What monetization models can be embedded into a neobank app?

by Abi on Jul 25th, 2025 12:47 PM

Developing a neobank app opens a wide array of revenue-generating avenues by capitalizing on digital banking's agility, scale, and data-driven capabilities. The primary income is generated from interchange fees derived from card-based transactions. The tiered subscription model enables the bank to monetize advanced features, enhanced limits, and dedicated support. Through credit products such as personal loans, overdrafts, and revolving credit, your neobank business can generate interest-based income. Companies can integrate investment portfolios and digital wallet solutions that allow monetization via advisory fees and commission structures. Choosing an app from the best neobank app development company can unlock revenue via partner-driven ecosystems, curated financial marketplaces, and compliant data insights.