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December 8, 2025
Starting a digital banking platform has been very convenient with white-label Neobank apps. These ready-made solutions allow finance startups to go live quickly without creating a bank app from scratch. But the main question everyone asks is the cost. And let’s be real with you that you can not evaluate an exact development cost without a proper consultation and business strategy. Several factors influence the overall cost.
That’s why we have shared this guide that keeps everything simple and provides a detailed guide on the development cost of White Label Neobank App.
Cost Breakdown of White Label Neobank App Development
| Cost Component | Description | Estimated Cost |
|---|---|---|
| Development Services | Backend and frontend development | $20,000 - $50,000 |
| Design | UI/UX design | $5,000 - $15,000 |
| Third-party Integrations | Payment gateways, identity verification, etc. | $5,000 - $20,000 |
| Security Features | Encryption, fraud detection, compliance | $10,000 - $30,000 |
| Testing | Quality assurance and testing | $5,000 - $15,000 |
| Maintenance | Ongoing updates and support | $2,000 - $10,000/month |
| Regulatory Compliance | Licensing, legal fees | $5,000 - $15,000 |
| Marketing and Launch | Promotion, app store fees | $5,000 - $20,000 |
| Contingency | Buffer for unforeseen expenses | $5,000 - $10,000 |
The cost of building or white-labeling a Neobanking app really depends on how advanced you want it to be. On average, a solid white-label Neobank app may cost $57k to $150k, based on the features included.
- A simple version with basic banking functions could be around $35k–$55k and usually takes 3–6 months.
- A mid-range app with more features may cost $52k–$100k, taking 6–8 months to finish.
- But if you want a high-end Neobanking app packed with strong security and advanced tools, the investment can go up to $100k–$275k+.
Overall, the final price depends on things like platform choice, security level, features, and third-party integrations.
Key Features That Impact Neobank Development Costs
When you build a Neobank app, not every feature costs the same. Some features really make the cost go up, but they also make the app stronger, safer, and ready for growth. Below are the main features that influence how much it will cost to build your app, and why they matter:
🗹 Security & Data Safety
Protecting money and user info takes work. Things like secure login, data encryption, and fraud checks need careful coding and lots of testing. That makes the app cost more- but it also keeps user trust strong.
🗹 Banking & Payment Features
When your app lets people pay, transfer money, or manage accounts- that means linking with banks or payment services behind the scenes. These links and integrations cost more to build and test well.
🗹 Easy, Friendly Design and User Flow
A clean, easy-to-use design- where people find what they need fast- makes users happy. Good design takes time and effort, so it adds to the cost. But it also helps keep users coming back.
🗹 Legal, Compliance & Regulatory Work
Banks and finance apps must follow rules- check identity, protect data, follow laws. Making sure your app meets all rules means extra work. That adds to the cost, but skipping it can bring big trouble later.
🗹 Scalable Setup for Future Growth
If you build your app so it can grow- support more users, add features later- the starting cost might be higher. But this ensures you don’t need to rebuild later.
🗹 Good Support & Service Tools
Many users will expect help via chat, customer care, notifications, etc. Adding these tools increases development work. But good support keeps users loyal and builds trust.
Why Invest in a White-Label Neobank App Development
Choosing a white-label Neobank app gives you a head start, saves time, and helps you grow smarter. Here are some of the best reasons to go this way:
Fast launch with less cost
White-label apps let you get started quickly, much faster than building from scratch. This saves money and lets you launch before many others catch up.
Custom look and brand feel
Even though the base is ready, you can still make the app look like your own. You choose colors, logos, and features so your brand stands out.
Trusted tech and safety built in
Good white-label solutions come with proven security, regulatory features, and stable banking functions. That means users get safe, smooth banking from day one.
Easy to grow as you scale
As your users and services increase, the app can expand too. You don’t need to rebuild, just add more features or support more users easily.
Less worry about legality and rules
Many white-label app development process platforms already handle compliance, KYC/AML checks, and regulatory needs. This saves you headaches and helps keep your app legal and trusted.
Ongoing support & updates included
Instead of hiring big development teams, you get help from the white-label provider. They handle maintenance, updates, and backend work- you focus on growing your business.
Why Choose Richestsoft For White Label Neobank App Development?
Picking RichestSoft for Banking Software Development Services gives you a smooth and stress-free experience. Here’s why many businesses trust our team:
Strong Experience
Our team has worked in fintech for many years, so we know how to build safe and simple Neobank apps that match your business goals.
Fresh and Modern Ideas
We use new and smart technology to create apps that feel modern, smooth, and easy to use. This helps your app stand out in the market.
Full Customization
Your app will not look like a basic, ready-made design. We shape every part the look, features, and flow to match your brand and your needs.
Quality You Can Trust
We test the app carefully at every step. This keeps the app smooth, bug-free, and safe for your users.
On-Time Delivery
We respect your time and follow the plan closely. Your app gets delivered on schedule without affecting quality.
Clear Communication
You stay updated at every step. We share progress, discuss ideas, and make sure the final app matches your vision.
Conclusion
The Neobank app is a convenient and cost-effective method to enter the digital banking world. The features you want, the level of security required for your app, and the number of systems you intend to connect all affect the overall cost. While more features raise the cost, a basic software remains on the lower end of the spectrum.
However, let me tell you that teaming up with RichestSoft can help you develop a seamless, secure, and user-friendly Neobank app that supports your long-term growth and fits your budget with the correct strategy.
FAQ’s
Q1: How much does Banking App Development cost?
A: It depends on what you include. A simple app with basic features can start around US $35k–$55k. If you add more features, expect a higher cost.
Q2: How long does it take to build a Neobank app?
A: A simple Neobank app may take 3–6 months. More complex apps with extra features or integrations usually take a bit longer- maybe 6–9 months or more.
Q3: What features make the app cost more?
A: Features such as strong security, payment and banking integration, easy-to-use design, and legal compliance make the app more expensive. Also, backend development and frontend development add to the overall cost.
Q4: Can I invest in a white-label Neobank solution instead of building from scratch?
A: Yes. A white-label solution helps you start faster and costs less than building everything from scratch. You still get the main banking features without huge early costs.
Q5: Do I need good security and compliance for a Neobank app?
A: Yes, rock-solid protection and certified compliance help keep hackers away and build long-term credibility.
Q6: Is design and an easy-to-use interface important for users?
A: Users don’t want confusion. A well-designed UI reduces friction and increases loyalty.
Q7: What happens after the app is built — will I need maintenance and updates?
A: Yes, Regular improvements ensure smooth performance and user trust.
