Tuum
Tuum is a modular, cloud-native core banking platform for banks and financial institutions.
What Tuum is
Tuum is a modular, cloud-native core banking platform for banks and financial institutions. Its selectable modules cover core banking, cards, Islamic banking, lending, and payments, including multi-currency accounts, virtual IBANs, card issuing and processing, and several lending models. Payments capabilities include SEPA, SWIFT, FX, local schemes, and direct debits. The API-first microservices architecture is designed to support incremental modernization alongside legacy systems, and deployment options include public cloud, private cloud, on-premises, and hybrid environments. Tuum says its platform supports more than 2,500 transactions per second and 99.99% uptime. Open APIs and pre-built integrations connect third-party systems; listed connections include Centrolink, Currencycloud, LHV, Banking Circle, ComplyAdvantage, Hawk, Nets, and Paymentology. The Islamic Banking module is described as AAOIFI-compliant. Tuum says its average core banking implementation takes less than seven months. Founded in 2019 and headquartered in Tallinn, Estonia, Tuum is a software vendor, not a bank, and does not provide an EMI or banking license. Pricing is available on request.
Good
- Selectable banking modules
- Public, private, on-premises, and hybrid deployment
- API access and third-party integrations
- Supports multiple entities and real-time processing
- Average implementation stated as under seven months
Watch out
- No public product price
- Does not provide a banking or EMI license
- Prospective customers are directed to book a demo
Who it suits
Tuum is aimed at traditional and digital-first banks, fintechs, and other financial institutions seeking modular banking software. Its deployment choices and banking modules may suit organizations modernizing alongside legacy systems or selecting capabilities incrementally.
Verdict
Tuum offers a broad set of banking modules and deployment options for financial institutions. Buyers should account for pricing on request and the fact that Tuum supplies software, not a banking license.
Plans and prices
From Tuum's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Custom enterprise platform | Priced on request | No public price listed; book a demo |
The facts
Each one read from Tuum's own pages, with the date it was checked.
What it does
- API connectivity
- Tuum says open APIs and pre-built fintech integrations allow customers to connect third-party systems and providers.checked 7 Oct 2026
- Architecture
- The platform uses an API-first, microservices architecture and supports deployment on public cloud, private cloud, on-premises, or hybrid infrastructure.checked 7 Oct 2026
- Card integrations
- The Cards module lists pre-integrations with Nets and Paymentology and Mastercard tokenization support through MDES.checked 7 Oct 2026
- Cards
- The cards module supports debit, credit, and prepaid card issuing, transaction processing, configurable pricing and limits, and fraud rules.checked 7 Oct 2026
- Compliance
- The FAQ says Tuum supports multi-jurisdiction compliance across European, GCC, and MEA markets and cites GDPR, IFRS, FCA, PRA, ECB, SAMA, and AAOIFI.checked 7 Oct 2026
- Core banking
- Its core banking module supports account, lending, and payment capabilities, including multi-currency accounts and virtual IBANs.checked 7 Oct 2026
- Deployment
- Tuum describes public cloud, private cloud, on-premises, and hybrid deployment options.checked 7 Oct 2026
- Implementation
- Tuum says its average core banking implementation takes less than 7 months to go live.checked 7 Oct 2026
- Intended customers
- Tuum says it serves institutions ranging from multinational banks to fintechs and small and medium-sized enterprises.checked 7 Oct 2026
- Islamic banking
- Tuum's Islamic Banking module is described as AAOIFI-compliant and built for full Islamic banks or Islamic windows within conventional banks.checked 7 Oct 2026
- Lending
- Tuum’s lending module supports secured and unsecured lending, consumer loans, mortgages, and Banking-as-a-Service lending models.checked 7 Oct 2026
- Modules
- Customers can select the capabilities they need from core banking, cards, Islamic banking, lending, and payments modules.checked 7 Oct 2026
- Not a bank
- Tuum states that it is a software vendor and does not provide an EMI or banking license.checked 7 Oct 2026
- Payment integrations
- The Payments module lists pre-integrations with Centrolink, Currencycloud, LHV, and Banking Circle, plus AML connectivity with ComplyAdvantage and Hawk.checked 7 Oct 2026
- Payments
- The payments module handles SEPA, SWIFT, FX, local payment schemes, and direct debits, with rule-based routing and liquidity management.checked 7 Oct 2026
- Pricing availability
- The official pages reviewed direct prospective customers to book a demo and do not publish a numeric product price.checked 7 Oct 2026
- Product
- Tuum is a modular, cloud-native core banking platform for banks and financial institutions.checked 7 Oct 2026
- Scale
- Tuum states its platform supports 2,500+ transactions per second and 99.99% uptime.checked 7 Oct 2026
- Security
- Tuum announced SOC 2 compliance in March 2024 and says its systems and processes were evaluated against security standards.checked 7 Oct 2026
- Security certification
- Tuum announced that it achieved ISO 27001 certification in May 2022.checked 7 Oct 2026
- Support and sales
- The product site directs prospective customers to book a demo or contact Tuum's banking experts.checked 7 Oct 2026
The company
- Company history
- Tuum says its story began when five Estonian banking technology pioneers launched a modular core banking platform; a company announcement states it was founded in 2019.checked 7 Oct 2026
- Founded
- 2019checked 28 Sep 2026
- Headquarters
- Tallinn, Estoniachecked 28 Sep 2026
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