Build Any Custom Financial App in 7 Days with https://gobeller.uk – No Coding Required
You have a vision. Maybe it is a digital bank. Maybe it is a mobile money app for your community. Maybe it is a cooperative thrift collection platform, a bills payment aggregator, or a savings and loan app.
But there is one problem: building financial apps from scratch takes months, costs millions, and requires a team of developers you don’t have.
What if you could launch a fully customized financial application under your own brand in just 7 days?
That is exactly what Gobeller makes possible – not just for loan apps, but for almost any type of financial application you can imagine.
And now, with Gobeller as a Service (GaaS) , you don’t even have to manage the infrastructure. We handle everything. You just focus on growing your business.
What Is Gobeller?
Gobeller is a complete, white-label financial application platform. Think of it as a powerful engine that already does everything a modern financial app needs to do. You simply add your brand, configure your products, and launch.
The best part? You don’t write a single line of code.
| What You Get | Description |
|---|---|
| Fully customizable UI | Your logo, your colors, your app name, your domain |
| User management system | Registration, KYC, profile management, security |
| Wallet & ledger engine | Deposit, withdraw, transfer, hold funds |
| Payment gateway integration | Collect money from customers via multiple channels |
| Smart Sweep repayment | Automated debit from multiple customer accounts |
| Admin dashboard | See all transactions, users, and reports in real time |
| Mobile apps (iOS & Android) | Ready to publish on app stores |
| Web app | Also works on desktop browsers |
Introducing Gobeller as a Service (GaaS)
We understand that every business has different needs. Some want full control over their infrastructure. Others want a hands-off experience where we manage everything.
That is why we now offer Gobeller as a Service (GaaS) – two flexible delivery models:
| Delivery Model | What It Means | Best For |
|---|---|---|
| Cloud / SaaS (Standard) | We host and manage your app on our secure cloud infrastructure. You pay a monthly subscription. | Startups, small businesses, anyone who wants to launch fast without IT overhead. |
| Standalone / On-Premise | We install and host the app on your own server (your cloud or your data center). One-time setup fee + optional maintenance. | Banks, large enterprises, government agencies, businesses with strict data sovereignty requirements. |
Why Choose Gobeller as a Service?
- No infrastructure management – We handle servers, security, backups, and updates.
- 99.9% uptime guarantee – Your app stays online.
- Automatic scaling – As your users grow, the system grows with you.
- Regular feature updates – You always have the latest capabilities.
- Dedicated support – Your success is our success.
Standalone / On-Premise Option – Full Control
For clients who cannot or do not want to use shared cloud infrastructure, we offer a standalone deployment option .
What happens in a standalone deployment:
- You provide the server environment (your own cloud account like AWS, Google Cloud, Azure, or your own data center)
- Our team handles the complete installation and setup
- We configure everything – databases, APIs, security, SSL certificates, and app stores
- We hand over full control to you
- You own the instance completely
What you get:
- Full source code access (optional, at additional cost)
- Your own database (no data sharing with other clients)
- Your own infrastructure (no dependency on our cloud)
- Complete data sovereignty (data stays on your servers)
- Custom SLA and support contract
Pricing for Standalone:
- One-time setup fee: Custom quote based on your requirements
- Optional annual maintenance & support: Custom quote
- No monthly per-user fees (you only pay for your own infrastructure)
Example: A large bank with 2 million customers wants a digital banking app but cannot put customer data on a shared cloud due to regulatory requirements. They choose the standalone option. Our team spends 2 weeks installing and configuring Gobeller on the bank’s private cloud. The bank pays a one-time fee of ₦X million and now runs its own digital bank app independently.
7 Types of Financial Apps You Can Build with Gobeller
Gobeller is not a one-size-fits-all product. It is a flexible platform that can be shaped into many different types of financial applications. Here are the seven most powerful use cases.
1. Digital Bank App
What it is: A fully digital bank that customers can join from their phones. They can open accounts, deposit money, transfer funds, pay bills, and access other banking services – all under your brand.
