Deposits

Deposits engine

The future
of deposits

Create, launch, and scale transactional accounts, savings, digital wallets, and embedded banking experiences on a cloud-native platform built for speed, growth.

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Trusted by leading banks and fintechs around the world

The legacy challenge

Real-time banking demands a modern deposits engine

Mambu replaces rigid core deposit systems with a configurable, API-first foundation built for real-time processing, faster product launches, and scalable operations.

Modernise, launch, and scale deposit products confidently

Modern deposits without legacy constraints.

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Launch deposit products at speed

Launch transactional accounts, savings, and term deposits in days, with flexible rates, fees, and account rules.

Simplify deposit operations

Automate interest, fees, statements, and reconciliation to reduce manual work and operational risk.

Scale digital deposits

Run personal, business, and embedded accounts on a single platform, from banking apps to wallets and partner channels.

Deposits with Mambu

One platform. Multiple deposits products.

Mambu supports personal, business, and stored-value deposits on a single cloud-native engine. So every balance, account, and wallet runs on the same trusted foundation.

Personal Banking & Deposits

Everyday accounts and savings, built for digital banking.

Current & savings accounts

Run current accounts, savings, and sub-accounts with configurable interest, fees, and account rules.

Cards & payments

Connect balances directly to cards and payment rails for everyday spending and money movement.

Customer-led banking

Support features like goal-based saving and multiple balances in one customer profile.

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Business Banking & Deposits

Accounts designed for cash flow, control, and scale.

Business current & savings accounts

Offer multi-currency business accounts with flexible pricing, interest, and account structures.

Segment-based pricing

Apply different fees, limits, and terms across SMEs, mid-market, and enterprise customers.

Cash-flow visibility

Use virtual accounts and real-time balances to support reconciliation and liquidity management.

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Stored Value Accounts &
Digital Wallets

Balances built for high-volume, real-time use cases.

Digital wallets & prepaid

Run consumer, merchant, and platform wallets on secure
stored value accounts.

Real-time transactions

Update balances instantly as money moves across cards, payments, and partners.

Embedded finance

Support in-app, marketplace, partner and demand-led
financial experiences.

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Why innovators choose Mambu for deposits

Configurable

Configure deposit products through rules and parameters rather than custom code, so accounts, rates, fees, and limits can evolve without long change cycles.

Composable

Connect KYC, payments, cards, and compliance services of your choice and change them over time without lock-in or monolithic constraints.

Built to scale

Run millions of accounts and high-volume transaction flows across markets with consistent performance and regulatory-grade reliability.

Customer stories

Leading institutions run
deposits products on Mambu

Read more customer stories

A European digital bank running current accounts and savings products on Mambu as it scales across multiple markets.

months to go
live on Mambu

countries is
Europe

4.8+

million revenue
customers

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Ecosystem

Composable
by design

Mambu sits at the core of your banking stack. Connect onboarding, KYC, scoring, payments, CRM, and servicing tools to orchestrate end-to-end journeys without lock-in.

Discover our partner ecosystem