Man in a suit on the phone at a desk

How to choose the one feature your money app launches with

By SendPay Business · · 2 min read

Your card, ready to use
  1. Your card appears in your app
  2. Tap it to pay in a shop
  3. See every payment as it happens

It is tempting to launch with everything: accounts, cards, transfers, savings and loans. But the apps people love almost all started with one job done better than anyone else.

Find the biggest pain

Ask your future customers what annoys them most about money today. The answer that comes up again and again is your first feature.

Woman seated, using a laptop

Match it to an app type

Most first features fit one of these:

Tap to explore

Tap each one to see what it means.

Sending money home or abroad

a transfer app.

Paying and getting paid by phone

a wallet.

Everyday spending with a card

an account app.

Letting businesses take payments

a payments platform.

Try it

Name your platform and watch it come to life

Type a name, tap a colour and pick what it does. The phone changes as you go.

Colour

What it does

Build mine

Design and preview your whole platform free, then launch when you are ready.

Do it better than anyone

Be clearer on fees, faster, easier to use or better at support in your customers' language. One real advantage beats five average features.

Team collaborating around a laptop in an office

Add the next feature when people ask

Once customers use the first feature often, listen for what they ask for next. Growing from what people request keeps you building things that get used.

Man beside a laptop and a cup of tea

How it works

Your own money app
  1. Name it and pick your colours
  2. Choose what it does
  3. Launch when you are ready

Why sign up

Create your free SendPay account

It's all about creating your own financial platform with ease. Start with a free account today.

  • A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
  • Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
  • A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
  • Your own financial platformDesign and preview your whole platform free, then launch when you are ready.

SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

Questions people ask

Which type of app should I launch?

The free quiz suggests an app type from three questions and your country.

Which money app should I launch? →
What is the difference between the app types?

The comparison guide explains wallets, accounts and payment apps side by side.

Wallet vs account vs payments app →
Can I call it a bank?

In most countries "bank" is a protected word you can only use with a banking licence. Call it an account, a wallet, an app or a platform. The accounts and payments behind a SendPay Business platform are powered by licensed partners.

Is there a step-by-step plan I can follow?

Yes. The free launch checklist takes you from picking your people and naming your app to setting fees, going live and winning your first ten customers.

Digital bank app launch checklist →
How do I start?

Pick a template, name it and preview every page before you launch. Your platform can be live on your own domain within 24 hours of confirmation.

Build my platform →

Read next

Spotted a mistake or something out of date? and we'll fix it. How our guides are made

This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.