Deposits
Consumer
banking & deposits

Power current accounts and savings on a cloud-native deposits platform built for real-time balances, digital channels, and high-volume transaction scale.
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Trusted by leading banks and digital financial institutions worldwide
The modern consumer
Consumers expect seamless, real time banking across every channel

Mambu enables real-time stored value accounts and wallet infrastructure that launches faster, powers digital-first experiences, and scales embedded finance globally.
Why banks & fintechs choose Mambu for consumer deposits
A cloud-native deposits engine built for high-volume banking and deposits, powered by API-first banking architecture.
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Launch faster
Configure and evolve current accounts and savings with flexible interest, fees, and overdraft logic without long release cycles.
automate servicing

Automate account servicing
Automate interest posting, fees, statements, notifications, and lifecycle events across millions of accounts.
scale banking

Scale digital banking
Support mobile channels, onboarding, and integrations with cards, payments, and analytics tools with consistent performance.
Consumer banking & deposits
Everything you need to power personal banking and deposits
Configure consumer banking products, automate servicing for current accounts and savings, and connect payments and digital channels on one cloud-native, API-first deposits engine.
Capabilities

Flexible consumer banking

  • Current accounts, savings, and fixed or term deposits
  • Configurable interest rates, fees, and tiered pricing
  • Goal-based, structured, and fixed-term savings
  • Optional overdrafts with defined limits and controls
Lifecycle

Automated servicing and lifecycle management

  • Automated interest accrual, posting, adjustments, and fee management
  • Lifecycle workflows for account opening, updates, freezing, and closure
  • Rules-based personal deposits, withdrawals, and balance controls
  • Real-time reconciliation with audit-ready transparency
Integration

API-first consumer banking

  • RESTful APIs to orchestrate front-end and back-office user journeys
  • Event-driven workflows for real-time updates
  • Integration with mobile banking and digital channels
  • Connectivity to KYC/AML, CRM, accounting, and third-party services
Payments

Integrated payments, cards and money movement

  • Optional debit card issuing and processing integrations
  • Direct debits, instant payments, repeat orders, transfers
  • Access to payment schemes via Mambu Payments
  • Real-time transaction updates and reconciliation
Customer stories
Leading institutions run consumer banking
on Mambu’s cloud-native platform
Read more customer stories
A European digital bank running current accounts and savings products on Mambu as it scales across multiple markets.

4
months to go
live on Mambu

24
countries is
Europe

4.8+
million revenue
customers
Learn more
Deposits products
One platform. Multiple banking models.
Consumer banking is one part of a broader deposits strategy. Mambu supports personal, business, and stored value models on the same core platform.
Explore Deposits
banking and deposits

Business banking & deposits
Support scalable business accounts, multi-entity structures, and tools to manage working capital.
Learn more
reduce effort

Stored value & digital wallets
Power digital wallets, prepaid cards, and multi-pocket stored value experiences at scale.
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Insights
Insights to power modern banking experiences

Let's get started
Move forward
with Mambu
Clear next steps for organisations ready to modernise, scale, and build the future of finance with confidence.

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See Mambu in action.
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Discuss your goals and approach.
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