Finally OfferCurrent Accounts
Without the cost and regulatory complexityThe modular platform for modern banking.
The Digital Imperative
Traditional institutions face mounting pressure from digital-first challengers
Legacy Systems
Dated platforms limiting enhancement delivery, creating operational bottlenecks and restricting innovation capacity
Digital Lag
Rising customer expectations for mobile-first, real-time journeys while institutions struggle with limited digital capabilities
Transformation Costs
Core banking modernization remains prohibitively expensive with high risk, complexity, and opportunity costs
Demographic Shift
Younger members migrating to challenger banks, threatening long-term membership sustainability
Regulatory Burden
Mandatory compliance changes consuming resources needed for customer-facing innovation
Brand Dilution
Past outsourcing approaches led to loss of differentiation and slow time to value
Our Solution
A modular platform that transforms every challenge into an opportunity
Digital-First Banking
Apple/Google Pay, instant notifications, spending insights. Features younger members demand.
Your Brand, Your Way
Your products, your pricing, your terms. Total control. Configure every aspect.
No System Changes
Our next-gen platform layers on top of your existing systems. No migration or replacement needed. True plug and play.
Zero Infrastructure Cost
No upfront fees. No development fees. No infrastructure costs. Pure revenue share - we succeed when you do.
Launch from 6 Weeks
Own branded mobile app and cards. Go from decision to live in weeks, not months or years.
Compliance Handled
AML/KYC, PSD2, Open Banking, Strong Customer Authentication. All included, always updated.
Plus: Unlock the £450 Billion Opportunity
UK current accounts hold £450 billion in low-cost deposits. Without current accounts, you're locked out of this pool. We make it accessible.
The Reality Check
Is this you today?
Every Day Without Current Accounts
Sound Familiar?
Your Members Have Two Banks
2026: Where Will Members Bank?
The Question Your Board Can't Answer
"If we're their trusted financial partner, why do members trust someone else with their daily banking?"
It's time to become their primary bank.
The Economics of Current Accounts
Transform your product range with zero upfront investment
Without Current Accounts
With Koodooka
How It Works
Choose Your Deployment
Join Koodooka, own brand mobile app, cards-only, or all combined
We Handle Everything
Infrastructure, compliance, cards, payments - all included
Launch in Weeks
Go live with own app from 6 weeks, not months or years
Grow Together
No upfront costs. Success-based pricing aligned with your growth
One Platform, Multiple Solutions
Deploy the way that works for your bank. Mix and match modules. Configure everything.
Own Brand App
Your bank, Your app, Our tech
Fully branded mobile app exclusively for your customers
Koodooka App
Multi-bank marketplace
List your branded current account on Koodooka app alongside other banks
Cards & Open Banking Integration
Fully managed or via API
Flexible integration options for cards and Open Banking services
Branch Banking Tools
Standalone web portal
Open Banking pull money facility (pay-by-bank) in branch - save £1000's monthly
Choose Your Journey
Select a journey from below or craft your own perfect deployment strategy
Quick Start
Web onboarding and branch tools
List on Koodooka app immediately
Ideal for: Small societies wanting instant results
Full Platform
Complete solution
Your Own app + Koodooka + cards
Ideal for: Banks and Building societies wanting complete digital presence
Enterprise
Custom deployment
Tailored to your exact requirements
Ideal for: Large building societies with specific needs
Don't See Your Perfect Path?
We'll craft a custom deployment strategy tailored to your exact needs
Join Our Founding Partner Programme
Test the impact of current accounts with zero risk.Own branded current accounts FREE for 1 year