Best Banking Software in China of 2025

Moxo

Moxo revolutionizes banking operations with its innovative Service Orchestration Platform, designed to streamline complex financial workflows. The platform's Moxo Flow feature enables banks to orchestrate seamless customer journeys, from account opening to ongoing service requests, within a secure digital workspace. Customizable workflow templates and native actions like digital signatures and document collection facilitate efficient, compliant processes tailored to specific banking needs. Moxo's robust integration capabilities ensure synchronization with core banking systems and CRMs, maintaining data consistency and enabling a holistic view of customer relationships. This comprehensive approach enhances operational efficiency, regulatory compliance, and the delivery of personalized, high-touch banking experiences in an increasingly digital landscape.

217 Ratings

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ABLE Platform

ABLE Platform is a multimodule web software that covers the entire loan origination and loan management processes. The following modules are included: - Landing page - to attract new borrowers. - Borrower portal - to serve actual borrowers. - Self-service portal - to manage the whole enterprise activity. - Back-office - the core of the platform to manage incoming loan applications, service disbursed loans, configure the loan product catalog, built-in dashboards and more. The platform automates the lending process throughout all the stages: - Initiation of omnichannel application - Consolidation and restructuring of debts - Negotiation with customers - Application decision-making - Personalized offers - Automation of the loan disbursement ABLE Platform serves any type of loan: - Payday Loan - Personal Loan - Point of Sale Loan (POS) - Buy Now, Pay Later (BNPL) - Mortgage Loan - Home Equity Loan - Auto Loan (Car finance) - Student Loan, etc

1 Rating

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Ondato

Ondato is a tech company that streamlines KYC and AML-related processes. We're providing advanced technological solutions for digital identity verification, business customer onboarding, data validation, fraud detection, and more. All of them meet the highest quality standards available for KYC online or offline onboarding for all business and customer types orchestrated from a single interface. We're turning compliance into a business benefit by creating a safer environment for organizations and individuals alike.

1 Rating

Starting Price: €149.00/month

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Macrobank Core Banking Software

Advapay

Advapay's Digital Core Banking solution empowers fintech clients or digital banks to start their businesses and accelerate digital transformation. The platform delivers all essential functionalities, a back-to-front system and a set of tools to customize and bring new integrations. Customers can connect either to the cloud-based SaaS or on-premise software.

1 Rating

Starting Price: 7000 EUR/month

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Doocat Banking

Energize Global Services

Doocat banking software is an advanced, comprehensive banking solution designed specifically for Microfinance institutions. The platform integrates four key modules—Core banking, Mobile banking, Agency banking, & E-commerce—each built on a robust microservices architecture. Doocat’s super-flexible structure allows for extensive configuration of features and settings, ensuring that the software can be tailored to meet the specific needs of each institution. Whether deployed on-premises or as a SaaS solution, Doocat adapts to the unique operational requirements and regulatory environments of different regions, making it an ideal choice for Microfinance institutions seeking a comprehensive, adaptable, and future-ready banking solution. The Core banking module ensures flexible, compliant operations. Mobile banking provides seamless account management on the go. Agency banking extends financial access via agents, and the E-commerce provides integrated online shops for small business.

1 Rating

Starting Price: $3000/month/5000 users

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Innoveo Skye

Innoveo

We believe you can build modern applications that deliver digital experiences and drive business growth without having to write any custom code. That's why it's our mission to empower enterprises in complex and regulated industries to re-imagine application development by enabling them to be connected, innovative, quick, and nimble. Backed by leading investors including Everstone Capital and Paulson & Co, Innoveo’s cloud based, AI enabled no-code platform is currently in production globally at over 30 industry leaders across insurance, financial services, healthcare and real estate. With Innoveo, you’ll get the solutions and industry expertise you want, plus a little extra: a thoughtful, no-nonsense experience delivered with a refreshing dose of honesty.

1 Rating

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SDK.finance

SDK.finance is a white-label core payments platform, serving as a backbone for building fintech products on top. Available in cloud PaaS and on-premise with the source code license versions, the platform caters to businesses of all sizes - from startups seeking affordable software to SMBs and enterprises that need scalability and independence.

