Is Tuum or Unit better?

Neither clearly leads. Tuum starts at On request and Unit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Tuum or Unit?

Tuum starts at On request and Unit at On request.

Does Tuum or Unit run on more platforms?

Tuum runs on Web, API. Unit runs on Web, iOS, Android.

What is Tuum best used for?

Tuum is most often used for a bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at once, a fintech in the dach region or middle east wanting a european core banking vendor with regional expansion focus, an institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuild, a company researching "modularbank" that needs to confirm it is the same company now branded tuum. Of those, a bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at once and a fintech in the dach region or middle east wanting a european core banking vendor with regional expansion focus are not what Unit is typically brought in for.

What can Tuum do that Unit cannot?

Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts. Unit covers Deposit accounts, Card issuing, Payments, White label components.

APIs · head to head

Tuum vs Unit

Tuum

APIs

Modular core banking platform from Estonia, formerly branded Modularbank

From: On request
Rated: -

Full review Website

Unit

APIs

Banking as a service platform for embedding deposit accounts, cards and payments, with a sponsor bank behind it

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: Tuum it is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.; Unit your product depends on a sponsor bank you do not contract with directly, and 2024 showed what that means: Thread Bank received an FDIC enforcement action naming its banking as a service programmes and Blue Ridge Bank went under an OCC consent order and offboarded fintech partners.
They diverge on capability: Tuum covers Modular product structure, Unit covers Deposit accounts.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Tuum and Unit actually diverge.

Attributes where Tuum and Unit differ
Attribute	Tuum	Unit
Platforms	Web, API	Web, iOS, Android

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Tuum

Modular product structure
Low-code integration middleware
Cloud-agnostic deployment
Multi-currency real-time accounts
Cards and lending modules
Faster migration timeline

Only in Unit

Deposit accounts
Card issuing
Payments
White label components
Compliance operations
Lending
Programme reporting
Sandbox

What people use each for

The jobs each tool is most often brought in to do.

Tuum

A bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at oncenot Unit
A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Unit
An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Unit
A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot Unit

Unit

A vertical SaaS platform for contractors that wants to hold customer funds and issue expense cards without pursuing a charternot Tuum
A payroll or benefits platform embedding accounts so employees can be paid ahead of schedulenot Tuum
A marketplace that wants seller balances to sit in real accounts under its own brand rather than as ledger entries at a processornot Tuum
A company that needs interchange revenue from a card programme to make the unit economics of its core product worknot Tuum

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Tuum

It is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
The 2022-era rebrand from Modularbank to Tuum means older funding records, case studies and press coverage appear under a different name, complicating due diligence for anyone unaware of the change.
Pricing is entirely unpublished, requiring a sales conversation to budget against competing composable core vendors.
Its geographic expansion into DACH and the Middle East is comparatively recent, so support depth and local regulatory expertise in those markets are less proven than in its home Baltic and Nordic base.
As with any core banking platform, choosing Tuum is a multi-year infrastructure commitment; switching cores after implementation is a major undertaking regardless of how modular the initial adoption was.

Unit

Your product depends on a sponsor bank you do not contract with directly, and 2024 showed what that means: Thread Bank received an FDIC enforcement action naming its banking as a service programmes and Blue Ridge Bank went under an OCC consent order and offboarded fintech partners.
Programme approval by the bank is a separate gate from signing with Unit, and it can add months and impose product restrictions that were not visible during the commercial conversation.
Compliance obligations are shared but the operational load lands on you, and platforms consistently underestimate the staffing needed for disputes, escalations and the bank ongoing oversight requests.
Pricing is unpublished and blends platform fees, per-account and per-transaction charges and interchange sharing, which makes it hard to model unit economics before you have volume and easy to be surprised by the minimum.
Migrating a live deposit programme to a different provider or bank is extremely disruptive because it involves moving customer accounts and card credentials, so switching costs are far higher than for ordinary software.

Pricing, plan by plan

Tuum

On request

Tuum$undefined/year
- Subscription and module-based pricing, not published
- Custom quote required via sales

Unit

On request

Unit Banking as a Service$undefined/year
- Platform fee plus per-account and per-transaction charges, quoted
- Interchange sharing arrangements negotiated per programme
- Minimum commitment typical

Which should you pick?

Choose Tuum if

You need modular product structure.
You work on Web, API.
You also want low-code integration middleware.

Tuum review

Choose Unit if

You need deposit accounts.
You work on Web, iOS, Android.
You also want card issuing.

Unit review

Questions people ask

Is Tuum or Unit better?: Neither clearly leads. Tuum starts at On request and Unit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Tuum or Unit?: Tuum starts at On request and Unit at On request.
Does Tuum or Unit run on more platforms?: Tuum runs on Web, API. Unit runs on Web, iOS, Android.
What is Tuum best used for?: Tuum is most often used for a bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at once, a fintech in the dach region or middle east wanting a european core banking vendor with regional expansion focus, an institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuild, a company researching "modularbank" that needs to confirm it is the same company now branded tuum. Of those, a bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at once and a fintech in the dach region or middle east wanting a european core banking vendor with regional expansion focus are not what Unit is typically brought in for.
What can Tuum do that Unit cannot?: Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts. Unit covers Deposit accounts, Card issuing, Payments, White label components.

Answered from the vendors’ own pages

Tuum: Is Tuum the same company as Modularbank?

Yes, Modularbank rebranded to Tuum; it is the same company and platform.

Unit: Who actually holds the money?

A chartered partner bank, not Unit. Deposits sit at the sponsor bank and FDIC insurance flows from that bank, so its condition is your condition.

Tuum: Where is it strongest geographically?

Its base is Estonia and the Nordic and Baltic region, with newer expansion into DACH and the Middle East.

Unit: What happened with Unit sponsor banks in 2024?

Thread Bank received an FDIC enforcement action that explicitly named its banking as a service and lending as a service programmes, and Blue Ridge Bank was under an OCC consent order from January 2024 and offboarded fintech partners. Blue Ridge exited the order in late 2025.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

Unit: What does Unit cost?

Not published. Expect a platform fee, per-account and per-transaction charges, an interchange share and a minimum commitment.

Unit: Do we need our own compliance team?

Yes. Unit supplies tooling and the bank sets the rules, but disputes, escalations and evidence for bank oversight require named people on your side.

Tuum vs Unit

Tuum

Unit

The short version

Where they differ

What each one covers

Only in Tuum

Only in Unit

What people use each for

Tuum

Unit

Where each one falls short

Tuum

Unit

Pricing, plan by plan

Tuum

Unit

Which should you pick?

Choose Tuum if

Choose Unit if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Tuum

More on Unit

Keep looking

Other head to heads