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Digital Banking

Same bank on every surface

No feature that exists only on iOS. No screen that is a wrapped web page pretending otherwise. The API can do everything the app can do, because the app is built on it.

Open an accountBusiness platform
App rating
4.8 / 5
Cold start
0.9s
API uptime
99.99%
WCAG level
2.2 AA

Principles

Four rules we hold the software to

They are unglamorous, and they are the reason the app feels quiet.

Fast on a bad connection

Every screen renders from local state first and reconciles in the background. Budget: 1.2s to interactive on 3G.

Accessible by default

WCAG 2.2 AA across app and web, tested with VoiceOver, TalkBack and keyboard-only every release.

Parity across platforms

One specification, three implementations, one release train. Nothing ships to one platform alone.

API-first

The app consumes the same public API you do, so nothing is privileged or undocumented.

For developers

An API you can read in an afternoon

REST over HTTPS, idempotency keys on every mutation, cursor pagination and signed webhooks. Sandbox keys are available before your account is even open.

  • Versioned, never silently broken

    Breaking changes ship as a new version with a minimum twelve-month overlap.

  • Signed webhooks with replay

    HMAC-signed events, with a 30-day replay window and delivery logs you can inspect.

  • Idempotency everywhere

    Every payment endpoint accepts an idempotency key, so retries can never double-send.

  • Realistic sandbox

    Simulate declines, recalls, FX moves and webhook failures deliberately.

POST /v2/payments
curl https://api.nordhavenbank.example/v2/payments \
  -H "Authorization: Bearer $MT_KEY" \
  -H "Idempotency-Key: 8f1c-4d2a" \
  -d amount=125000 \
  -d currency=GBP \
  -d beneficiary_id=ben_3Kd91 \
  -d reference="INV-2291"

{
  "id": "pay_7Qm42",
  "status": "settled",
  "recall_until": "2026-08-06T09:41:04Z",
  "settled_in_ms": 3820
}

Performance budget

Numbers we refuse to exceed

A release that breaks a budget does not ship. These are measured on a mid-range Android device over a throttled connection, not a flagship on office wifi.

Enforced per release

Cold start to interactive
< 1.2s
Balance screen render
< 400ms
Payment confirm round trip
< 900ms
App download size
< 24 MB
Web Largest Contentful Paint
< 1.8s
Web JavaScript budget
< 180 KB gzip

FAQs

Questions, answered plainly

Next step

Try the platform, not the brochure

Sandbox keys are free and instant. Open an account and the same credentials work in production.

Open an accountSee business banking