Business Banking

The banking tools for innovative businesses.

Overcome the challenges of serving small and medium-sized enterprises with Layer’s business banking solution.

Engage and connect.

Connecting Business Banking solution across cash, trade and lending.

Platform features

Business banking essentials and more.

A perfect blend of traditional and neobank business banking capabilities. All on a single platform that works seamlessly across any device.

Deposit account

Standard deposit and transaction account that supports a wide range of services.

SME Onboarding

Digitally onboard into a bank without any – or minimal – manual intervention, including KYC/AML checks.

Different Business Types

Different configurations for different SME sizes, from sole trader to larger SMEs.


Send and receive payments easily at a touch of a button.

Debit cards

A variety of debit card options with contactless payments.

Virtual cards

Offer single-use cards to your customers when shopping online for extra safety.

Expense cards

Fully configurable expense cards with built-in rewards.

SME Loans

Offer and manage secured SME loans from one dashboard.

FX accounts

Allow your customers to pay like a local and get favourable exchange rates.

Transaction Management

Enable SMEs to run control payments with multi-signatory capability with different limits and permissions.


Money management with spending analytics and insights.

Cards Management

Enable SMEs to run control managed expense cards with different limits and permissions.


Innovation Studio.

The Layer Innovation Studio allows you to easily create any user experience you want without the need for any dev work.

Unique user experiences

Granular user segmentation.

Layer Customer Segmentation is based on customer data within the Layer Data Warehouse. Customer data points such as demographic information or financial behaviour, enable Layer clients to define and create customer segments within the Layer Console.


Layer marketplace.

The Layer Marketplace allows you to easily integrate with innovators and market-leaders to extend your digital bank on our platform.

Customer Reviews

Delivering success

We did a thorough digital banking platform evaluation across the global market and found Layer to be the best platform, considering advancement in technology, richness of features, lowest TCO and speed of implementation.

Akosa Onyebuchi

Akosa Onyebuchi

Group CIO – UBA Bank

No more restrictions

A platform that allows bankers to be creative again.

As a trusted partner for banks around the world, Layer’s banking platform helps financial services companies reduce cost, compete with new challengers and above all…innovate. 

Reduce cost

Reduce cost

Dramatically reduce Opex across your entire organisation.

Become digital

Become digital

We digitise the entire banking stack to allow you become purely digital.



Build amazing products using our Experience Studio module.

Our platform supports over 25 million customers globally in 5 languages.

layer clients

Transform your bank without touching the core.

Schedule a 30 minute call and we’ll show you how.

The open banking engagement platform for innovative digital financial institutions and brands.