Fintech app development company and fintech software development services
A fintech app development company should show you what your payments app, lending portal or budgeting app costs before the first call. In our model, a fintech MVP with one payment flow costs $43,000 to $63,000 and takes 6 to 8 weeks, a cross-platform wallet or payments app costs $77,500 to $100,500, and a loan application portal for a lender costs $65,000 to $93,000. Your own features give you your own range in about a minute.
No call, no card, no email needed to see your estimate.
Web app
Hours per feature
Typical range
$40,000 to $120,000
Fintech apps we build, with model prices
Each row is a result of the same estimate model you can run yourself, with the features listed. Every price includes design, QA and project management at $89 per hour of team time.
- Fintech MVP, web
- Main featuresAccounts, one payment flow, dashboard, email, card processor and one more provider
- Hours481 to 708
- Cost$43,000 to $63,000
- Timeline6 to 8 weeks
- Personal finance or budgeting app, iPhone and Android
- Main featuresOne cross-platform codebase, accounts, spending dashboard, push alerts, reports, bank data connection
- Hours815 to 1,001
- Cost$72,500 to $89,000
- Timeline10 to 12 weeks
- Wallet or payments app, iPhone and Android
- Main featuresCross-platform, accounts, payments, admin panel, push, analytics, card processor and identity check
- Hours873 to 1,128
- Cost$77,500 to $100,500
- Timeline10 to 13 weeks
- Same payments app, two native apps
- Main featuresSwift and Kotlin instead of one shared codebase
- Hours1,056 to 1,311
- Cost$94,000 to $116,500
- Timeline9 to 11 weeks
- Loan application portal
- Main featuresBorrower accounts, roles, document upload, underwriter admin, dashboard, email, reports, CRM and one data provider
- Hours731 to 1,044
- Cost$65,000 to $93,000
- Timeline9 to 12 weeks
- Client portal for an advisory or wealth firm
- Main featuresClient accounts, roles, portfolio dashboard, document vault, reports, email, CRM and custodian data feed
- Hours673 to 928
- Cost$60,000 to $82,500
- Timeline8 to 11 weeks
- B2B invoicing and payments SaaS
- Main featuresTeams, roles, invoices, payments, dashboard, email, card processor and ERP connection
- Hours737 to 1,032
- Cost$65,500 to $92,000
- Timeline9 to 12 weeks
- AI document capture for lenders or accountants
- Main featuresRead bank statements, pay stubs and tax forms, search them, report on them, push data to your CRM
- Hours284 to 476
- Cost$25,500 to $42,500
- Timeline5 to 8 weeks
- Integration only
- Main featuresConnect your product to an ERP, a card processor and one more financial API
- Hours162 to 302
- Cost$14,500 to $27,000
- Timeline3 to 6 weeks
| What gets built | Main features | Hours | Cost | Timeline |
|---|---|---|---|---|
| Fintech MVP, web | Accounts, one payment flow, dashboard, email, card processor and one more provider | 481 to 708 | $43,000 to $63,000 | 6 to 8 weeks |
| Personal finance or budgeting app, iPhone and Android | One cross-platform codebase, accounts, spending dashboard, push alerts, reports, bank data connection | 815 to 1,001 | $72,500 to $89,000 | 10 to 12 weeks |
| Wallet or payments app, iPhone and Android | Cross-platform, accounts, payments, admin panel, push, analytics, card processor and identity check | 873 to 1,128 | $77,500 to $100,500 | 10 to 13 weeks |
| Same payments app, two native apps | Swift and Kotlin instead of one shared codebase | 1,056 to 1,311 | $94,000 to $116,500 | 9 to 11 weeks |
| Loan application portal | Borrower accounts, roles, document upload, underwriter admin, dashboard, email, reports, CRM and one data provider | 731 to 1,044 | $65,000 to $93,000 | 9 to 12 weeks |
| Client portal for an advisory or wealth firm | Client accounts, roles, portfolio dashboard, document vault, reports, email, CRM and custodian data feed | 673 to 928 | $60,000 to $82,500 | 8 to 11 weeks |
| B2B invoicing and payments SaaS | Teams, roles, invoices, payments, dashboard, email, card processor and ERP connection | 737 to 1,032 | $65,500 to $92,000 | 9 to 12 weeks |
| AI document capture for lenders or accountants | Read bank statements, pay stubs and tax forms, search them, report on them, push data to your CRM | 284 to 476 | $25,500 to $42,500 | 5 to 8 weeks |
| Integration only | Connect your product to an ERP, a card processor and one more financial API | 162 to 302 | $14,500 to $27,000 | 3 to 6 weeks |
The ranges are model results, not quotes. Discovery confirms the scope and fixes the price of every later stage before you pay for it.
