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Digital Banking

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 your digital transformation initiatives with best-in-class front and middle office transactional capabilities, and reorient your business to CX.

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Unparalleled online banking

Draw 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

You can issue virtual and physical cards, as well as control them and view activity in the case of suspected fraudulent behaviour.

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.

Drive profitable relationships

Easy, end-to-end, no-code billing

View detailed financial reports, and create and manage subscriptions and invoices. Automatically deposit billing fees in their designated revenue account. Access a marketplace of integrated products which deliver immediate profitable revenue from launch.

Market-leading compliance and regulation

In as little as 3 minutes, experience total digital onboarding powered by expert KYC, KYB, fraud, and transaction monitoring platforms, all connected to Toqio’s in-app onboarding. Manage your current account, users, and user cards on a secure and scalable platform.

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

What our customers say

"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

What our customers say

"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

What our customers say

"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