Build a digital banking app

Savings, transactions, cards and lending in one mobile-first experience. Describe the bank you want to see and get a clickable prototype.

Start building — it's freeClickable prototype in minutes · No card required

Every strong consumer brand is one step from being a bank for its own customers — the loyalty is there, the distribution is there, and the economics of deposits and interchange are proven by Nubank, Monzo and Chase. What's historically been missing is a way to design and launch the product without building a bank's worth of infrastructure first.

Kobble's AI builder closes that gap. Describe the banking experience you want — accounts, cards, lending, the onboarding flow, the tone — and get a clickable prototype in your brand within minutes. The same Kobble modules that render the prototype (accounts, card issuing, KYC, payments) power the production launch, typically live in around 8 weeks.

What you can build

Savings and transaction accounts

Interest-bearing savings and everyday transaction accounts with real-time balances, statements and PayID payments.

Cards with full controls

Branded debit cards with freeze/unfreeze, MCC blocking and limits, provisioned instantly to Apple Pay and Google Pay.

Secure digital onboarding

KYC identity verification, liveness checks and AUSTRAC-aligned AML monitoring — a compliant onboarding flow customers finish in minutes.

Lending built in

Personal lending with bank-statement retrieval, affordability assessment and repayment schedules as an optional module.

Support and notifications

In-app support messaging and real-time push notifications — the retention layer of every top-rated banking app.

Powered by Kobble modules

The prototype is assembled from the same licensed modules that run in production — what you approve in the design is what launches.

Transaction & savings accounts
Card issuing (Mastercard)
KYC onboarding
AML monitoring
PayID / PayTo payments
Lending
Support messaging

How it works

1
Describe it
Start from your company or a blank slate. One sentence is enough — the builder researches your brand and asks the right follow-ups.
2
Shape the build
Pick a concept, toggle the modules you need and choose a design style. Your logo and brand colours are applied automatically.
3
Get the prototype
A clickable app in your brand, a build-vs-Kobble ownership map, a compliance pathway and exportable briefs for your team.

Frequently asked questions

Do I need a banking licence to launch this?

Products launch on Kobble's licensed infrastructure (AFSL No. 545391, AUSTRAC registered) rather than requiring your own authorisation in most structures. The builder's compliance pathway maps your specific case.

How real is the prototype?

It's a clickable mobile app in your brand — onboarding, home, cards, payments and settings — generated from your description, your logo and your brand colours. It's a design and alignment tool, not production software.

What does 'live in 8 weeks' actually involve?

Once the design is agreed, Kobble configures the underlying modules, runs compliance onboarding and connects your brand assets. Eight weeks is the typical path for a first release; complex lending features can extend it.

Can I start smaller than a full bank?

Most do. Launch with accounts and a card, then switch on lending, multi-currency or loyalty as separate modules later — the prototype shows the full roadmap either way.