Finomatica
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The bank your customers see, and everything behind it.

iOS, Android and web apps, multi-currency accounts, card issuing, payments and onboarding — built, operated and kept running by us, with nothing in any of it carrying our name.

01Accounts and cards

Customers hold balances in every currency you offer and see their cards beside them. Cards are issued virtual or physical against the same ledger and the same customer record, and can be frozen, unfrozen and limited from the app.

02Payments

Euro payments clear through a direct CENTROlink integration — SEPA Credit Transfer, SEPA Instant and Direct Debit, at scheme cost and around the clock. Customers can also pay by phone number or QR code, and request payment from one another.

03Onboarding

Registration and verification happen inside the app: documents captured and read, identity confirmed, liveness checked. Most accounts open in minutes, with a human escalation path for the cases that need one.

Capabilities.

Multi-currency accounts
Dedicated and pooled IBAN structures, virtual accounts, and balances in every currency you offer.
Card issuing
Virtual and physical cards on the same ledger as the accounts, with spend controls and 3-D Secure.
Payment rails
SEPA Credit Transfer, SEPA Instant and Direct Debit direct, plus SWIFT and local schemes across 30+ markets.
Open Banking A2A
Payment initiation and pay-by-bank, with account-to-account payouts and refunds back to the customer’s own bank — where your licence permits.
Person-to-person payments
Transfers by phone number, QR payments, and payment requests between customers.
Onboarding and KYC
Automated capture, extraction and liveness, with risk scoring at onboarding and manual escalation where required.
Foreign exchange
Your rates, spreads and tiers, set through a per-tenant pricing engine.
Notifications
Push notifications on payments and account activity.
Statements
Generated per account and period from the ledger itself.
In-app support
Self-service and support surfaces inside the app rather than beside it.
Applications
Native iOS and Android apps and a web portal, published under your own listings and carrying no mark of ours.

Every component described here is running in production today inside licensed financial institutions whose platform we build and operate.

Watch it work before you commit to anything

We will take you through the product as it stands, in the apps and the back office, and map what you are launching onto what is already there. You will be talking to the people who run the platform.

Get in touch