Why fintech teams hire us for the build
Most fintech products fail on budget long before they fail on technology. A founder raises a seed round on a deck, signs a time and materials contract with no ceiling, and runs out of runway with half a product. We price the work up front and sell it in stages, so you always know what the next block of money buys.
- 01 Price before commitment. You see hours, team size, timeline and cost per feature before any meeting.
- 02 Stage payments. Discovery costs 10 percent of the estimate, at least $1,900. Design, build sprints and launch are each paid before they start, and you can stop after any of them.
- 03 Every provider priced one by one. Each connection to a card processor, bank data aggregator, identity verification service, core banking partner or ERP is a line in the estimate, 16 to 48 hours each.
- 04 Your code, your cloud. Everything is built in your repository and in cloud accounts in your name, and the rights transfer to you as each stage is paid. That matters when investors, partner banks or acquirers run technical due diligence.
- 05 Security practices in writing. Code review on every change, dependency scanning, encryption in transit and at rest, role-based access and audit logs. The full list is on our secure software development page.
Fintech software development services we cover
- 01 Payments and wallets. Peer-to-peer transfers, stored balances, bill pay, payouts to contractors and in-app checkout built on a licensed payment processor or banking partner.
- 02 Lending software. Borrower applications, document collection, underwriting queues, decision notes, loan status pages and servicing dashboards for lenders, brokers and credit unions.
- 03 Personal finance and budgeting apps. Account aggregation through a bank data provider, categorized spending, goals, alerts and subscription billing.
- 04 Wealth and advisory portals. Client dashboards, document vaults, secure messaging and reports fed from custodian or portfolio data.
- 05 B2B finance tools. Invoicing, accounts receivable and payable workflows, expense approval and spend dashboards connected to QuickBooks, Xero or NetSuite, often built as SaaS products with subscription billing.
- 06 Internal tools for finance teams. Reconciliation queues, reporting and admin panels that replace spreadsheets, built as custom software.
- 07 AI on financial documents. Data extraction from statements, pay stubs, tax forms and invoices through our AI development work, with human review where a wrong number costs money.
How we handle compliance in a fintech build
We are a software development company, not a law firm or an auditor, and we do not hold money transmitter licenses or certify your product. What we do is design the app so that compliance is cheaper for you:
Your counsel and your banking partner decide what your product needs. We turn those requirements into scoped, priced work.
- 01 Licensed partners hold the regulated parts. Card data, money movement and identity checks run through processors and banking partners that already carry the licenses and audits, so your servers store tokens and references, not card numbers. That keeps PCI scope small.
- 02 Know your customer and anti-money laundering checks are built as workflows around a verification provider you choose, with the decision trail stored for your compliance team.
- 03 Audit logs, role-based access, data retention rules and encryption are scoped in Discovery as features with hours, not promised as a vague extra.
- 04 If you are preparing for a SOC 2 audit or a partner bank review, we build to the controls your auditor or partner gives us and document what we built.
How a fintech app project runs
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01
Run the estimate. Pick the project type, the features and the providers you need to connect, and see the range in about a minute.
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02
Discovery and scope, about one week. User stories, data model, money flows, every third-party provider and its sandbox, and a fixed price for each later stage.
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03
Design, about two weeks. Screens for onboarding, verification, payments and the admin side, unless you bring your own designs.
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04
Build in two week sprints. You click through a live build at the end of every sprint, connected to provider sandboxes, and can reorder the backlog between sprints.