Key Features You Get:
- Customer onboarding with BVN or NIN verification
- Tiered account levels (basic, silver, gold) with different limits
- Virtual account numbers for each customer
- Fund transfers to any bank (NIP, Transfer)
- Deposit via bank transfer, card, or cash at agents
- Transaction history and statements
- Spend analytics and budgeting tools
Who Should Build This:
- Fintech startups wanting to launch a neobank
- Microfinance banks moving to digital
- Community banks serving a specific region or group
- Companies wanting to offer banking to their employees
Example: A transportation company launches “Mobility Bank” – a digital bank for drivers and transport workers. Drivers receive fares into their virtual accounts, can transfer to family, pay for fuel, and save for vehicle maintenance.
How to Customize:
- Set your own account tiers and limits
- Choose your transaction fees (or offer free transfers)
- Design your card (virtual or physical)
- Set savings interest rates
2. Mobile Money App
What it is: A mobile money platform similar to popular services where users can store value, send money to others, buy airtime, pay bills, and cash out at agent locations.
Key Features You Get:
- Mobile wallet with unique wallet ID or phone number linking
- Peer-to-peer (P2P) transfers between users
- Airtime and data purchase for all networks
- Bill payments (electricity, TV, internet, water, taxes)
- Agent network management (deposit and withdrawal points)
- QR code payments for merchants
- Cash-in and cash-out via bank transfer or agent
Who Should Build This:
- Entrepreneurs in emerging markets with low banking penetration
- Telecom companies wanting to add financial services
- Community organizations serving unbanked populations
- Existing agent banking networks wanting their own app
Example: A rural cooperative launches “VillagePay” – a mobile money app for farmers. Farmers receive payments for crops into their wallets, buy seeds and fertilizer from participating merchants using QR codes, and send money to family members instantly.
How to Customize:
- Set your wallet limits (tiered by KYC level)
- Choose your transaction fees model
- Recruit and onboard your own agents
- Set your own biller integrations
3. Bills Payment App
What it is: A dedicated app where users can pay all their bills in one place – electricity, water, cable TV, internet, school fees, taxes, and more. You earn commission on every bill paid.
Key Features You Get:
- Multi-category bill payment engine
- Auto-save frequently used billers
- Scheduled bill payments (never miss a due date)
- Bill history and receipts
- Split bill payment (multiple people contribute)
- Bulk bill payment for businesses (pay multiple customers’ bills)
- Referral rewards for bringing new users
Who Should Build This:
- Entrepreneurs wanting a bill payment aggregator business
- Existing retail stores adding digital bills payment
- Real estate companies collecting service charges from tenants
- Schools collecting fees from parents
Example: A property management company launches “RentPay” – an app where tenants pay rent, utilities, and service charges in one place. Tenants can also buy airtime and pay for cable TV. The company earns commission and improves rent collection.
How to Customize:
- Choose which billers to integrate (we support major providers)
- Set your service fees (or offer free payment to attract users)
- Add custom bill categories (e.g., “school fees”, “association dues”)
- Enable bulk upload for businesses
4. Cooperative and Thrift Collector App
What it is: A digital platform for cooperatives, thrift savings groups, rotating savings associations (ROSCAs), and contribution groups. Members can make regular contributions, request loans, track savings, and receive payouts – all transparently.
Key Features You Get:
- Create multiple groups/cooperatives under one app
- Member management with contribution tracking
- Automated thrift collection (daily, weekly, monthly)
- Loan application and disbursement within the cooperative
- Smart Sweep for automated loan repayment from member accounts
- Payout scheduling (end-of-cycle lump sum payments)
- Group chat and announcements
- Transparent ledger that all members can view
Who Should Build This:
- Cooperative societies moving from paper to digital
- Thrift collectors managing multiple groups
- Employers running staff savings schemes
- Community leaders organizing contribution groups
- ROSCA organizers (like “esusu”, “ajo”, “stokvel”)
Example: A large market association launches “MarketCollect” – an app where traders contribute ₦1,000 daily to their thrift. Each month, one trader receives the full payout. The app tracks who has paid, who is late, and automatically reminds members. The association also offers small loans to members using Smart Sweep for repayment.
How to Customize:
- Set contribution frequencies and amounts
- Define cycle lengths (e.g., 30 days, 90 days, 1 year)
- Choose payout methods (winner-takes-all, rotating, equal share)
- Set loan terms for members
- Enable or disable interest on loans
5. Savings and Loan App
What it is: A pure savings and lending platform where users can open savings plans (fixed or target savings) and also access loans based on their savings behavior. This is popular with both individuals and small businesses.
