Private Banking Solution


Provide special clients and VIPs with an unmatched, first-class private banking experience. The SpotBanc platform allows you to deliver superior digital banking services that match your clients' lifestyles.

Satisfy Your Clients

VIPs expect high functionalities and exceptional human touch from their wealth managers or private bankers.
Spotbanc empowers you to offer both and more.

Exclusive banking services

Provide your client with exclusive banking services, from executing special transfers and other standing orders to generating executive financial reports. Payments through accounts are possible via card or bank transfers. Transaction records are easy to find using any identifier such as name, email, phone number, etc.

  • Opening and maintaining accounts.
  • Currency exchanges are based on real-time rates.
  • International money transfers via money transfer systems, payment gateways, banks, and card payment companies.
  • Wire transfers in international payments systems including SEPA and SWIFT.
  • Setting mass payments into motions (e.g payrolls).
  • Loans and loan refinancing.
  • Issue card.

Multiple premium accounts

Create multiple premium accounts with special benefits designed for different clients. Spotbanc enables you to tweak premium account offerings as you wish, to attract and retain a special clientèle you might have in mind.

Clients are at liberty to hold multiple accounts, transfer value between accounts, and make payments to others directly. Auto-sweep account feature allows clients to automate transfers of balances in different accounts into one account at their preferred set time. Accounts created are organized and profiled per client at your admin end for convenient management.

  • Sub-accounts are sorted for convenience.
  • Auto-sweep account feature.

Multiple currencies

Spotbanc enables your clients to hold multiple currencies in as many accounts as they may want. Working with as many currencies as your business support avails clients of the luxury and flexibility of modern life.

Clients may transfer value between their accounts and make payments to others directly, taking advantage of foreign exchanges and cross-border payments functionalities.

  • Supports over 150 currencies.
  • Clients benefit from full FX advantages.
  • Sub-accounts are sorted for convenience.
  • Auto-sweep account feature.

Client account and portfolio

The client account is your client’s online office to perform activities and manage their portfolio. From here assigned relationship managers can view clients’ portfolios, monitor their assets, convert currencies, and generate reports. On client’s orders, relationship managers can create additional users, make transfers between accounts, perform transactions, fund accounts, and manage payments.

  • Smart navigation
  • View portfolio
  • Track all financial operations
  • Link and manage accounts

Scheduled and Recurring Payments

Relationship managers can easily schedule payments for executions at a later date and time or automate recurring payments on clients’ behalf. Our system allows adjustments of scheduled payments before due dates. Managers can arrange staff payroll, incentives, and bonuses, pay suppliers and distribute commissions.

  • Schedules payments
  • Automate recurring payments
  • Manage payrolls, entitlements, and incentives
  • Manage payments to external persons or organizations

Web and Mobile application

Spotbanc enables your banking platform accessibility through the web (via any browser) and mobile app (iOS and Android). Clients enjoy access to full private banking services irrespective of the channel through which they access your platform. Easily customize your web or mobile app interfaces to achieve your preferred look and feel.

  • Internet banking capabilities
  • iOS and Android
  • Perform transactions
  • Manage accounts and balances
  • Communicate with clients via an inbuilt support system
  • No need to integrate external customer support software

Personalized Comprehensive dashboard

A comprehensive dashboard gives both your clients and relationship managers a detailed overview of clients’ portfolios. Leverage our robust platform to create the personalized service your clients are looking for, complete with an embedded client support interfacing system.

  • Comprehensive data layout. 360 degrees
  • Personalized overview

Communication Tools

Inbuilt communication tools facilitate communications between your support team and your clients. Clients enjoy notifications about their transactions, asset position, portfolio outlook, etc. Great for communicating new updates, products, or services.

  • SMS notifications Template
  • Email notifications Template
  • Mailbox
  • Bulk SMS
  • Easily integrate with an additional client support tools for even more personalized service

Account Security

Spotbanc utilizes modern security tools such as customer authentication, IP whitelisting, and other cutting-edge technologies to keep clients' accounts secured. Achieve higher security levels by adding extra options or fields and supporting roles and permissions. Decide between additional security levels, luxurious simplicity, or a combination of both to deliver stress-free, yet secured access to accounts.

  • PIN-based client identification mechanism prevents access from an unknown IP addresses.
  • Full compliance with Payment Service Directives (PDS2) security measures.
  • Manipulate additional security settings as required.

Benefits to Private Banks

Empower portfolio and relationship managers with the latest wealth management technologies

Easy Onboarding

An omnichannel approach to client onboarding with integrated customer screening and data synchronization makes onboarding super easy. Clean KYC levels interfaces on both mobile and web applications. The onboarding process is segregated between individuals and corporate bodies to ease client profiling.