Starting Price: Contact us

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Balance

Balance is the first self-serve checkout that accepts 100% of the B2B payment complexities - from milestone payments to net terms, wires to checks, SaaS subscriptions to automatic vendor payouts - and more: 🗒 API-first! Get at them docs 💳 Go beyond cards: Accept ACH, wire, card, and even checks 💨 Instant, Risk-free Net Terms: Your customers pay Net 30/60. You get paid instantly. 🔁 Recurring payments, made easy: Make recurring invoice payments as easy as recurring CC payments 🏢 Built for all B2B payment needs. Perfected for Marketplaces, Wholesalers, Merchants, SaaS and Service Providers. 🧍🏽‍♀️ Self-serve invoicing: Your customers can pull & pay their own invoices with a click 🏋️ Automatic reconciliation & collection: Isn’t it funny you’re still doing this manually?

Starting Price: $0

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ForwardAI

ForwardAI provides aggregated accounting and business data and is trusted by companies in 48 countries worldwide. ForwardAI’s technology makes it easy to gain more insight and control over financial information with a full suite of accounting data solutions for large enterprises like banks, lenders, and fintechs, as well as accountants, financial advisors, and small businesses. The Precise API facilitates modern enterprise and developer tech solutions, including powerful add-ons that proactively engage and retain business clients long-term. - Streamlined API with seamless white-label solutions - Connect with all leading accounting platforms - Process small business loan applications in seconds - Retain SME clients with engaging cash flow tools - Offer personalised loan options To learn more, visit ForwardAI.com.

Starting Price: First 25 Companies Free

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Swan

Upload your logo, pick your color, and set up a banking experience that looks and feels like your brand. We have everything to get you started without writing a single line of code. You can use Swan to create accounts for your customers. An account holder can be an actual human being ("natural person") or a legal entity such as a company or an association ("legal person"). All accounts are automatically assigned a main IBAN, but you can add virtual IBANs, too! Create and issue cards for your accounts in just seconds. Our Mastercards are digital-first and can be linked to Apple Pay and Google Pay. We believe that the good old plastic card will soon be a thing of the past, but we've got physical cards in stock too.You have everything you need for a standard bank account. You'll get a URL to a mobile-ready web app, so you can start inviting customers to open accounts straightaway. You don't have to create your own front-end if you don't want to.

Starting Price: €900 per month

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finAPI

finAPI is a secure and easy-to-use platform to connect companies, banks, and individual users. Our open banking API gives companies the possibility to access and analyze account data or even initiate payments on behalf of customers. We also offer support to banks and financial service providers with an XS2A server, which delivers a PSD2-compliant banking interface for TPPs. finAPI is flexible, adaptable, and always ready for the next challenge. We can help you to create innovative financial services that deliver real added value for you and your customers. Having easier access to data smooths innovation and process optimization. finAPI’s data intelligence modules enable comprehensive analysis of financial data including categorization, various cash flow, and risk reports as well as contract recognition. Data enrichment, artificial intelligence, and machine learning algorithms ensure the highest data quality and the best possible results.

Starting Price: €250 per month

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Solid

Instantly create bank accounts, offer crypto wallets, send payments, and issue cards to your customers. Solid offers a fully integrated & compliant suite of FinTech services. Integrate in minutes to build never-before-seen experiences. Solid's Banking as a Service (BaaS) enables companies to build and launch deposit products, such as business and consumer checking accounts. It includes the ledger, statements, and everything needed to create delightful banking experiences. Solid's Card Issuance and Management platform is the first of its kind. Issue cards are the modern way, to serve the needs of your customers, with one single API. Credit, debit, and prepaid cards, both in physical and virtual form factor, are all fully managed by Solid. Engage your customers with a light & powerful experience, in your product, with Solid's instant bank /account creation API. Issue branded physical and virtual cards instantly, with the spending controls they need with Solid's /card API.

