How much does it cost to build a fintech app?
A fintech app for iOS and Android with accounts, transactions, payments and strong security starts from $54,000; a web version starts from $26,000.
| What | Price |
|---|
| Fintech app, iOS and Android | From $54,000 |
|---|
| Fintech web app | From $26,000 |
|---|
| Mobile banking app, many roles and systems | From $99,000 |
|---|
Fintech prices include the regulated-data step, which adds 20% for the security work: strong sign-in, encryption, audit logs and access controls. Payments add $3,000.
The rest of the price comes from the kinds of users, the screens and the systems the app connects to, such as banks, card processors or identity checks.
How much does a mobile banking app cost?
A mobile banking app with four or more kinds of users, 16 or more screens and connections to three or more systems starts from $99,000.
Banking apps need more roles (customers, support, compliance, admins), more screens (accounts, transfers, cards, statements, settings) and more connections (core banking, card processing, identity checks). That is why they start higher than a basic fintech app.
What makes fintech apps cost more?
Regulated financial data adds 20%, payments add $3,000, and each group of connections to banks or payment processors adds $3,000 or $9,000.
- Security and regulation: plus 20% for regulated data.
- Payments: plus $3,000.
- Connections to banks, card processors and identity checks: plus $3,000 for one or two, $9,000 for three or more.
- User roles and screens: two or three kinds of users multiply the price by 1.3, four or more by 1.6; 6 to 15 screens by 1.5, 16 or more by 2.2.
Payment processors and identity-check services charge their own fees, paid to those providers.
The security work in every fintech build
The 20% for regulated data pays for security built in from the first screen.
- Strong sign-in with a second factor.
- Encryption of data in transit and at rest.
- Access by role, so each person sees only what they should.
- Audit logs of every sensitive action.
- Card data kept with your payment processor where possible, which keeps most PCI DSS scope off your systems.
How to lower fintech app cost
- Start with a web app from $26,000 before building mobile apps.
- Use a payment processor's hosted payment fields so card numbers never touch your servers.
- Connect one or two systems at launch: they add $3,000, while three or more add $9,000.
- Launch for one kind of user first, such as borrowers or investors, then add the rest.
What to have ready before you ask for a quote
- Who uses the app, and what money moves between them.
- The banks, card processors or identity-check services involved.
- The regulations you already work under. We build to them; your legal team confirms them.
- Web, iOS, Android, or a mix.
- The reports or statements users need.
What fintech apps connect to
Most fintech apps are built around connections to financial services, and those connections drive the price.
- Bank account linking, to read balances and transactions.
- Card and payment processors, to take and send payments.
- Identity verification (KYC) services, to check who a user is.
- Your own systems: CRM, accounting, loan servicing or core banking.
One or two connections add $3,000 and three or more add $9,000. The providers charge their own fees, which you pay to them directly.
Budgeting and personal finance apps
A budgeting or personal finance app for iOS and Android, with two or three kinds of users, 6 to 15 screens, bank account linking and the security work for regulated data, starts from $50,500.
Add payments and it becomes a full fintech app, from $54,000.
Fintech compliance: what the build covers
We build the security controls into the software: strong sign-in, encryption, access by role, audit logs and card data kept with the payment processor.
Licenses, KYC and AML policies and the relationship with your regulators stay with your company and your legal team. Tell us the rules you operate under, and the build follows them.
How we price fintech apps
Each project type has a starting price. Two or three kinds of users multiply it by 1.3, four or more by 1.6. A first version with 6 to 15 screens multiplies it by 1.5, and 16 or more screens by 2.2. Connecting one or two systems adds $3,000, three or more adds $9,000. Payments add $3,000, moving data from an old system adds $4,000, and regulated data such as HIPAA adds 20%. The top of the range is twice the bottom.
Prices updated October 2026.
