Mbanq Cloud is a banking platform for fintechs, neobanks, embedded finance products, and software platforms adding financial services. It provides core banking, compliance, and operational management, with Mbanq operating the infrastructure and managing the compliance layer alongside the client's product. Operations and compliance users get a web Back Office, while IT users get a web Console; a template web banking application is also listed for bank clients. White label-ready mobile banking apps are available for iOS and Android. REST and GraphQL APIs provide access to core banking functions, and users can integrate third-party services or build extensions. Listed payment rails include ACH, Fedwire, SWIFT, RTP, Check 21 processing, and card issuing and acquiring. KYC and KYB capabilities include risk assessment, SSN verification, OFAC screening, document verification, and liveness checks. Security features include multi-factor authentication, maker/checker workflows, configurable password policies, and granular roles and permissions. Pricing is described as pay as you grow, with infrastructure, support, and operational costs included; no price is listed. Mbanq says it maintains PCI DSS compliance and uses bank-level security measures.
Who it is for
Mbanq Cloud is intended for fintechs, neobanks, embedded finance products, and software platforms that want to add financial services. Its Back Office, IT Console, APIs, and mobile apps address different operational and client-facing needs.
What is good
- Includes core banking and a ledger.
- Lists ACH, Fedwire, SWIFT, RTP, and card rails.
- Offers REST and GraphQL APIs.
- Includes KYC and KYB capabilities.
- Infrastructure and operational costs are included in the pay-as-you-grow model.
What to know first
- Pricing is on request; no amount is listed.
- Mobile apps are listed for iOS and Android only.
Verdict
Mbanq Cloud combines banking operations, compliance capabilities, payment rails, and mobile applications in a platform Mbanq operates. Pricing is pay as you grow, but the listed facts do not give a price.
Mbanq Cloud plans and pricing
All plansCompared on banking-as-a-service platforms
- Card issuing
- Yes
- Embedded accounts
- Yes
- KYC/AML tools
- Yes
- Ledger
- Yes
