{"head":{"title":"Core Banking TCO Calculator: Licence vs Build | OceanLab","description":"Compare the total cost of a licensed core banking platform with a custom-built core, year by year. Enter your vendor's quote; see when the lead changes.","canonical":"https://oceanlab.in/tools/core-banking-tco"},"tool":{"slug":"core-banking-tco","path":"/tools/core-banking-tco","name":"Core banking TCO","h1":"Core banking TCO calculator","lede":"Put a licensed core banking platform next to a custom-built core and see the cost each year and over ten years.","category":"industry","categoryTitle":"Health, fintech and business software","method":["Each option, each year: one-off costs in year one, plus repeating costs that grow by a yearly percentage. A custom core also pays yearly maintenance as a share of its build cost, from year two.","The licensed side starts empty because licence and implementation prices are quoted per bank. Enter your vendor's quote to compare.","The result shows each year's cost, the running totals, the cheaper option over the horizon and the year the lead changes, if it does."],"sources":[],"faq":[{"question":"Why are the vendor prices empty?","answer":"Core banking vendors price per bank, often per account or customer, and do not publish list prices. Enter the quote you hold."},{"question":"What should go in implementation?","answer":"Configuration, data migration, parallel running, integration with payments and card systems, and the partner fees for all of it."},{"question":"Why is maintenance only on the custom core?","answer":"With a licence, upgrades are usually in the vendor's support fee. With software you own, your team pays for them. Add both sides' own teams in the team lines."},{"question":"Is anything I enter sent anywhere?","answer":"No. The tool runs in your browser and there is no sign-up. Nothing leaves the page unless you choose to email your result to OceanLab."}],"updatedAt":"2026-10-25"},"related":[{"href":"/tools/fintech-app-cost","label":"Fintech app cost","detail":"Pick the money features and platforms and get a cost and timeline range, with what cutting each feature would save."},{"href":"/tools/erp-tco","label":"ERP TCO","detail":"Put an ERP subscription and implementation next to custom software for the same processes, and see the cost each year."},{"href":"/tools/kyc-cost-per-check","label":"KYC cost per check","detail":"Enter how many customers you verify each month and compare published KYC plans, minimums and the cost per customer you actually onboard."}],"studies":[{"meta":{"slug":"keelstone","industry":"banking","projectType":"Core banking back office","country":"sg","tags":["fintech","enterprise","saas"],"compliances":["MAS TRM Guidelines","MAS Notice FSM-N05","MAS Notice 626","MAS E-Payments User Protection Guidelines","PDPA Singapore","Banking Act s47"],"cover":{"src":"/case-studies/keelstone/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Keelstone - Core Banking Back-Office Console with Maker-Checker","description":"Designed and built a clickable back-office console for a Singapore bank's deposit operations: holds and blocks, limit changes, fee waivers, payment repairs and end-of-day, with every money-moving change going through maker-checker approval.","category":"Banking / Core Banking Operations","client":"Straits Meridian Bank"}}},{"meta":{"slug":"lotse","industry":"banking","projectType":"Open banking aggregator","country":"de","tags":["fintech","saas","enterprise"],"compliances":["PSD2","ZAG","PSD2 RTS on SCA","eIDAS","GDPR","BDSG","DORA"],"cover":{"src":"/case-studies/lotse/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Lotse - Open Banking Aggregator Operations Console","description":"Designed and built a clickable operations console for a Hamburg account information service provider that connects fintechs to German bank accounts under PSD2: bank connector health, incidents, and every consent from grant to the 180-day re-authentication.","category":"Banking / Open Banking","client":"Elbtal Konto GmbH"}}},{"meta":{"slug":"pasje","industry":"banking","projectType":"Card issuing & controls","country":"nl","tags":["fintech","enterprise","saas"],"compliances":["PSD2","RTS on SCA","EU Interchange Fee Regulation","Cross-border Payments Regulation","PCI DSS","Visa Claims Resolution","Wwft","GDPR","UAVG","European Accessibility Act"],"cover":{"src":"/case-studies/pasje/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Pasje - Card Issuing and Card Controls Ops Console","description":"Designed and built a clickable ops console for an Amsterdam fintech's Visa debit cards: find any card, see why an authorisation was declined, freeze, block or replace a card, and work the dispute queue against scheme deadlines - without staff ever seeing a full card number.","category":"Banking / Card Issuing","client":"Vondel Pay"}}},{"meta":{"slug":"falaj","industry":"banking","projectType":"Treasury & cash management","country":"ae","tags":["fintech","enterprise"],"compliances":["ISO 20022 (pain.001, pain.002, camt.052, camt.053)","SWIFT MT940 / MT942","UAE Federal Decree-Law No. 47 of 2022 (Corporate Tax)","India FEMA","RBI External Commercial Borrowing rules","UAE Wage Protection System"],"cover":{"src":"/case-studies/falaj/01-home.png","width":1440,"height":1000}},"text":{"en":{"title":"Falaj - Multi-Bank Treasury and Cash Management Platform with Dual Authorisation","description":"Designed and built a clickable treasury platform for a Dubai-headquartered group with companies in the UAE, Saudi Arabia and India: one daily cash position across 11 banks in AED, a rolling 13-week forecast, and outgoing payments that go through dual authorisation before they are released to the bank.","category":"Banking / Corporate Treasury","client":"Rawdah Industrial Group"}}}],"more":[{"href":"/case-studies/industry/banking","label":"Banking & lending case studies","detail":"Every OceanLab product build in Banking & lending."},{"href":"/case-studies/industry/payments","label":"Payments case studies","detail":"Every OceanLab product build in Payments."},{"href":"/case-studies","label":"All case studies","detail":"Every OceanLab product build."},{"href":"/ai-automation","label":"AI automation","detail":"AI built into real business workflows, with people in charge."}],"today":"2026-10-25"}