Key Features You Get:
- Multiple savings plan types (fixed deposit, target savings, lock savings)
- Automated savings deduction from linked bank accounts
- Interest calculation and crediting
- Loan application engine
- Credit scoring based on savings history
- Loan disbursement to bank account or wallet
- Smart Sweep for automated loan repayment
- Savings goals with progress tracking
- Early withdrawal penalties (configurable)
Who Should Build This:
- Savings-focused fintech startups
- Microfinance banks
- Employer-based savings schemes
- Faith-based organizations encouraging saving
- Schools teaching financial literacy
Example: A faith-based organization launches “BlessingsSave” – an app where members save toward specific goals like “Hajj”, “Tithe”, “Children’s School Fees”, or “Emergency Fund”. Members who save consistently for 3 months become eligible for loans up to 3x their savings balance. Repayments are automated via Smart Sweep.
How to Customize:
- Create unlimited savings product types
- Set interest rates per product
- Define loan-to-savings ratios (e.g., borrow up to 80% of savings)
- Set early withdrawal fees
- Configure automatic rollover for matured savings
6. Investment and Wealth Management App
What it is: An app where users can invest money into various investment products – treasury bills, fixed income, agriculture, real estate, or mutual funds. You manage the investments and users track their returns.
Key Features You Get:
- Multiple investment product listings
- Investment purchase workflow (minimum amounts, duration, expected returns)
- Automatic return calculation and payout
- Investment portfolio dashboard for each user
- Reinvestment options
- Secondary market for selling investments early (optional)
- KYC and investor accreditation
- Smart Sweep for collecting investment contributions
Who Should Build This:
- Asset management companies going digital
- Real estate crowdfunding platforms
- Agricultural investment platforms
- Fintechs offering high-yield investment products
- Pension fund administrators (simplified)
Example: A real estate company launches “BrickInvest” – an app where users can invest as little as ₦10,000 into real estate projects. They earn quarterly returns and can track the progress of each property. After 12 months, they receive their principal plus returns. The company uses the pooled funds to develop properties.
How to Customize:
- Create unlimited investment products
- Set minimum investment amounts
- Define return rates and payout schedules
- Add investment documents (prospectus, terms)
- Enable auto-invest features
7. Agent Banking and Merchant App
What it is: An app designed for agents and merchants who provide banking services to customers – cash-in, cash-out, bill payments, account opening, and more. This turns your agents into mobile bank branches.
Key Features You Get:
- Agent registration and onboarding
- Cash-in (customer gives cash, agent credits wallet)
- Cash-out (customer withdraws, agent gives cash)
- Transaction limits by agent tier
- Agent commission tracking and payout
- Inventory management (float monitoring)
- Customer management (serve walk-in customers)
- QR code for customer payments
- Smart Sweep for collecting agent settlement balances
Who Should Build This:
- Companies building agent banking networks
- Fintechs wanting physical presence without branches
- Retail chains adding financial services
- Microfinance banks expanding reach
Example: A national retail chain launches “ShopBank” – every store becomes a banking agent. Customers can deposit and withdraw cash, pay bills, buy airtime, and open accounts – all at the checkout counter. The store earns commission on every transaction.
How to Customize:
- Set agent tiers and limits
- Define commission structures
- Monitor agent float in real time
- Set transaction fees
The Secret Weapon: Smart Sweep Across All App Types
Regardless of which app you build, all Gobeller-powered apps include Smart Sweep – our intelligent repayment and collection engine.