  • Integration with third-party KYC services.
  • Self-onboarding.
  • KYC/KYB Levels.
  • Documents and photos review.
  • Omnichannel system for easier onboarding.

Accounting, reporting, and analytics

A complete financial engine for monitoring real-time transactions, instant account settlement and reconciliations, auditing, interest rates, and financial statements. Get valuable analytical insights into business and marketing data such as clients’ profiles, conversion rate, company’s turnover, and more with our in-built analytics tool.

  • Transaction reports (detailed and summary).
  • Turnover reports.
  • Account reconciliations.
  • Account statements per client.
  • Financial statements for audits and tax authorities.
  • Marketing metrics (detailed and summary).

Portfolio Analysis

SpotBanc is enriched with 360 degrees insights into clients’ portfolios and a simple display of meaningful information per client. It serves as a tool for the preparation of portfolio management activities and advisory meetings, cash flow forecasting, and asset monitoring.

The platform is an integrated modular solution that helps you manage effectively, the complexity of your premium clients’ funds and transactions, both locally and internationally. Advanced customer profiling feature enables your relationship managers to instantly monitor, document, analyze and eventually report corporate clients’ information as required.

  • 360 degrees client portfolio view
  • Advanced customer profiling to aid personalized servicing
  • Tool for cash flow forecasting and asset monitoring
  • Technical analysis to aid advisory meetings

System Security

Prevent unauthorized access to tools and databases using top-notch security technologies. On the admin end, you can flexibly distribute access rights to managers and employees to restrict out-of-scope access to information. The system checks logins from unknown IP addresses and monitors server logs data.

  • Secured hosting
  • IP whitelisting
  • Access alert
  • Transaction alerts
  • Fraud detection analyser

AML/Compliance

Smart risk-management tool for ensuring your business remains compliant. Monitoring clients' financial operations to prevent fraud, money laundering, illicit trading, tax evasion, terrorism financing, and any activity that might damage your business. Easily set up country-specific compliance rules.

  • Setup Transaction AML rules and auto eKYC checks
  • Setup Workflow (Both compliance pass/failure)
  • Fraud detection & Analyser (Identity theft, Structuring, Duplication document check)
  • Global and country-specific KYC/AML rules
  • Suspicious Transaction reporting
  • Global sanction screening
  • Watch List Support (Blacklist/Whitelist)
  • View customer KYC and AML reports

Setup Fees and Charges

Easily set up fees (fixed or percentage-based), taxes, commissions, and other banking specifics settings. Charges can be set based on characteristics such as location, transaction volume, amount, and more. The system flexibility allows you to tailor charges per client, geared towards aiding you create manage charges for extra-personalized services.

  • Fixed or percentile fees.
  • Flexible pricing structure.
  • Tailor charges per client.
  • Set risk-levels.

Multi-Administration

Our system supports multiple administrator accounts, with different functions and authorization levels. Assign roles and duties to managers and employees with different access levels ensuring maker-checker. Manage assigned roles and access and review managers’ performance.

Clients can be categorized into different profile groups, allowing multiple schedules for different client types.

  • 5 authorization levels.
  • Maker-checker principle.
  • Review the overall performance of administrative staff.

Interest rate management

The platform enables you to set up earnable interest rates and commissions for clients depending on the amount clients hold in their accounts. Great for encouraging clients to increase deposits or balance holdings with your platform, or for rewarding outstandingly performing clients.

Customer Relationship Management (CRM)

A unique administrative tool to manage corporate clients better. View top performing clients’ reports; provide support for microloan and setup fees per client.

  • Top-performing reports
  • Customers Wallet Management
  • View customer transaction history
  • Request information from the customer via Email & SMS notification
  • Address Verification Support
  • Add Beneficiary/Sender to a watch list (black/white list/watch list)
  • View customer-uploaded document
  • Electronic and Manual ID verification

Branding

Spotbanc gives you the flexibility to customize your application, applying your preferred brand colour, logo, font type and size, and background image. Complete freedom to achieve your branded look in no time. Easily modify or change your product branding at any time.

  • Background image upload
  • Colour settings
  • Font Settings
  • Logo Upload
  • Custom Login Page

Comprehensive Support System

Enjoy 24/7 customer support from our team of experts spread across different countries. We are always available to attend to your requests at all times of the day, irrespective of your location. Get unrestricted access to explainer videos and blogs on platform functionalities and industry insights from our content team.

Get Started in 4 Steps


1

Contact Us

Message us. Tell us a bit about your project.
2

Application Demo

We demonstrate SpotBanc’s capabilities to you.
3

Contract & Invoicing

The contractual agreement between your team and ours.
4

Setup

We set up, test and evaluate SpotBanc within days.



Ready to Launch?


Schedule a call and let our experts answer your questions regarding SpotBanc capabilities. There’s so much more inside.