---
description: Discover and compare Free Online Banking Software Applications & Tools. Capterra is a free interactive tool that lets you quickly narrow down your software selection, contact multiple vendors, and compare platforms for your business.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: Free Online Banking Software - Capterra South Africa 2026
---

Breadcrumb: [Home](/) > [Free Online Banking Software](https://www.capterra.co.za/directory/30589/online-banking/software)

# Online Banking Software

Canonical: https://www.capterra.co.za/directory/30589/online-banking/software

> Online Banking software enables financial institutions to provide core banking, treasury, wealth management, consumer and corporate e-banking, and more to their customers via a secure internet portal.

-----

## Products

1. [FraudNet](https://www.capterra.co.za/software/140814/fraud-net-guardian) — 4.8/5 (17 reviews) — FraudNet is AI software helping enterprises prevent fraud, manage risk, and ensure compliance using analytics and a global network.
2. [Qonto](https://www.capterra.co.za/software/173384/qonto) — 4.5/5 (240 reviews) — The business finance solution that energizes SMEs and freelancers.
3. [Plaid](https://www.capterra.co.za/software/174384/plaid) — 4.4/5 (95 reviews) — Power the digital banking journey with Plaid
4. [Metaprise](https://www.capterra.co.za/software/1023107/metaprise) — 4.7/5 (75 reviews) — AI-driven AR/AP solutions that help businesses optimize cash flow, automate tasks, and manage global transactions.
5. [Mercury](https://www.capterra.co.za/software/1084476/Mercury) — 4.9/5 (56 reviews) — Mercury is a banking platform that gives entrepreneurs one product to accomplish everything they want with their money.
6. [Open](https://www.capterra.co.za/software/203374/bankding-software) — 4.7/5 (27 reviews) — Open is a connected banking platform for business payments that simplifies the process of sending, receiving, and reconciling payments
7. [Mamo Business](https://www.capterra.co.za/software/1037015/mamo-pay-for-business) — 4.3/5 (15 reviews) — Consolidate payment collection, corporate cards, and expense management into one beautiful, intuitive platform.
8. [Indy](https://www.capterra.co.za/software/187441/indy) — 4.8/5 (14 reviews) — Online application that helps self-employed automate accounting, from expense tracking to tax filling and bank reconciliation.
9. [PayNet Banking Platform](https://www.capterra.co.za/software/163173/paynet-cloud) — 4.5/5 (13 reviews) — PayNet provides White-labeled Neo Banking and Payment software solutions.
10. [Swan](https://www.capterra.co.za/software/1011763/swan) — 3.0/5 (6 reviews) — The DIY banking platform that lets you embed banking services directly into your product in under 5 minutes.
11. [Revogear](https://www.capterra.co.za/software/177144/ivypay) — 5.0/5 (1 reviews) — Software suite to manage electronic money payments, multi currencies and supports cryptocurrency as well.
12. [Venn](https://www.capterra.co.za/software/1061713/vault) — 5.0/5 (1 reviews) — Better Canadian business banking
13. [B2BPay](https://www.capterra.co.za/software/173858/b2bpay) (0 reviews) — B2B Pay provides businesses with virtual banking and international payment services.
14. [Intelligrow](https://www.capterra.co.za/software/189232/finnova) (0 reviews) — Web + Mobile Application based lending solution and core banking application for NBFC's, Micro finance.
15. [Juni](https://www.capterra.co.za/software/1030196/juni) (0 reviews) — Choose a financial management platform that speaks ecommerce.
16. [Square Banking](https://www.capterra.co.za/software/1078390/Square-Banking) (0 reviews) — Banking tool that provides checking, savings, loans, and cash flow modules to help small businesses manage cash flow \&amp; access capital.

## Related Categories

- [Expense Report Software](https://www.capterra.co.za/directory/30559/expense-report/software)
- [Banking Software](https://www.capterra.co.za/directory/20008/banking-systems/software)
- [Mobile Banking Software](https://www.capterra.co.za/directory/10063/mobile-banking/software)
- [Accounting Software](https://www.capterra.co.za/directory/1/accounting/software)
- [Accounts Payable Software](https://www.capterra.co.za/directory/30520/accounts-payable/software)

## Links

- [View on Capterra](https://www.capterra.co.za/directory/30589/online-banking/software)
- [All Categories](https://www.capterra.co.za/directory)

