Softwr

APIs · head to head

Tuum vs Zimpler

Tuum logo

Tuum

APIs

Modular core banking platform from Estonia, formerly branded Modularbank

From
On request
Rated
-
Full reviewWebsite
Zimpler logo

Zimpler

APIs

Nordic and Brazilian account-to-account payments for regulated high-risk sectors

From
On request
Rated
-
Full reviewWebsite

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.; Zimpler pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • They diverge on capability: Tuum covers Modular product structure, Zimpler covers Bank payments.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Tuum and Zimpler actually diverge.

Attributes where Tuum and Zimpler differ
AttributeTuumZimpler
PlatformsWeb, APIWeb, REST API

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 Zimpler

  • Bank payments
  • BankID identity
  • Payouts
  • Recurring payments
  • Risk screening
  • Brazil coverage

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 Zimpler
  • A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Zimpler
  • An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Zimpler
  • A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot Zimpler

Zimpler

  • A Swedish gambling operator needing deposit and verified identity in a single customer flownot Tuum
  • A Nordic merchant wanting instant bank payouts rather than card refundsnot Tuum
  • A trading platform where confirming account ownership before funding is a regulatory requirementnot Tuum
  • A European operator expanding into Brazil and wanting one provider across both marketsnot 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.

Zimpler

  • Pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • As a payment facilitator carrying merchant risk, it declines or offboards merchants on risk grounds, which makes it a dependency you cannot assume will persist.
  • Its strength is concentrated in the Nordics, and coverage in southern and eastern Europe is thinner than pan-European account-to-account specialists.
  • Revenue concentration in iGaming ties the provider to a sector under constant regulatory change, so licence changes in one market affect the supplier as well as the merchant.
  • Bank transfers have no chargeback protection, so disputes are handled commercially and consumers used to card protections may resist the payment method.

Pricing, plan by plan

Tuum

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

Zimpler

On request
  • Zimpler payments$undefined/year
    • Per-transaction pricing quoted by industry, risk and volume
    • Separate pricing for payouts and identity verification
    • Merchant underwriting required, with sector restrictions

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 Zimpler if

  • You need bank payments.
  • You work on Web, REST API.
  • You also want bankid identity.
Zimpler review

Questions people ask

Is Tuum or Zimpler better?
Neither clearly leads. Tuum starts at On request and Zimpler at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Tuum or Zimpler?
Tuum starts at On request and Zimpler at On request.
Does Tuum or Zimpler run on more platforms?
Tuum runs on Web, API. Zimpler runs on Web, REST API.
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 Zimpler is typically brought in for.
What can Tuum do that Zimpler cannot?
Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts. Zimpler covers Bank payments, BankID identity, Payouts, Recurring payments.

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.

Zimpler: Which markets does Zimpler cover?

Sweden and the Nordics primarily, plus the wider EU and Brazil. It is strongest where national electronic identity schemes exist.

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.

Zimpler: Does it handle identity verification?

Yes. In the Nordics it captures BankID identity alongside the payment, which removes a separate verification step.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

Zimpler: Is pricing published?

No. It is quoted per merchant based on sector, risk and volume, and merchants must pass underwriting first.

Share

Related pages

More on Tuum

More on Zimpler

Keep looking

Other head to heads