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.
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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.
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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.
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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.
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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.
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Open accounts

Open configurable bank accounts and instantly onboard verified users.*

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.
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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.
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KYC

Confidently onboard users at scale by swiftly verifying identities and reducing friction for legitimate customers, while helping to block fraudsters.
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Move money

Empower users with a suite of products to earn, move, and spend funds.*

Early Pay

Build trust with users by providing access to paychecks up to two days early, with complete control over which users are eligible.
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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.
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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.
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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.
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ACH

Enable easy money movement between bank accounts and leverage Marqeta's integration with Plaid for streamlined account verification and balance checks.
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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.
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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.
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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.
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Banking innovators build with Marqeta

Co-create with Marqeta to launch category-defining financial services.
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“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
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“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

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.
Platform overview
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*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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