Digital Banking

One-stop shop for digital banking solutions

We have been driving open banking innovation and serviced established Nordic and Asian banking institutions since 2010. As a PCI-DSS Level 1 certified e-money Institution (PSD2) authorised and supervised by the Swedish Financial Supervisory Authority (Finansinspektionen), Smart Refill can offer a wide range of secure and attractive digital banking services..

Our Digital Banking platform is a flexible solution, ready to be dressed in your brand and launched to your consumers in web and mobile. It’s built as a Pick’n’Mix solution – take it all or pick the features you need! Our solution fits banks, neo banks, fintechs, card providers, fund management firms and other financial businesses..

Find out how we have found smart solutions to solve challenges and seize opportunities for banks, fintechs and financial companies below..

Mobile Banking


Challenger banks are redefining the way people are looking at mobile banking experiences. As a bank it can be time consuming to follow trends and keep the mobile bank up-to-date. As a fintech innovator, the road from idea to launch can feel long.

Our Solution

With Smart Refill’s Digital Banking platform, you simply Pick’n’Mix the features you need. We’ll help you launch the features in your interfaces, or release them as separate, tailor made web and application services. And don’t worry about maintaining and hosting the services – we’ll do it for you.

Funds and Savings


Savings are the foundation for a person’s financial life and economic freedom. Some people find it hard to get started. How do we help and inspire customers to save and invest?

Our Solution

We develop savings and investment features that makes saving simple. Quick saving, stock portfolios, fund trading – we do it all. 

Youth Bank


Physical money is disappearing at a fast pace, as digital payment methods and online payments increase. How do we teach children the value of money when it has turned into abstract numbers on a screen?

Our Solution

With our youth bank services, you can give young people the tools they need to take control of their personal finances and understand the value of money. Piggy bank, savings goals, weekly allowances and rewards for household chores – the services we develop are fun, powerful and designed for the specific target group.

Customer Stories

Sparbankernas Kort

Shanghai Commercial & Savings Bank

Didner & Gerge