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Banking Startup Ideas

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This startup wants to build a new type of credit card for the underbanked, especially in developing countries. It takes the form of a prepaid card and is available in any currency. Given the lack of banking options in many such countries, the startup sees a lot of potential for growth.


The startup was founded in May with the goal of making banking more accessible in the US.


Provenance is a food tracking app, that has been billed as a startup that’s trying to get food to the same level of transparency as it has in other industries like banking or ride sharing. It’s a bit like the app Just Eat, but for food.


A company that helps open banking startups with their APIs and developer framework.


A startup that aims to make banking better for the underbanked in emerging markets.


Polite.com is building on the idea of “time banking” — people who trade their time for other people’s labor. They have a number of products that do this, including a new one that pairs people with tasks and then allows them to track their work.


A money transfer service where people can send money to family members without having to deal with the banking system.


This startup is building a mobile banking platform that will allow small business to accept payments from their customers easily through their SIM cards.


This startup is building a digital banking platform for the developing world, enabling mobile banking across all of Africa.


A startup that wants to bring a similar UI to the world of online banking, except that instead of generic banks, the startup offers a wide array of financial products.


This startup is building a digital assistant that allows employees at real estate companies to do banking, scheduling, and other tasks from their phone.


A mobile-first banking app, with a focus on individuals in emerging markets. The startup wants to empower the unbanked in emerging markets.


The startup is working on a new type of mobile banking that’s mobile-first, and designed to provide easy access to traditional banking services like check deposits, bill pay, and direct deposit.


A startup that wants to make the “banking process” easy for millennials. The CEO says that half of millennials don’t have checking accounts, and another third don’t have credit cards. They want to do for banking what Mint did for personal finance.


A startup that aims to make online payments seamless for millennials and other young people who are not interested in traditional banking It is now part of PayPal


This is a startup that wants to help people save money on banking fees by sharing account information with other banks.


A tool for managing your personal finance. It’s a one-stop-shop for all your banking and insurance needs, as well as a platform for your investments.


A startup that combines online banking and personal assistance so that people can get help with their finances


A startup that helps sales reps in the insurance and banking industries better understand their clients.


A company that helps build technology for banks to provide online banking through telepresence. A few months ago, it was reported that Facebook was looking to invest in VR company Magic Leap to help make this possible.


BridgeCoin is a cryptocurrency-based lending platform that is “an alternative to the traditional banking system.”


An API and a mobile app for Paypal. The startup aims to let Paypal users create personal online banking accounts and hold them in one place.


Another digital banking app for Brazil, offering a new way for micro-businesses to manage their financials.


A company that uses machine learning to create products that help senior citizens with activities of daily living, such as shopping, banking and making phone calls.


The company aims to be a “banking for millennials” that offers high-yield savings accounts. It’s a way for younger consumers to build their savings without having to pay a premium for the privilege.


A software company trying to solve the problems with digital payments in developing markets, where mobile banking is still a novelty. The startup wants to provide a solution that’s simple, easy, and secure.


Inspired by the Robinhood phone app, a startup wants to build a digital banking app for millennials that will not only give them the ability to check their account balances, but also update and deposit checks.


A new kind of digital wallet that helps people plan and track their finances, manage their spending, and get support from their bank. The startup wants to be a “one-stop shop for financial services” that includes a portfolio, banking, investing, and insurance.


A startup that uses Microsoft Azure to help banks and other financial institutions build their own online banking services.


A company that helps companies in developing countries get banking services. They’re currently in talks with several banks in India.


 A new kind of e-banking system for Latin America, which is designed to improve the experience of active bank customers. The company plans to launch in Brazil in the next few months and expand thereafter.


SaaS that brings mobile banking to underbanked businesses, with a freemium model that starts at $20 per month. It offers a mobile app with check-deposit functionality, but also wants to build out a premium platform for mid-sized businesses.


A B2B “banking for business” startup that helps clients with business banking needs, including payroll, invoice financing, and other financial services.


The other factor is the service-based nature of B2B companies. B2B companies typically spend on services, such as accounting or legal services. The most common B2B service businesses include accounting, banking, and legal services. B2B marketing startups are therefore more likely to be targeting B2


A company that allows people to create customized “banking services” for themselves, from getting their paychecks directly deposited to arranging overdraft protection or making payments online.


A startup that wants to build a decentralized banking system. The founders say that banks are creating systems that are too expensive and too clunky to be used, and that the market is underserved — especially by credit cards, which are used by everyone in the world, but for which there’s no good way to transfer money across borders.


A digital banking platform for Puerto Rico, bringing a mobile-first approach to the island.


A company that’s building a framework for a fully decentralized digital banking network, a system that would be made up of a network of independent, local banks.


A digital banking app for the unbanked in Latin America. The startup is building the “first true digital bank for the unbanked”, working on integrations with traditional credit unions and banks.


A new electronic banking system for low-income consumers in Mexico.


A startup that wants to make banking more like social media. The startup is building a “challenging” banking experience that integrates notifications, product recommendations and social aspects. A new way to bank that would be more like checking your Facebook stream for information and then making a purchase.


A startup that wants to make “banking for the world’s poor” easier by providing access to financial services.


A text-based banking app that helps users make secure payments, like transferring money into a friend’s bank account.


An open banking platform that helps banks understand their consumers.


A platform that helps people with no access to banking services, get small business loans and savings accounts. They’re a nonprofit and are building a platform to help people build their own financial products and have it administered by a bank, thus making it more accessible.


A “mobile-first, paperless” way to handle banking


A money management app for the underbanked that allows them to perform all their regular banking tasks in one app.


A banking app for the unbanked in India


This startup is building a banking app for small businesses. The app allows small companies to open bank accounts and use the tools of the bank directly.


This company helps finance companies with banking relationships automate their back office operations.


An API for the financial sector to allow bank customers to automate banking, track transactions, and have their data centralized


This is a mobile-first banking app for Latin America that wants to help customers manage their credit cards and manage their finances by aggregating and integrating all of a person’s financial data.


A consumer mobile banking mobile app for the developing world. It’s meant to bring mobile banking to consumers in places where banking infrastructure isn’t robust, and where there are often mobile networks that are poor quality or nonexistent.


A startup that helps credit unions develop an online banking platform.


A way for users to text their banking info to the bank so they can more easily configure their accounts.


Walnut Ventures is building a digital banking alternative that is designed to be a bank for the unbanked.


A micro-banking startup focused on helping the unbanked in low-income, remote areas of rural Kenya.


A startup that helps people in India establish a bank account. The service aims to be user-friendly for people who don’t have a bank account. The team also says that it’s working with the government to digitize all government records to make banking easier.


A tool for businesses to plan and manage their expenses and make them more accurate. It pulls in data from other services like Salesforce, Google Docs and more, so you can plan an expense with a spreadsheet and see it instantly reflected in your online banking.


Idea: A mobile-only banking app to help Latinos in the US save money


Idea: Two-factor authentication for banking. The founders say that banks are terrible at protecting their customers’ information, and that they can do a better job with two-factor authentication.