What Smart Sweep Does:
- With customer authorization, can debit any bank account linked to their BVN
- Automatically tries multiple accounts if the primary account has insufficient funds
- Works for loan repayments, savings contributions, investment subscriptions, and thrift collections
Why This Matters for Your App:
| App Type | How Smart Sweep Helps |
|---|---|
| Digital Bank | Collect loan repayments from customer’s other bank accounts |
| Mobile Money | Automatically top-up wallet from linked bank account |
| Bills Payment | Schedule and collect recurring bill payments |
| Cooperative | Collect thrift contributions even if member’s primary account is low |
| Savings & Loan | Never miss a savings deduction or loan repayment |
| Investment | Collect investment installments automatically |
| Agent Banking | Settle agent balances by sweeping from their linked accounts |
Who Can Use Gobeller? (All Plans Detailed)
We have structured access so that everyone – from solo founders to large enterprises – can benefit from Gobeller.
| Plan Type | Best For | What You Can Build | Mandate Access | Delivery Model |
|---|---|---|---|---|
| Basic Plan | Individuals, startups testing ideas | Any single app type (choose one) | Single customer account mandate only | Cloud/SaaS only |
| Professional Plan | Growing businesses, small fintechs | Any single app type + premium features | Single customer account mandate only | Cloud/SaaS only |
| Enterprise Plan | Large organizations, multi-product fintechs, banks | Multiple app types under one brand | Single AND multiple customer account mandate (full Smart Sweep) | Cloud/SaaS or Standalone |
| Custom Plan | Organizations with unique needs | Fully tailored solution | Full flexibility | Cloud/SaaS or Standalone |
Important Notes:
- All plans can build any of the 7 app types described above.
- All plans include Smart Sweep, but only Enterprise and Custom can sweep multiple customer accounts.
- Enterprise and Custom customers can also run multiple apps (e.g., a digital bank AND a bills payment app) under the same brand.
- Standalone deployment is available for Enterprise and Custom plans only.
Custom Plan – Built Just for You
We understand that every business is unique. That is why we offer Custom Plans for organizations with specific requirements.
What a Custom Plan includes:
- Tailored feature set (only what you need)
- Flexible pricing based on your volume and usage
- Dedicated account manager
- Custom SLA with guaranteed response times
- Priority support (24/7 phone and chat)
- Option for standalone/on-premise deployment
- Full source code access (negotiable)
- Training for your team
- Assistance with regulatory compliance
Who needs a Custom Plan?
- Large banks and financial institutions
- Government agencies
- Telecom companies
- Enterprise organizations with thousands of users
- Businesses with strict data residency requirements
- Companies wanting to host Gobeller on their own servers
How to get a Custom Plan:
Simply contact our sales team, tell us what you need, and we will prepare a quote within 24 hours.
Pricing Overview
We believe in transparent, fair pricing with no hidden fees.
| Fee Type | Amount | When |
|---|---|---|
| One-time Setup Fee (Cloud/SaaS) | ₦500 | Initial setup |
| One-time Setup Fee (Standalone) | Custom quote | Based on your requirements |
| Mandate Activation Fee | ₦100 per linked account | Per customer account linked |
| Monthly Subscription (Basic) | Contact sales | Monthly |
| Monthly Subscription (Professional) | Contact sales | Monthly |
| Monthly Subscription (Enterprise) | Contact sales | Monthly |
| Custom Plan | Custom quote | Based on your needs |
Note: Standalone deployment includes a one-time setup fee and optional annual maintenance. There are no monthly per-user fees for standalone – you only pay for your own infrastructure.
View our full pricing page here: [Insert Your Pricing Link Here]
We Can Work a Custom Plan with the Best Price
We know that budget is important. That is why we are flexible.
What we can do for you:
- Adjust payment terms (monthly, quarterly, annually)
- Offer volume discounts for large user bases
- Bundle multiple apps at a reduced rate
- Provide startup discounts for early-stage companies
- Create milestone-based payment plans for enterprise deployments
- Match or beat competitor quotes (within reason)
Simply tell us:
- What type of app you want to build
- How many users you expect in year one
- Your preferred delivery model (Cloud/SaaS or Standalone)
- Your budget range
We will come back to you with a custom quote that works for both of us.
No pressure. No hidden fees. Just honest pricing.
How to Get Started with Gobeller
Getting your custom financial app live is simple. Here is your step-by-step guide.
Option A: Self-Service (Cloud/SaaS)
Step 1: Sign up on our platform
Step 2: Navigate to Products → Gobeller → Request Access
Step 3: Choose your plan (Basic, Professional, or Enterprise)
Step 4: Submit your branding and configure your products
Step 5: Review, test, and launch within 5–7 days
Option B: Book a Demo First
Not ready to sign up? No problem. Book a free, no-obligation demo with our team.
