Helping people feel good about money

We’ve built the simplest way for people to turn around their finances, using Open Banking data and AI.

Our SaaS Platform helps businesses do the same for their customers.

The latest

PFM - Financial wellbeing tools

Who we work with

We’re helping banks, fintechs, lenders and brokers get ahead of the competition with our B2B solutions.

The Frollo SaaS Platform

Frollo modular SaaS Platform

The Frollo SaaS Integration Platform sits at the core of the Frollo ecosystem, bringing together our AI engine, API’s, partner integrations and CDR (Open Banking) solutions.

The modular nature of our platform means you can pick and choose the building blocks to suit your needs.

Open Banking

Frollo is leading the charge in Open Banking in Australia. 

The Frollo Open Banking platform makes it easy to integrate CDR data into your app, with plug & play access to Open Banking powered solutions for PFM and lending.

AI powered Data Enrichment

Turn raw transaction data into meaningful insights using our AI, to improve lending decisions, user experience and customer insights.

Use Open Banking data, screen scraping, direct API’s or all of the above, with consistent performance across all data sources.

Personal Finance Management

Help your customers turn around their finances by providing them with a market leading Personal Finance Management solution.

Integrate our features into your own app using SDKs and APIs, or get your own white label app.


Streamline credit decisions, reduce cost and improve Time To Yes by creating comprehensive, real time financial profiles of your customers.

Our market leading AI engine uses Open Banking data to provide you with a real time Statement of Financial Position.

Case Studies

  • Frollo B2C
  • Volt Labs
  • Volt Bank
  • Speckle
  • Home Loan Ready
  • Virgin Money Australia

Frollo B2C


We’re on a quest to help people feel good about money. Help them reduce their debt, increase their savings and reduce their financial stress.


We’ve built the simplest way for people to turn around their finances. Through the use of Open Banking data, AI and powerful PFM tools the Frollo B2C app has a real, positive impact on the financial wellbeing of our users.

Volt Labs


Volt Bank was waiting for APRA approval to launch core banking products and didn’t yet have an app in market. They wanted to engage the community of early adopters signed up as beta customers and start building products based on learnings from users.


By launching a ‘labs app’ with Frollo, the neobank was able to start more meaningful co-creation conversations and product testing with their beta customers and pre-seed their new account opening pipeline with a deeper level of customer data.



Volt Bank

Volt bank logo black white


After launching their savings account, Volt Bank was looking to launch a feature inside the Volt Bank app to help their customers develop a saving habit.


Volt Bank used the Frollo SDKs to quickly integrate the proven PFM functionality Frollo offers.
Frollo supplemented the Volt iOS and Android teams with developers to accelerate the integration of the SDK. They also integrated user authentication and transaction enrichment at this stage, making it easy to rapidly roll out new features.


Volt Bank was able to quickly launch their goals feature, using the Frollo SDK to integrate in their app.



Providing financial wellbeing tools to their customers using a Frollo white label app.

speckle loans


Speckle is an Australian not-for-profit, providing small loans for life’s expenses. They were looking for a way to help their customers better understand their finances and pay down their debts.


The Frollo lending whitelabel app gives Speckles’ customers the full picture of their finances, by integrating with their loan management system as well as aggregating other accounts and loans their customers have.

The personalised ‘debt journey’ helps their customers on their way to pay down debt and turn around their finances.

Home Loan Ready


An Australian Tier 1 lender wanted to help its customers feel more confident about being able to afford potential mortgage repayments, while at the same time acquire additional data to support their lending decisions.


The Home Loan Ready app challenges users to prove that they will make future repayments should they take on a new or increased home loan. The app enables users to set the size of future home loan payments, Frollo then tracks their goal payments and the user’s comfort-level with that commitment.

The lender was able to use this data for insights into share of wallet, potential loan size, savings and timing for loan offers.

Virgin Money Australia

Using Frollo PFM APIs to power their digital bank app.

Virgin Money logo black white


Virgin Money has launching a new digital bank in 2021 and was looking to differentiate by integrating innovative digital money management and financial wellbeing features in their app.

All of this within a compressed time frame.


Virgin Money will be utilising the Frollo SaaS Integration Platform for transaction enrichment, AI driven categorisation, spend breakdown & insights, goal setting, bill tracking and budgeting to provide their customers with a market-leading mobile banking experience.
They’re able to rapidly deploy by using the proven and well documented Frollo APIs.

Virgin Money Australia - PFM features

Take a look at our latest report

The State of Open Banking in Australia was published in November 2020.

The report is based on interviews with key industry leaders and a survey of 161 finance and broking professionals across Australia’s financial sector.

It highlights there’s a strong appetite for investment in Open Banking and a broad variety of popular use cases that could revolutionise the way Australians engage with their finances.

We have quite a few Frollowers

With more than 120,000 users signed up to our award-winning app, we’re getting more-and-more interest from neobanks, traditional banks, FinTechs and lenders who want to get ahead in an Open Banking world.

Get in touch to discuss how we can help you improve the financial wellbeing of your customers.

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