A modern member banking app for your mutual

Mutual banks and credit unions shouldn't have to choose between community and a first-class digital experience. Describe the member app you want and get a clickable prototype in your brand.

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

Members judge their mutual by the app in their pocket, and the majors set that bar with thousand-person digital teams. Kobble's AI builder levels it: describe the member experience you want — accounts, cards, payments, savings goals, the community tone — and get a clickable prototype in your brand within minutes, ready to put in front of your board or members the same day.

Behind the prototype sits Kobble's licensed infrastructure: Mastercard issuing, PayID and Osko payments, BPAY, KYC and AML monitoring under an Australian AFSL, plus multi-currency wallets and international payments. When the design is agreed, the same modules take the real product live in around 8 weeks — without a core replacement project. Many mutuals also want their loan book and term deposits visible in the same app — Kobble renders that experience over your existing core and lending system, so members see everything in one place without you needing a second licence.

For mutuals built on member value rather than shareholder return, the app can carry that story too — community-impact and ethical-banking positioning (B Corp credentials, fossil-fuel or gambling lending exclusions, local sponsorship) shows up in the same brand-consistent screens as the everyday banking.

What you can build

Payments members expect

PayID and Osko instant payments, BPAY bills, scheduled payments and direct entry — the Australian payment table stakes, in your app on day one.

Cards with member-grade controls

Virtual and physical Mastercard cards with instant lock, PIN management, merchant-category blocking and limits, provisioned straight to Apple Pay and Google Pay. Physical cards work with Bank@Post for cash deposits and withdrawals, so members in branch-light towns aren't cut off from cash.

Savings goals and round-ups

Named savings goals with round-up contributions, alongside term-deposit balance and maturity visibility — the everyday tools that keep members engaged.

Home-loan and offset visibility, via your existing core

Members see loan balances, offset accounts and repayments in the app they already use for everyday banking — Kobble renders this experience on top of your mutual's existing lending system, not as a Kobble-originated loan.

Insurance, via your existing partners

Surface your mutual's existing insurance partners as clearly-labelled referral tiles in-app — a quote pathway for members, not underwriting or advice from Kobble.

Multi-currency and international payments

Foreign-currency wallets and international transfers built in — serve members who send money overseas without pointing them at a competitor.

Accounts for every member

Everyday, savings, youth saver (kids' accounts) and pensioner/retirement accounts, plus club, association and community-organisation accounts for the local groups your members belong to — all in the same member-first app.

Community, in your brand

The builder extracts your brand colours and logo and applies member-first language across every screen — an app that feels like your mutual, not a generic neobank.

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)
PayID / PayTo payments
BPAY
Multi-currency wallets
International payments
KYC onboarding
AML monitoring

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

We already have a core banking system — does this replace it?

No. Kobble powers the member-facing experience and card issuing as modules alongside your existing core. You launch a modern app without a core replacement project.

Can members see their home loan and offset account in the app?

Yes, as visibility and servicing rendered over your mutual's existing lending system and core — balances, offset and repayments in the same app as everyday banking. Kobble doesn't originate the loan or hold a credit licence for it; that stays with your mutual.

Can we offer insurance in the app?

Kobble doesn't underwrite or distribute insurance. What the app can do is surface your mutual's existing insurance partners as referral tiles, clearly labelled as partner offers, so members can start a quote without leaving the app.

Our digital team is small. What does delivery actually take?

The prototype takes minutes and needs no engineering. Going live is a configuration project on Kobble's licensed modules — typically around 8 weeks — rather than a multi-year build, so a small team can carry it.

How real is the prototype?

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

Can members send money overseas?

Yes — multi-currency wallets and international payments are live Kobble modules, so members can hold foreign currencies and transfer internationally from the same app.