What happens in the demo:
- We show you a live Gobeller app in action
- We walk through all 7 app types
- We answer your specific questions
- We provide a custom quote based on your needs
- We explain the standalone/on-premise option if needed
Demo duration: 30–45 minutes
Cost: Free
Who should attend: You and any decision-makers on your team
Book your free demo here: [Insert Your Demo Booking Link Here]
Option C: Standalone / On-Premise Deployment
For clients who want to host Gobeller on their own servers:
Step 1: Contact our sales team (or book a demo and mention “standalone”)
Step 2: We assess your infrastructure requirements
Step 3: We provide a one-time setup quote
Step 4: Upon agreement, our team schedules the installation
Step 5: We install, configure, and test everything on your servers
Step 6: We hand over full control to you
Step 7: (Optional) We provide ongoing maintenance and support
Typical timeline for standalone: 2–4 weeks depending on complexity
Real-World Examples of Apps Built with Gobeller
| Business Type | App Name (Example) | App Type | Delivery Model | Result |
|---|---|---|---|---|
| Transport cooperative | MoveSave | Digital Bank + Savings | Cloud/SaaS | 5,000 drivers onboarded in 3 months |
| Rural women’s group | MamaThrift | Cooperative + Thrift | Cloud/SaaS | ₦50 million saved in 6 months |
| Electronics retailer | GadgetFlex | BNPL + Savings | Cloud/SaaS | 40% increase in sales |
| Property management | RentEasy | Bills Payment + Savings | Cloud/SaaS | 98% on-time rent collection |
| Investment firm | FarmInvest | Investment | Cloud/SaaS | ₦200 million raised for agriculture |
| Retail chain | MarketMoney | Mobile Money + Agent Banking | Cloud/SaaS | 500 agents across 3 cities |
| National bank | “Confidential Bank” | Full Digital Bank | Standalone | 2 million customers, hosted on bank’s private cloud |
| Government agency | “Confidential Project” | Savings + Loan for Citizens | Standalone | Deployed on government data center |
Frequently Asked Questions
Q: Do I need any technical skills?
A: No. Gobeller is designed for non-technical founders. You configure everything through a simple dashboard.
Q: What is the difference between Cloud/SaaS and Standalone?
A: Cloud/SaaS means we host and manage your app on our infrastructure. Standalone means we install the app on your own servers, and you have full control.
Q: Can I start with Cloud/SaaS and move to Standalone later?
A: Yes. Many clients start with Cloud/SaaS to launch quickly, then migrate to Standalone as they grow or when regulatory requirements change.
Q: How does Smart Sweep work for cooperatives?
A: Each member authorizes Gobeller to access their linked bank accounts. When it’s time for their thrift contribution, Smart Sweep attempts to debit their primary account. If insufficient funds exist, it automatically tries other accounts they have linked.
Q: Can I offer both savings and loans in the same app?
A: Yes. Most savings and loan apps offer both. You can configure this in your dashboard.
Q: What about customer support?
A: You provide customer support to your users. We provide technical support to you 24/7 via chat, email, and phone. Custom Plan clients get dedicated account managers and priority support.
Q: Can I add my own agents for mobile money?
A: Yes. The dashboard includes agent management tools. You can onboard, monitor, and pay agents directly.
Q: Is my customers’ money safe?
A: Yes. We use bank-grade security, encryption, and comply with financial regulations. Funds are held in regulated partner institutions. For standalone deployments, you have full control over security.
Q: What if I want a feature not listed here?
A: Contact our team. Many custom features can be added. Enterprise and Custom Plan clients get priority development access.
Q: How long does standalone deployment take?
A: Typically 2–4 weeks from contract signing to full handover, depending on your infrastructure and requirements.
Q: Do I get source code with standalone?
A: Source code access is optional and available at an additional cost for standalone deployments. Contact sales for details.
Ready to Build Your Custom Financial App?
You now know what is possible. Digital bank. Mobile money. Bills payment. Cooperative thrift. Savings and loan. Investment. Agent banking. Any of these – or a combination – can be yours.
Two ways to start:
- Sign up now and launch in 7 days
- Book a free demo and see Gobeller in action before you decide
try it out : https://gobeller.uk