Built for developers, coveted by strategists

Our modules provide flexibility and scalability


The complete banking solution

Companies can now take control of their user-facing financial services through Spend’s robust and secure financial solution. We’ll keep adding new features so your apps can always be best in market.

Scale confidently

Our nationwide network of over 800 community banks removes single point of failure and enables massive scalability. Securely store up to $100B in deposits, with up to $100M in FDIC insurance per user.

Designed to be profitable - for you

We’ve built our entire business model upon enabling your success. With lower costs and dramatically higher revenues than traditional solutions, you can turn a cost center into a revenue generator and keep driving user growth and engagement.


Real accounts, total

Checkless DDA and savings accounts with live routing and account numbers. Full FDIC insurance on every account. Open one account per user, or as many as you’d like.

Learn more about our accounts feature


Debit cards taken to the
next level

Your company’s branding and maximum design flexibility for virtual and physical cards.

Learn more about our cards feature


Payments, reimagined

Your apps make rapid decisions. Moving money shouldn’t slow you down. Whether you are an automated wealth advisor, a personal lender, or just need to move money, use Spend to remove payment friction and add powerful functionality into your core products.

Learn more about our payments feature


Our data helps make you
and your users smarter

Use our batch data for your ETL warehouses or our real-time messaging bus to feed notifications and live engines.

Learn more about our data and control feature

The full-stack financial toolkit
with open API’s

We enable companies to rapidly build and
scale financial products by bringing
together modern core technology,
multi-currency distributed deposit platform,
and strategic bank relationships.


Comprehensive API

Connecting to the Spend Business SDK gives you a full suite of access to run your application. Check out the API Library by clicking below.


API Library 


Scalability in Mind

Our 99.9% uptime and scalable interface allows from the simplest to most complex applications to be designed on our platform.


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Organized in The Cloud

Access services on the go and around the world. Spend’s Secure Cloud Management Portal enables approved devices full access on the cloud.


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Build a Powerful Application

Spend Business offers affordable and highly customizable banking solutions that allow you to easily launch profitable banking features now and in the future.

Program Management

Let Spend help you launch your next banking or card program with the tools needed to get you into production quickly!

Checking & Saving Accounts

Offer secure banking services through robust DDA, savings, and FBO accounts.

Prepaid, Debit & Credit Cards

Issue virtual or physical debit cards with full transactional potential.

ACH, Wire, SEPA, EFT, & Card Payments

Simplify and improve user bill pay, payments, and more. Build your own

Data & Control

Use our exclusive data as an input into your product ecosystem. Build your own

Digital Assets & Currencies

Create a Digital Wallet for your own coin, smart contract to launch a service, or a combination of payment and account services for your digital currency business.

REST API lets you build for today,
tomorrow, and the future

Code in any language, build on any device, and stay cutting-edge as we evolve our platform to meet tomorrow’s needs.

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See how Spend solves complex challanges

We’ve helped companies of all shapes and sizes solve problems and build the future of money

Read More


Learn more about Spend

See how StoneCastle and Q2 are empowering the next generation of banking-as-a-service

Read More

Not sure where to start?

Spend is here to help at every step of the way. When you sign up with us your success becomes our priority.

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