Whether you’re launching a neobank or digitising your financial services, we can help you to quickly deploy and bring banking propositions to market.
Accelerate the launch of your digital platforms, built around best in-class banking and payment rails, and deliver a market leading customer experience.
Request a demoDraw on next-generation banking to scale your business
Toqio delivers a digital current account which seamlessly integrates with a range of Fintech platforms, and provides intelligent, realtime acces to financial products.
Android, iOS and web banking
Multi Currency accounts
Domestic & International Payments
Expense Management
Multi-User and Multi-Lingual
Apple Pay and Google Pay
Experience consumer and business digital onboarding, accounting and CRM integration, and the ability to make both domestic and international payments—all on a single platform.
Wallets, account number, sort code, BIC, IBAN
Faster payments, CHAPS, SEPA, SEPA Instant, SWIFT
Application fraud and checks
PEPs and sanctions monitoring
Email, phone and device security checks
Biometric identity verifications
Full company reports, GDPR-compliant
PSD2 secure customer authentication
Success stories
"Our account product with Toqio and Railsbank is now launched and in soft roll out to friendly customers. As well as rolling out to existing customers we are developing a new offering that combines a revolving credit facility with an account for early-stage companies including those going through a pre-pack administration. Going forward we are looking to work with Toqio on their product development road-map to deliver enhanced customer information and integrated credit products."
Mike Smith, Executive Director of Banking, JCF
“We also have some ideas around bespoke features linking cashback rewards to charitable donations,” said Derek Stewart. “All in all, it’s an exciting time!”
Derek Stewart, Founder and CEO, Paysme
"Not having to employ highly skilled IT staff in an ever-changing technological world has been a massive bonus for us. It’s concentrated our focus on our strengths in marketing and sales and helped us serve our clients better, and meant we’ve not had to worry about keeping up with the latest IT trends and security measures."
Damian George, Founder and Director, Travel FX
Embedded finance enables any company to incorporate banking products such as lending, BNPL, payment services, wallets, and rewards direct into their customer experience as a service within their range—and without having to redirect users to a third party. That means they can integrate payments on their site so buyers need not enter their card details […]
Read moreTraditional onboarding sees new clients have to pencil a window into their busy schedules to visit you onsite, then spend hours signing documents, discussing company policies and procedures, and watching presentations. It can be a time-consuming and even frustrating process—but, accelerated by the pandemic, it’s no longer the onboarding of choice for most forward-thinking enterprises. […]
Read moreThe pandemic might have brought the importance of digital banking to the attention of a much broader array of customers—but it merely expedited a phenomenon that was already making waves among tech-savvy consumers and perturbing the incumbent banks. Traditional banking methods, whether in a branch, by phone, or at an ATM, lost much appeal during […]
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