Starting Price: Free

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Meniga

Our solutions make digital banking personal. Our award-winning digital banking platform helps to lead financial institutions to utilize data to meaningfully engage with their customers and develop new revenue streams. Through our market-leading consolidation, merchant mapping, and categorization technology, your bank gains valuable insights into the financial health and habits of your customers, while they too benefit from the automatic sorting of their transactions. Consolidate, enrich and optimize personal finance data for digital channel innovation. Discover new patterns and high-potential customer segments with audiences. Provide customers with access to their bank accounts and credit cards from other banks. Our digital banking APIs enable your bank to deliver innovative, engaging, and gamified banking solutions to your customers. Build long-term customer loyalty by providing a proactive and personalized financial coach.

Starting Price: Free

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FinCell

The easiest way to set up your mobile banking solution. Choose FinCell, a white-label solution for financial institutions that want a cost-effective and easily customizable mobile banking app. FinCell is based on open banking principles, ensuring effective integration with your core system through open APIs. FinCell’s information security and quality management are backed by ISO 27001 and ISO 9001, proving that all needed safety and compliance measures are integrated into a product. FinCell is developed by experts certified in CISSP, CDPSE, and CISA, ensuring best industry practices. Get your mobile banking app up and running in 2 months, FinCell offers pre-defined features, helping you to reach the market faster. Pay for what you actually use. FinCell works on a subscription-based pricing model, where fees are related to your customer base. Easily scalable FinCell helps you increase revenue, grow your customer base, and reduce churn rate.

Starting Price: Free

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Validis

Validis are transforming how global banks, lenders and accounting firms get data from their commercial clients. Validis connects to every major cloud and on-premise accounting software package of your customer. We then extract, standardise and deliver you their accounting data in real-time. Everything from debtors, creditors, P&L, balance sheet and more, all made available to you through a simple, clear interface or a single, intelligent API. The Validis platform maps the data from the accounting software into a standardised chart of accounts; meaning that every customer’s data will be in a consistent format for underwriters, relationship managers, analysts & decision makers. We build all the key, insightful financial reports, and ratios for you and ensure they are consistently formatted, dramatically improving your speed of review and credit decisioning.

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ICS BANKS

ICS Financial Systems

ICS BANK is a comprehensive banking and financial software solution that provides a modular menu to choose from and create your own customized system. ICS BANKS Universal Banking enables the bank to service its customers by providing essential digital features, utilizing facilities, and the latest technologies such as; Cloud availability, - Open APIs, Agency Banking, BPM, DMS, Artificial Intelligence and Robotics, Blockchain, Cash Management System (CMS), Chatbots, Smart Contracts, Cardless Payments, Customer onboarding, and Wearable Banking. ICS BANKS comprehensive touchpoints and omnichannel capabilities enable banks to have the opportunity in leveraging data and acquiring desired customer information at any time in any place. On the other hand, ICS BANKS supports AML, FATCA, and CRS whilst its holistic APIs connect to local and regional authorities for further regulatory and compliance processing.

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TrueLayer

TrueLayer is the leading technology company providing secure, global access to financial infrastructure. Developers use our APIs to build best-in-class products that securely access data and initiate payments in real-time. Founded in 2016, TrueLayer is connected to major banks across the world, backed by leading venture capital, and trusted by some of the biggest names in fintech including Monzo, Revolut, and Zopa. By making the power of open banking accessible through our platform, TrueLayer enables developers across any industry — from startups to enterprises — to reinvent financial services. TrueLayer is available in the UK, Europe and Australia. Easily integrate next-generation payments and financial data into any app. Build powerful products your customers love. Send and receive money on the fastest rails at the lowest rates with a first-class user experience. No cards. No fraud. No chargebacks.

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Weavr

Weavr.io

Unlock business growth without worrying about complex regulations, shouldering the compliance burden or managing data security as we handle that for you. Safely handle supplier payments or build a benefits programme your employees will love. Delight customers with digital gifting and make crypto PoS enablement safe and streamlined. Enabling everything from salary advances to compensation payments, built into your business. Supercharging B2B marketplaces and crowdfunding capabilities, all ready to plug-and-play. Up until now, adding financial services exactly where and when your customers need them has been tricky. Not anymore. Our ready-made, plug-and-play financial services offer unlimited use-cases with unrivalled simplicity meaning you can select the services you need and start adding value to your customers almost instantly.

