Marqeta for Banking
Same proven platform. New modern banking tools.
Design innovative banking experiences with the same freedom and flexibility that Marqeta brought to modern card issuing.
Embed financial services and transform your customer journey
Launch an end-to-end offering on a platform that combines modern card issuing and banking-as-a-service.
Tailor your banking solutions with modular building blocks
Modular, banking-as-a-service APIs across cards, accounts, and money movement give you the flexibility to build a tailored solution and unlock new revenue streams.
Move money with fine-tuned control
Access granular insights and set controls at the program, user, and transaction level across card and non-card rails to create your desired user experience.
Launch and scale with one trusted partner
Get to market quickly with Marqeta’s dedicated banking technology experts and long-standing relationships with card networks and bank partners.
Open accounts
Open configurable bank accounts and instantly onboard verified users.*
Demand Deposit Accounts
Prepaid Accounts
KYC
Demand Deposit Accounts
Launch a Demand Deposit Account tied to a debit card with no maximum balance, high spend limits and consumer protection through FDIC insurance.
Prepaid Accounts
Get to market quickly with a general purpose reloadable account and prepaid card with the ability to support consumer and commercial programs and Gateway JIT functionality.
KYC
Confidently onboard users at scale by swiftly verifying identities and reducing friction for legitimate customers, while helping to block fraudsters.
Demand Deposit Accounts
Launch a Demand Deposit Account tied to a debit card with no maximum balance, high spend limits and consumer protection through FDIC insurance.
Prepaid Accounts
Get to market quickly with a general purpose reloadable account and prepaid card with the ability to support consumer and commercial programs and Gateway JIT functionality.
KYC
Confidently onboard users at scale by swiftly verifying identities and reducing friction for legitimate customers, while helping to block fraudsters.
Move money
Empower users with a suite of products to earn, move, and spend funds.*
Early Pay
Direct Deposit
Surcharge-Free ATM
Bill Pay
Early Pay
Build trust with users by providing access to paychecks up to two days early, with complete control over which users are eligible.
Direct Deposit
Encourage customer loyalty and card usage with direct deposit functionality. Easily set up automated direct deposits with configurable limits and detailed reporting for careful control.
Surcharge-Free ATM
Enhance your cardholder value proposition by giving users flexible access to cash through the Allpoint and MoneyPass networks of 85K fee-free ATMs.
Bill Pay
Provide your cardholders a seamless user experience to manage and pay their bills without having to leave your banking app, while earning additional revenue on card payments.
ACH
Cash Loads
Instant Funding
ACH
Enable easy money movement between bank accounts and leverage Marqeta's integration with Plaid for streamlined account verification and balance checks.
Cash Loads
Deliver a physical experience to compliment your digital bank by giving cardholders access to over 180K in-store cash deposit locations, with funds available to spend immediately.
Instant Funding
Drive customer retention and top of wallet card use with instant account funding using secure card rails. Set amount and velocity controls to customize your business needs.
Early Pay
Build trust with users by providing access to paychecks up to two days early, with complete control over which users are eligible.
Direct Deposit
Encourage customer loyalty and card usage with direct deposit functionality. Easily set up automated direct deposits with configurable limits and detailed reporting for careful control.
Surcharge-Free ATM
Enhance your cardholder value proposition by giving users flexible access to cash through the Allpoint and MoneyPass networks of 85K fee-free ATMs.
Bill Pay
Provide your cardholders a seamless user experience to manage and pay their bills without having to leave your banking app, while earning additional revenue on card payments.
ACH
Enable easy money movement between bank accounts and leverage Marqeta's integration with Plaid for streamlined account verification and balance checks.
Cash Loads
Deliver a physical experience to compliment your digital bank by giving cardholders access to over 180K in-store cash deposit locations, with funds available to spend immediately.
Instant Funding
Drive customer retention and top of wallet card use with instant account funding using secure card rails. Set amount and velocity controls to customize your business needs.
Delight your users and build loyalty that lasts
Create a flywheel of engagement across your entire offering with an innovative card offering supported by modern money movement.
Banking innovators build with Marqeta
Co-create with Marqeta to launch category-defining financial services.
“We first utilized Marqeta's platform to help bring Coinbase Card to market, providing our customers the ability to earn crypto rewards and easily make everyday purchases with their crypto. As we continue our commitment to building safe, trusted, and easy-to-use products that make spending and earning cryptocurrency seamless, we've seen many benefits from the flexibility of Marqeta's banking-as-a-service tools."
Sanchan Saxena
VP Retail Product, Coinbase
VP Retail Product, Coinbase
“Marqeta for Banking’s modular Direct Deposit API has expedited our ability to bring the convenience of direct deposit to our platform. Our customers are attracted to our innovative and highly engaging cryptocurrency rewards program, and leveraging Marqeta’s banking product capabilities enables us to focus on delivering that core value proposition to them."
Will Reeves
CEO and Co-founder
CEO and Co-founder
Complete your offering with a suite of services to support your banking vision.
Learn more about Marqeta’s
card issuing, program management, and risk tools to scale your banking program.
card issuing, program management, and risk tools to scale your banking program.
Discover more insights
Stay up to date with the latest industry trends, expert discussions, and educational resources.
Discover more insights
Stay up to date with the latest industry trends, expert discussions, and educational resources.
*Marqeta is not a bank. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners.
Start innovating with Marqeta today
Let’s talk about your banking solutions roadmap and how we can help.
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