How much does FinTech software development cost?
"FinTech development cost" has no single number — a payments MVP is not a trading platform with broker API and immutable audit trail. Below: real ranges for FinTech development, with delivered projects including Celindra — EduFin trading platform.
Price ranges by product type
| Product type | Cost (EUR) | Timeline | Includes |
|---|---|---|---|
| Payments / simple wallet MVP | €15,000 – €35,000 | 10–14 wks | Stripe/PayU, user account, transaction history, admin |
| EduFin / courses + subscriptions | €25,000 – €55,000 | 3–5 mo | Stripe subscriptions, content, community (Discord), reports |
| Trading / paper trading dashboard | €40,000 – €120,000 | 4–8 mo | Real-time charts, broker API, OMS, backtesting |
| Digital banking / PSD2 open banking | €80,000 – €200,000+ | 6–12 mo | KYC, SCA, bank integrations, audit logs, RBAC |
What increases budget (and why you can't skip it)
- Compliance. GDPR, PSD2/SCA, PCI DSS scope — not optional when handling real money.
- Immutable audit trail. Who did what, when — required for investigations and regulation.
- Broker/bank integrations. Each API has expensive edge cases.
- Availability. agreed response times, monitoring, alerting — FinTech can't be "best effort".