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Altobanc

Banking-as-a-service infrastructure

Launch a branded bank account product without becoming a bank

Altobanc gives platforms deposit accounts, card issuing, and ACH rails through one API. Accounts are held at our chartered partner banks, so you launch without applying for a banking license.

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Accounts held at chartered partner banks

Accounts issued
1.8M+
Accounts issued
Platforms live
220+
Platforms live
Avg. launch time
10 weeks
Avg. launch time

Trusted by teams at

  • Pennywhistle Payroll
  • Harvestline Farm Finance
  • Dockside Freight Pay
  • Cobbler Commerce
  • Gigspring Marketplace
  • Tenpenny Contractor Pay

Platform

The full banking stack, without the chartering process

Altobanc handles the regulatory and banking partner relationships so your team focuses entirely on the product experience.

  • Branded deposit accounts

    Branded checking and savings accounts held at our partner banks. Eligibility for deposit insurance depends on the partner bank and account structure.

  • Card issuing

    Physical and virtual debit card issuing with real-time spend controls and rewards configuration.

  • ACH & wire transfers

    Same-day ACH and wire transfer rails built directly into your product without separate integrations.

  • KYC & compliance automation

    Automated identity verification and ongoing compliance monitoring handled through the platform.

  • Ledger & reconciliation

    Real-time ledger reconciliation across every account, eliminating manual reconciliation work.

  • White-label mobile SDKs

    Pre-built mobile and web SDKs for account opening, card management, and transaction history.

How it works

From API integration to a live banking product in 10 weeks

Most platforms move from initial integration to a fully compliant, live banking product faster than a direct bank charter application alone would take.

  1. Define your product

    Configure account types, card programs, and compliance requirements for your use case.

  2. API integration

    Your engineering team integrates our APIs and SDKs into your existing product.

  3. Compliance review

    Our bank partners and compliance team review the program before launch.

  4. Go live

    Launch your branded banking product with ongoing compliance monitoring included.

Fits into your existing product and engineering stack

Altobanc's APIs are designed to slot into platforms already built on modern infrastructure.

  • Plaid
  • Stripe
  • Twilio
  • Segment
  • Zendesk
  • Salesforce

Built on the compliance infrastructure of chartered bank partners

Every account and transaction runs through the compliance programs of our chartered bank partners.

  • Chartered partner banks
  • SOC 2-aligned controls
  • BSA/AML program support
  • PCI DSS-aligned controls

Pricing

Priced on account volume, with transparent per-transaction fees

No hidden interchange markups. Our fee structure is published and consistent across every customer at a given tier.

  • Launch

    $2,500/month

    For platforms launching their first banking product.

    • Branded deposit accounts
    • Card issuing
    • KYC automation
    • Standard support
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  • Most popular

    Scale

    $7,900/month

    For platforms with established banking products.

    • Everything in Launch
    • ACH & wire transfers
    • Advanced compliance monitoring
    • Dedicated implementation team
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  • Enterprise

    Custom

    For platforms with complex multi-product banking needs.

    • Everything in Scale
    • Custom bank partnership terms
    • Dedicated compliance officer
    • Custom SLA
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What platform leaders say

  • “We evaluated a direct bank charter path first. Altobanc got us to a live, compliant banking product in ten weeks instead of the eighteen months a charter would have taken.”

    Felix Andersen-Moya

    Co-Founder & CEO, Pennywhistle Payroll

  • “Their compliance team caught issues in our program design before our own legal counsel did. That partnership depth matters more than the API alone.”

    Zainab Kariuki

    VP Product, Gigspring Marketplace

  • “Real-time ledger reconciliation eliminated a manual process our finance team used to spend a full week on every month.”

    Lorenzo Pettinari

    CFO, Dockside Freight Pay

Frequently asked questions

No. Altobanc works through partnerships with chartered banks, so you launch a branded banking product without obtaining your own banking license.

See what a compliant banking product looks like in 10 weeks

Talk to our team about your specific banking product requirements before you commit to a build timeline.

Talk to salesBook a demo