-----

## Structured Data

<script type="application/ld+json">
  {"@context":"https://schema.org","@graph":[{"name":null,"address":{"@type":"PostalAddress","addressLocality":null,"addressRegion":null,"postalCode":null,"streetAddress":null},"description":"Capterra South Africa helps find the best business software. With software reviews, ratings, infographics and a comprehensive list of business software.","email":"info@capterra.co.za","url":"https://www.capterra.co.za/","logo":"https://dm-localsites-assets-prod.imgix.net/images/capterra/logo-a9b3b18653bd44e574e5108c22ab4d3c.svg","@type":"Organization","@id":"https://www.capterra.co.za/#organization","parentOrganization":"Gartner, Inc.","sameAs":["https://twitter.com/capterra","https://www.facebook.com/Capterra/","https://www.linkedin.com/company/capterra","https://www.instagram.com/capterra/","https://www.youtube.com/user/CapterraTV"]},{"name":null,"url":"https://www.capterra.co.za/","@type":"WebSite","@id":"https://www.capterra.co.za/#website","publisher":{"@id":"https://www.capterra.co.za/#organization"},"potentialAction":{"query":"required","target":"https://www.capterra.co.za/search/?q={search_term_string}","@type":"SearchAction","query-input":"required name=search_term_string"}},{"name":"Online Banking Software","description":"Discover and compare Free Online Banking Software Applications & Tools. Capterra is a free interactive tool that lets you quickly narrow down your software selection, contact multiple vendors, and compare platforms for your business.","url":"https://www.capterra.co.za/directory/30589/online-banking/pricing/free/software","about":{"@id":"https://www.capterra.co.za/directory/30589/online-banking/pricing/free/software#itemlist"},"breadcrumb":{"@id":"https://www.capterra.co.za/directory/30589/online-banking/pricing/free/software#breadcrumblist"},"@type":["WebPage","CollectionPage"],"@id":"https://www.capterra.co.za/directory/30589/online-banking/pricing/free/software#webpage","mainEntity":{"@id":"https://www.capterra.co.za/directory/30589/online-banking/pricing/free/software#itemlist"},"isPartOf":{"@id":"https://www.capterra.co.za/#website"},"inLanguage":"en-ZA","publisher":{"@id":"https://www.capterra.co.za/#organization"}},{"@type":"BreadcrumbList","itemListElement":[{"name":"Home","position":1,"item":"/","@type":"ListItem"},{"name":"Free Online Banking Software","position":2,"item":"https://www.capterra.co.za/directory/30589/online-banking/software","@type":"ListItem"}],"@id":"https://www.capterra.co.za/directory/30589/online-banking/pricing/free/software#breadcrumblist"}]}
</script><script type="application/ld+json">
  {"name":"Free Online Banking Software - Capterra South Africa 2026","@context":"https://schema.org","@type":"ItemList","itemListElement":[{"name":"FraudNet","position":1,"description":"FraudNet is an AI-driven risk management platform that integrates fraud detection, compliance, and risk management capabilities in real-time. It combines smart threat detection with advanced analytics to reduce false positives and prevent fraud through accurate risk scoring. The platform features a no-code rules engine and customizable models that adapt to changing requirements. FraudNet includes a Global Anti-Fraud Network for collaborative insights across industries and data orchestration for unified data flows. The system supports seamless integrations with existing infrastructure and offers modern case management tools. Through its advanced analytics, FraudNet delivers data-driven insights that enable faster decision-making. The platform unifies entity screening, entity monitoring, and transaction monitoring into a comprehensive solution that helps businesses respond effectively to fraud and compliance challenges.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/5d42ae8a-97a0-4784-a0ef-633599e27fbf.png","url":"https://www.capterra.co.za/software/140814/fraud-net-guardian","@type":"ListItem"},{"name":"Qonto","position":2,"description":"Qonto makes day-to-day banking easier for SMEs and freelancers, thanks to an online business account combined with invoicing, bookkeeping, and spend management tools. With an innovative product, highly responsive 7/7 customer service, and clear pricing, Qonto has become the European leader in its category. Qonto is a powerful Business Account for your everyday banking needs. It offers local IBANs (🇫🇷 French / 🇩🇪 German / 🇮🇹 Italian / 🇪🇸 Spanish). \n\nYou can use payment cards to spend up to €200,000/month with no hidden costs, allowing you to pay online, in-store, and abroad. \n\nTransfers come with flexible payment methods, and transactions include unlimited history and real-time notifications. \n\nFinancing is made easy with access to integrated financing options. \n\nLeverage our financial tools, including invoice management, spend management, and bookkeeping.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/56ff673c-56ca-4083-a386-9a8b50553986.png","url":"https://www.capterra.co.za/software/173384/qonto","@type":"ListItem"},{"name":"Plaid","position":3,"description":"Exceed customer expectations by providing risk management, fast account funding, and personalized financial advice on a single platform.