | $135,000 |
| Project management | 910 | 9% | $120,000 |
| iOS engineering | 700 | 8% | $100,000 |
| DevOps & cloud | 630 | 7% | $95,000 |
The same product at four standards of finish
Identical answers, four levels of depth. This is usually the most useful comparison on the page, because it is the decision you actually control.
Advanced is highlighted because that is what this example is configured at.
What it costs to keep running
Separate from the build, because operating cost scales with usage and development cost does not.
per month at 45,000 monthly users
24% – 28% of build cost
78 peak concurrent users