What are savings pots?

Pots are virtual sub-accounts within the main account. Users create pots for specific goals (holiday, emergency fund) and allocate money. The round-up feature automatically moves spare change into a pot after each purchase.

How does P2P payment work?

Users send money to contacts by typing their username or phone number. The transfer is instant for other users on the same platform. The recipient gets a push notification immediately.

How is the virtual card issued?

Virtual card details (card number, CVV, expiry) are generated instantly on account opening via a card issuing API (Marqeta, Stripe Issuing). Users add the card to Apple Pay or Google Pay immediately.

Finance & Banking

Build a Neobank Application with AI - in Hours

ProjectCode generates a complete, production-ready Neobank Application from a single natural language prompt. In hours instead of months, you get a React frontend, NestJS REST API, PostgreSQL database, and authentication - fully integrated, live-previewed, and deployed to a URL you own.

Estimated build time: 2–4 hours

Build my Neobank now View pricing

Free to start · No credit card required

The Challenge

Why building a Neobank from scratch is hard

Building a Neobank Application from scratch requires months of development time and significant engineering resources. Teams struggle to coordinate frontend, backend, database, and authentication while managing neobank-specific business logic, integrations, and role-based access rules.

What's Included

Everything your Neobank needs

ProjectCode generates a production-ready Neobank with all the modules your team needs from day one.

Instant account opening with selfie KYC

IBAN/account number issuance

Spending insights with real-time category breakdown

Savings pots with round-up automation

Budgeting tools with overspend notifications

Peer-to-peer payments by phone number or username

Virtual card for online spending

Rewards and cashback on selected merchant categories

Architecture

How it's built

The generated Neobank follows production-grade architecture patterns.

React 18 + TypeScript frontend with role-based dashboards tailored for neobank workflows

NestJS REST API with dedicated neobank modules, DTOs, validators, and service layer

PostgreSQL relational schema with normalized tables for all neobank entities

JWT + Google OAuth authentication with granular permission gates per role

Real-time Socket.IO events for live neobank status updates and notifications

Managed hosting with one-click deploy, custom domain, and auto-SSL

Database

PostgreSQL schema designed for Neobank

ProjectCode generates a normalized, indexed PostgreSQL schema with the right tables and relationships for your use case. You own the schema and can evolve it freely.

accounts (id, user_id, iban, sort_code, account_number, balance, currency, tier, status, opened_at)
transactions (id, account_id, type, amount, merchant, category, direction, status, reference, initiated_at)
pots (id, account_id, name, target, balance, round_up_active, color, emoji, created_at)
p2p_transfers (id, sender_account_id, recipient_identifier, amount, note, status, initiated_at, completed_at)

schema.sql (preview)

-- Generated by ProjectCode
-- Neobank Application schema

CREATE TABLE accounts__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE transactions__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE pots__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

CREATE TABLE p2p_transfers__id (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
  -- ... auto-generated columns
);

Tech Stack

Production-ready from day one

Every generated app uses a battle-tested stack you can deploy anywhere and own completely.

Frontend

React 18 + TypeScript + Tailwind CSS

Backend

NestJS 10 + Node.js + TypeScript

Database

PostgreSQL (managed or Supabase)

Auth

Email OTP · Google OAuth · GitHub OAuth

Deployment

Managed hosting · Custom domain · Auto-SSL

AI Models

Claude Sonnet · Claude Opus · Kimi

Try It Now

Example prompt to get started

Copy this prompt into ProjectCode and get a working app in minutes.

ProjectCode prompt

Build a neobank app for millennials. Include instant account opening with selfie KYC, UK sort code and account number (or US routing and account), real-time spending notifications with merchant categorization, savings pots with a round-up feature, budgeting with monthly spending limits and alerts, P2P payments by username or phone, virtual Mastercard for online purchases, and a cashback program on transport and grocery spend.

Build this now - it's free

Deployment

Deploy your Neobank anywhere

Managed hosting

One-click deploy to a live URL managed by ProjectCode.

Custom domain

Connect your own domain with auto-provisioned SSL via Cloudflare.

GitHub export

Push to your GitHub repo and self-host or deploy via Vercel, Railway, or AWS.

Docker ready

Export a Dockerfile and docker-compose for any containerized environment.

Pricing

Start free, scale as you grow

No per-seat fees. No vendor lock-in. Token-based pricing that scales with your usage.

Free

Start building your first app. Live preview, managed hosting, and full code export included.

Token Packs

From $5

Purchase token packs that roll over every month. Build more, pay only for what you use.

Enterprise

Custom

Custom models, SLA, SSO, and private cloud deployment for large teams.

See full pricing details

FAQ

Common questions about building a Neobank

Users complete a 3-minute digital onboarding: enter personal details, take a selfie with their ID, and agree to terms. KYC verification runs in the background and the account is ready within minutes for most users.

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Build your Neobank in hours, not months

Start free. No credit card. Your first app is live in minutes.

Get started free