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/c91a81bc-9c50-44e0-a9e0-fdddb2c5b27b.png","url":"https://www.capterra.co.za/software/174384/plaid","@type":"ListItem"},{"name":"Metaprise","position":4,"description":"Our mission is to revolutionize financial management by providing advanced, AI-driven AR/AP solutions that empower businesses of all sizes to optimize cash flow, automate operations, and seamlessly manage global transactions. We strive to deliver innovative, end-to-end financial solutions that integrate effortlessly with existing systems, enhance security, and drive efficiency, enabling our clients to focus on growth and success in an increasingly complex and connected world.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/c4536664-6b3a-42e9-a9b8-c713f2c2d5ff.png","url":"https://www.capterra.co.za/software/1023107/metaprise","@type":"ListItem"},{"name":"Mercury","position":5,"description":"Mercury is an online banking¹ platform that helps startups and small to medium-sized businesses. It brings together banking, payments, cards, and financial workflows in one place.\n\nWith Mercury, teams can open checking and savings accounts online, pay vendors and contractors, send ACH and wires, issue debit and credit cards² with spend controls, and automate bill pay and invoicing. Built-in accounting integrations help simplify reconciliation and month-end close.\n\nMercury is used by founders and operators who want more visibility into their finances. It supports growing businesses with streamlined money movement so companies can operate more efficiently.\n\n\n¹Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.\n²The Mercury Debit Cards are issued by Choice Financial Group and Column N.A., Members FDIC. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/da6b0a74-3eb3-4042-9802-089d2543b717.jpeg","url":"https://www.capterra.co.za/software/1084476/Mercury","@type":"ListItem"},{"name":"Open","position":6,"description":"Founded in 2017, OPEN is a business payments platform that empowers SMEs, startups and freelancers to manage everything from accounts payables, accounts receivables, to auto-reconciliation, accounting, expense management, compliance and payroll in one single platform. Today the platform powers more than 40 lakh SMEs and processes over USD 30 billion in annualized transactions. The platform also adds over 100,000 SMEs every month, making it the fastest-growing platform in this space globally.\n\nIn May 2022, OPEN raised its Series D round and became the 100th Unicorn from India. OPEN is backed by leading global investors like IIFL Finance, Temasek, Google, Visa, Tiger Global, Beenext, Recruit Strategic Partners, 3one4 Capital, Speedinvest, Tanglin Venture Partner Advisors, Angellist, Unicorn India Ventures, to name a few and has raised over USD190 million in funding to date.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/89db519f-a90f-443b-beec-30f422eadad3.png","url":"https://www.capterra.co.za/software/203374/bankding-software","@type":"ListItem"},{"name":"Mamo Business","position":7,"description":"Mamo Business is an all-in-one financial services platform that helps businesses consolidate payment collection, corporate cards, and expense management into one beautiful, intuitive platform.\n\nWith Mamo Card, you can get up to 2% cashback on foreign transaction fees, set spending limits and manage company-wide spending with the Mamo Card.\n\nWith Mamo Business, you can accept payments in more than 15 currencies and access some of the lowest transaction fees in the UAE .\n\nWith Mamo's expense management solution, you can speed up manual expense management, eliminate reimbursements, and complete month-end closes like a pro.\n\nWith Mamo's many APIs, you can optimize checkout flows and automate finance operations.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/645f4edd-959d-43ad-81e8-d77fa9aeecd1.jpeg","url":"https://www.capterra.co.za/software/1037015/mamo-pay-for-business","@type":"ListItem"},{"name":"Indy","position":8,"description":"Indy simplifies freelancers day-to-day with its all-in-one app, allowing them to manage their finances, invoice clients, and automate their filings with ease.\n\nIn its free plan, Indy offers:\n- A business account: No need for a bank! With Indy’s 100% online and 100% free business account, you have everything you need to pay and get paid.\n- Accounting: Indy detects VAT, automatically categorizes your transactions, and lets you monitor your business activity in real-time.\n- Quotes and invoices: Create and personalize your invoices and quotes and track your payments in real-time.\n- Expenses : Simply take a photo of your receipts. Your digital records on Indy hold the same legal value as the originals.\n\nIndy also offers a paid plan for filing declarations (VAT, taxes, balance sheets, profit and loss statements, etc.).\n\nStarting out? Create your business for free with Indy!","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/622ca857-36a1-4692-9a6f-aa05461f8ac7.png","url":"https://www.capterra.co.za/software/187441/indy","@type":"ListItem"},{"name":"PayNet Banking Platform","position":9,"description":"PayNet provides White-labeled neo-banking and Payment software solutions to enable Payments\n\n\nWe have ready-to-use modules and pre-built apps to launch  \n\n- Corporate and Mobile Banking\n- Digital Wallets\n- Payments and Collections\n- Loyalty and Rewards\n \nBenefit :\n\nTo go to market 10 X faster\n50% lower maintenance cost \nData Security Certified","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/0da28775-cf58-4cc1-b8f0-7665a9b72705.jpeg","url":"https://www.capterra.co.za/software/163173/paynet-cloud","@type":"ListItem"},{"name":"Swan","position":10,"description":"Swan is a platform that allows banking features to be directly embedded into products. It can be used to create bank accounts, issue Mastercard cards, and enable transfers and debits using IBANs. Swan has secured an e-money license to deliver banking features across Europe.