What’s the average cost to build a neobank app in 2025?

[santhosh kumar]

The average cost to build a neobank app in 2025 typically ranges from $14,000 to $85,000+, depending on the scale, features, and compliance requirements.

Here’s what affects the cost:

1. Core Features – Digital onboarding, virtual cards, transaction history, P2P transfers, etc.
   
2. Backend Setup – Whether you're integrating with a BaaS (like M2P, Synapse, or Galileo) or building a custom core.
   
3. Security & Compliance – KYC/AML, PCI DSS, and local regulatory needs can add significant cost.
   
4. UI/UX and Platform – Web + mobile app design, admin dashboards, and customer support systems.
   
5. Time & Scalability – A faster launch and higher scalability usually require a larger team and more resources.
   

At Fourchain Technologies, we’ve built lean neobank MVPs starting from around $14,000, covering essentials like onboarding, wallet systems, and transaction modules. Full-featured builds with advanced integrations and compliance support can go significantly higher.
If you're planning one, feel free to reach out—we offer free consultations and can help break down the cost based on your exact goals.