Starting Price: $1,268.47 per month

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Fintech Market

All of our products are already connected with each other and can be used as a whole solution for providing financial services. Or you can use only some applications - most of the products are available also separately and can be integrated with other systems via API (JSON). The tool consists of CRM and configuration layer. The configuration part is meant for creating and managing customer servicing and lending processes, products, and workflows. The CRM part allows to serve customers, open accounts and create applications, send communication and make payments. The Banking solution works together with other applications (see below).

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Crassula

Create a fully-functioning digital bank in a matter of days. Whether you are launching your own banking or e-wallet or you want to seamlessly embed FinTech solutions into your product, Crassula Banking will get you covered. Companies that service business and private customers. Financial institutions that are reselling IBANs and payments. Currency exchange businesses. Telecoms, retailers, and crowdfunding companies that would like to open financial accounts for customers. All banking accounts are multi-currency and work for private, business customers and licensed financial institutions via API, web, and mobile interfaces. Issue and manage cards, process transactions, and set up fees, with multiple currencies supported. Offer your customers the freedom to buy online and offline, with virtual and plastic cards. Manage balances, currencies, chargebacks, and more within one service. Create your own eCommerce global payment gateway with Crassula.

Starting Price: Free

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Teller

One easy-to-use API to verify account details, move money, make payments, view transactions, and more. The easiest way for users to connect their bank accounts to your app. Teller provides your app with beautiful account enrollment screens that send all sensitive data directly to our secure servers, bypassing yours and leaving you one less thing to worry about. Teller connects to every bank using real APIs. Other providers mostly screenscrape, an extremely brittle and slow technique that means they have poor uptime, are slow, and return stale data. Teller provides live, up-to-the-minute bank data in a reliable and predictable manner. One easy-to-use API to verify account details, move money, make payments, view transactions, and more. See for yourself, run the request on the right by copying the command and pasting it into your terminal. Bank account connections you can rely on, are designed for your peace of mind.

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Cyclos

Make payments, browse your account history or find products are just some of the many online features. Interactive Voice Response: do payments, and get account and payment information by calling a number. Pay with our app to a printed QR code or generate a QR code on our app to receive payments. Clusterable solution with high availability, load balancing & caching. Strict implementation of security standards and guidelines such as defined by ISO 27002, PCI, and EBA. Security is the basis of the Cyclos architecture. Add payment fields and many rules to transactions, such as PINless payment thresholds, min/max transaction amount, allowed on selected channels and much more. Monthly contribution payments, demurrage, interest payments, flat or percentual transaction fees, and custom fee calculations with script extension point if needed.

Starting Price: €1,000 per year

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Vault

Launch your own fiat and crypto banking operations in just a few days and at a fraction of the cost of doing it on your own. Vault delivers a crypto-friendly secure banking platform for any business looking to provide their customers, agents, or employees with a complete payment ecosystem, under their own brand, with minimal hassle and the industry's best go-to-market pace. Individually segregated IBAN accounts to all users, no matter their country of residence (some restrictions apply). Vault clients that have their own crypto token can easily add them to the Vault ecosystem. Global payment solutions give access to a world of cryptocurrencies. Exit cryptocurrencies into traditional fiat currencies as easily as sending a bank transfer. Vault and its associated companies empower more than 1m+ users to access crypto, banking, and card solutions. Through Vault, our white-label clients can provide fiat, crypto, and payment card solutions to their users.

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Mambu

We enable our customers to build great banking experiences that their customers love; in a faster and more flexible way than ever before. Put Mambu at the core of your banking or lending architecture to create a customer-centric experience that you fully control. Our partner ecosystem and unique composable approach allow you to connect to independent services and solutions in order to build the differentiated and personalized financial offerings you need to keep up with changing customer and market demands. To be and stay competitive, you need a high-velocity operating model that is only possible with Mambu. Our go-lives are measured in days and weeks, not years. Plus, Mambu's low-code process, single code base, publicly available APIs and regular releases have you future-proofed, so you continuously iterate with zero disruption.