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05
Launch and handover. Production release, app store submission for mobile apps, documentation and the code in your account. Partner bank or processor go-live reviews run on their own schedule, so we plan them into the timeline from day one.
Who buys fintech app development from us
- 01 Fintech founders building a first version for a seed round or a partner bank pilot, who start lean with our MVP development services.
- 02 Lenders, loan brokers and credit unions replacing email and PDF applications with a borrower portal and an underwriting queue.
- 03 Advisory, wealth and accounting firms that want a branded client portal instead of a generic file share.
- 04 B2B software companies adding payments, invoicing or payouts to an existing product.
- 05 Finance teams at mid-size companies that need internal tools their ERP does not provide.
Fintech app development company, freelancers or an in-house team
- Time to start
- Agency, priced by stageAbout one week after Discovery
- FreelancersDays, per person
- In-house team2 to 4 months of hiring
- Cost visibility
- Agency, priced by stageFixed price per stage
- FreelancersHourly, open-ended
- In-house teamSalaries and benefits, fixed
- Design, QA and project management
- Agency, priced by stageIncluded in every estimate
- FreelancersYou hire or do them yourself
- In-house teamYou hire them
- Who owns the code
- Agency, priced by stageYou, stage by stage
- FreelancersYou, if the contract says so
- In-house teamYou
- Best for
- Agency, priced by stageVersion one, a new product line, a pilot with a partner
- FreelancersSmall, well-defined tasks
- In-house teamA funded product with years of roadmap
| Agency, priced by stage | Freelancers | In-house team | |
|---|---|---|---|
| Time to start | About one week after Discovery | Days, per person | 2 to 4 months of hiring |
| Cost visibility | Fixed price per stage | Hourly, open-ended | Salaries and benefits, fixed |
| Design, QA and project management | Included in every estimate | You hire or do them yourself | You hire them |
| Who owns the code | You, stage by stage | You, if the contract says so | You |
| Best for | Version one, a new product line, a pilot with a partner | Small, well-defined tasks | A funded product with years of roadmap |
Freelancers are cheapest for a single well-defined task. An in-house team wins once the product is funded and the roadmap runs for years. For a first version, a pilot or a new product line with a hard budget, a staged agency build costs less than a hiring round and carries less risk than a loose contract. After launch you can keep a developer from our dedicated developer plans or move the code to your own team. The budget side of a fintech build, including provider fees and audits, is in fintech app development cost.
Questions buyers ask a fintech app development company
In our model, a fintech MVP with one payment flow costs $43,000 to $63,000, a cross-platform payments or wallet app $77,500 to $100,500, and a loan application portal $65,000 to $93,000. Provider fees, audits and app store accounts are extra and paid by you directly. Your own features set your range in the calculator.
Most fintech apps in our model take 6 to 13 weeks of build after a one week Discovery. An MVP takes 6 to 8 weeks, a payments app 10 to 13 weeks. Partner bank onboarding, processor reviews and app store approval add calendar time that sits outside the build, so we plan for them from the start.
We build payment apps that keep card data out of your systems. Card numbers go straight to a licensed processor and your app stores only tokens, which keeps your PCI scope at its smallest. The processor carries the card data audit. Your qualified assessor confirms which self-assessment applies to you.
Yes. Each provider is a separate line in the estimate, 16 to 48 hours depending on the API and data mapping. Typical connections are a card processor, a bank data aggregator, an identity verification service, a banking-as-a-service partner, and accounting systems such as QuickBooks, Xero or NetSuite.
It depends on what your app does with money. Many fintech products avoid holding funds themselves by working through a licensed banking partner or payment processor. Lending, money transmission and investment advice each have their own federal and state rules. Get that answer from fintech counsel before Discovery, and we will scope the build around it.
You do. Everything is built in your repository and cloud accounts in your name, and the rights to each stage transfer to you when that stage is paid. That keeps your product clean for investor and partner bank due diligence.
Price your fintech app before your next investor or partner meeting
Pick the features and the financial providers to connect, and see the hours, team, timeline and cost in about a minute.