\n\n Swan includes built-in identity verification and fraud detection features.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/b6f8ceae-cdee-489b-9371-1c1d73cb3600.jpeg","url":"https://www.capterra.co.za/software/1011763/swan","@type":"ListItem"},{"name":"Revogear","position":11,"description":"Revogear is a software suite to manage electronic money payments, multi currencies and supports cryptocurrency as well. The system is based around an eWallet and provides many financial services. The Software is able to satisfy private international banks, electronic money institutions, and payment service provider institutions. Thanks to the diversity of modules, the system can also be used to adapt to your specific business needs.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/9e8e1ef2-a1ed-4c0e-ad65-2a75ba717932.png","url":"https://www.capterra.co.za/software/177144/ivypay","@type":"ListItem"},{"name":"Venn","position":12,"description":"Venn is streamlining Canadian business banking. Built by Canadians for Canadians, Venn offers a full-service banking platform designed to empower businesses with fast, easy, and affordable solutions. In just under five minutes, you can open an account and start managing your finances - all without ever stepping foot in a branch.\n\nUnlike traditional banks, Venn is designed to work the way modern businesses do. We provide everything you need in one smart, all-in-one business account. With transparent pricing, seamless global money transfers, and powerful integrations, Venn allows you to focus on running your business, not managing your banking.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/0c847f73-45e8-4f8c-9e57-bd7a625c7920.jpeg","url":"https://www.capterra.co.za/software/1061713/vault","@type":"ListItem"},{"name":"B2BPay","position":13,"description":"B2B Pay is a financial technology company that provides virtual banking services for international businesses. B2B Pay offers multi-currency IBAN accounts, crypto-to-fiat payment processing, credit card processing, startup accounts, and other solutions to help companies send, receive, and convert payments across borders.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/d584fc3f-11bb-4c7e-bc2d-9ffc42b9eceb.png","url":"https://www.capterra.co.za/software/173858/b2bpay","@type":"ListItem"},{"name":"Intelligrow","position":14,"description":"Web + Mobile Application based lending solution \nCore banking application for NBFC's and Micro finance\n\nA one suite which caters all the lending process from Lead generation, Document management, Loan origination, Loan management system, to Reports Management. \n\nFeatures are paperless process, Credit bureau integrations, Integrated with Aadhaar, SMS, Clients Mobile app for tracking their transaction, etc and Staff Mobile app for carrying out the lending process.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/4ff1456c-42b1-48fb-990e-ccf3b8754241.png","url":"https://www.capterra.co.za/software/189232/finnova","@type":"ListItem"},{"name":"Juni","position":15,"description":"Juni is a financial management platform made for ecommerce, helping you make better decisions, scale up, and unlock the potential of your online business. Juni works as hard as you do. Reduce admin with a centralised overview of your finances and 2,400+ integrations. Save on heavy FX fees with multi-currency cards and accounts. Boost your margins with 2% cashback for your first 30 days, up to 1% after. And much more. \n\nEnable subtitles for information related to Mastercard","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/381a96f5-14ab-484c-8ee1-69b464ead7e3.jpeg","url":"https://www.capterra.co.za/software/1030196/juni","@type":"ListItem"},{"name":"Square Banking","position":16,"description":"Square Banking is an all-in-one suite of financial tools designed to help small businesses manage cash flow, save automatically, and access capital — all within the Square ecosystem. It includes free business checking and savings accounts and fast access to loans, all seamlessly connected to your Square sales. Sellers can spend instantly, automate savings, and manage expenses with ease, directly from their Square Dashboard. With no monthly fees, minimums, or overdrafts, Square Banking makes smarter money management simple and accessible.\n\nDisclosure:\n\nBlock, Inc. is not a bank. Banking services are provided by Square Financial Services, Inc. or Sutton Bank; Members FDIC.\nSquare Checking is offered by Sutton Bank, Member FDIC.\n\nSavings accounts are provided by Square Financial Services, Inc. Member FDIC.\nAll loans are issued by Square Financial Services, Inc., a Utah-Chartered Industrial Bank. All loans are subject to credit approval.","image":"https://gdm-catalog-fmapi-prod.imgix.net/ProductLogo/eafbf6e5-9e46-4e5e-8ec1-43ca8f83f205.png","url":"https://www.capterra.co.za/software/1078390/Square-Banking","@type":"ListItem"}],"@id":"https://www.capterra.co.za/directory/30589/online-banking/pricing/free/software#itemlist","numberOfItems":16}
</script>