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Union | platform

Union Financial Technologies

Union | platform provides a digital core which supports smart automation, innovation and transformation. Modules including client records, messaging, deal management, payments, accounting and reporting allow you to manage critical business processes. Agile architecture which is open to API, customizable and Cloud hosted allows you to deliver effective operations. Union | platform supports a range of financial services including Banking, Credit Unions and Lending. Digital core provides fully integrated front-to-back infrastructure upon which financial services can be delivered. Cutting-edge technology means that your business will be flexible, scalable and efficient without sacrificing reliability. Financial Services is changing fast, from client requirements to market forces and technology the speed and scale of change are huge. Providers with legacy systems struggle while the digitally advanced gain competitive edge by delivering immediate and long-term benefits.

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Avaloq Core

Avaloq

Build your entire front-to-back office choosing from 70+ modules designed to serve the needs of every client segment. Your key operations (from accounts and payments to legal and risk) are handled swiftly, reliably, and in a compliant manner. Scale your operations quickly with our unified data model guaranteeing consistency throughout your organization, and implement core banking in as little as six months with standardized configuration. Enable your clients to trade cryptocurrencies themselves or provide your investment office with all the tools required to add digital assets to traditional client portfolios. Transform your banking capability with a core platform that saves time and money while reducing risk. Offer crypto trading for your clients and your advisors.

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Tier1 Financial Solutions

Tier1 Financial Solutions is a leader in global relationship management software for capital markets, corporate and investment banking and investment management professionals. We empower our clients to increase productivity, reduce relationship risks and enhance customer ROI. Tier1 delivers the tools, connectivity, and workflows that empower collaboration, transparency, and communication among capital markets participants and the clients they serve. Leveraging Salesforce’s trusted infrastructure and solid encryption, our extensible developer toolkit and plug-ins facilitate rapid custom application development with capital markets grade security, configurable coverage models and industry-specific business logic.

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Fusion Phoenix

Finastra

Most existing core banking systems were built in the 1970s, so their ability to integrate with emerging technologies can be cumbersome. New core vendors have yet to prove themselves in scope or reliability. Meanwhile, consumers expect products and services that fit continually changing wants and needs. Fusion Phoenix is the core choice. It is a modern core built entirely on Microsoft technology. That’s important because it means that as new technologies emerge, Fusion Phoenix can integrate with them with its progressive open API architecture. This allows financial institutions to take advantage of trends and opportunities quickly and more efficiently. Fusion Phoenix is for community banks and credit unions who are thinking about tomorrow, as well as today.

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Whizzapi

Savangard

Access to the full potential of open banking in one place. The Banking API aggregator allows quick integration with all banking APIs in Europe using a single interface. Fast and optimal connection to banking APIs without the need to take care of implementation differences between banks. With 6+ sandboxes built for our clients, we have gained experience that allowed us to create a solution that is quick and easy to implementation. We provide a connection to the API, and you can focus on your business. We can provide services as time-and-material staff outsourcing (engineers, architects, PMs) but we mostly deliver fixed-price projects with defined scope, timeframe and budget – also in the near shore model. This makes our services exceptionally effective and competitively priced. We’ve delivered over 5000 integration services and 1500 successfully integrated systems.

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Yapily

Yapily helps you deliver a faultless customer experience, while staying on top of an ever-changing Open Banking compliance landscape. Designed for open banking and delivering seamless connectivity. Only technology company to be selected by IBM for open banking offering. Reaching new markets and bigger volumes as open banking API’s are released. Using a single open API, you can access the data you need to enrich the end-users experience. From aggregating, categorising and enriching account information, to initiating payments and transactions, your business gains the visibility to offer personalised financial advice. By eliminating the technical barriers, Yapily enables any business to interact with customers using one seamless, secure connection. Banks, financial providers and developers have the building blocks to build, connect and monitor their own API’s for communication within minutes.

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Best Banking Software in China

Compare the Top Banking Software in China as of November 2025

What is Banking Software in China?