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Configurable bank products
Accounts
Deposit accounts, built for modern banking.
Constantinople supports a wide range of retail and business accounts, fully configurable to your product strategy, pricing, and customer experience.
Modern transaction accounts for individuals and businesses.
Core features
Configurable fees, interest rates and product bundles
Custom account naming
Self-service statements and mailhouse integrations
Accounting software integrations (e.g. Xero, MYOB)
Data access controls and multi-user permissioning
Payments & transfers
Integrated debit card with Apple Pay & Google Pay
Instant digital wallet provisioning
Real-time payments and scheduled transfers
Bill payments
Payment approvals, limits and cut-offs
Cash deposit support (via branch)
Automated sweep functionality
International payments (coming soon)
Money management tools
Smart insights and spend categorisation
Enriched transactions with merchant logos and maps
Powerful search, filters
Receipt capture, tagging and custom categories
Budgeting tools and automated spend analysis
Balance alerts and proactive notifications
Payments
Integrated, intelligent payments built into the platform.
Constantinople manages the operation of payment networks so your teams don’t have to. We deliver end-to-end payments for individuals and businesses, across real-time, scheduled, and bulk channels with built-in controls, automation, and visibility.
Our orchestration layer supports ISO 20022 and real-time rails across key markets, with adapters for domestic and cross-border payments.
Real-time payments
PayID (use mobile or email)
Recurring payments with pre-authorised payees
Bill payments with scan and autopay
Bulk clearing for batch payments and payroll
Cross-border payments and FX (coming soon)
Cards
Modern debit and credit cards issued, managed and customised for your brand.
Launch debit, credit, and rewards cards for retail and business customers.
Issue fully branded physical and digital cards with instant activation and full lifecycle control.
Custom card artwork and design
Physical card EMV chip, contactless and embossing
Instant wallet provisioning (Apple Pay & Google Pay)
Real-time spend tracking and notifications
Self-service activation, replacement and cancellation
Fully integrated with customer accounts
Secure APIs for custom app experiences
Mortgages
Fully configurable end-to-end mortgages.
Constantinople supports a full spectrum of home loans fully configurable to your needs. AI-assisted originations and automated credit decisioning accelerate time to yes, while built-in servicing workflows handle everything from variations to hardship.
Support for a variety of home loans.
First home buyers with specialised assessment flows
Home purchase applications, including pre-approvals
Refinance applications
Broker-originated applications
Reverse mortgages
Construction loans with progressive drawdown management
Workflows to support a wide range of borrower types.
Individual borrowers (employed and self-employed)
Joint applications with multiple applicants
Trusts and SMSFs
Business entities (sole traders, companies, partnerships)
Consumer & business loans
Flexible lending products. Secured or unsecured, retail or business, all fully automated.
Constantinople supports a full suite of personal and business credit products, with origination, decisioning, and servicing built into the platform.
Support secured and unsecured lending products for consumers with fast origination, flexible configuration and full lifecycle servicing.
Personal & vehicle loans, credit cards, overdrafts
Integration with asset registers for instant valuation
Digital acceptance of contracts, disclosures and terms
Real-time loan funding and security registration
Configurable terms, rates and fee structures
Smart notifications for limits, repayments and fees
End-to-end servicing
Digital origination with AI credit decisioning, serviceability assessment and income verification
