Tuumvs
Mambu
Mambu: If you want a more established composable core banking vendor with a longer track record
Tuum
Modular core banking platform from Estonia, formerly branded Modularbank
As of 1 September 2026, Tuum's pricing is not published; the vendor quotes on request. A cloud-native, API-first core banking platform offering more than ten banking products across four modules that a bank can turn on independently, aimed at faster cloud migration than legacy core replacement projects typically allow. Softwr lists it under APIs. Tuum is available on Web, API.
Overview
What Tuum does
Tuum provides core banking infrastructure spanning accounts, cards, lending and payments, organised into modules a bank can adopt selectively and connect to legacy systems through low-code or no-code integration middleware, aiming to let banks migrate to cloud infrastructure within months rather than the multi-year timelines typical of full core banking replacement. The fact worth noting is the rebrand: the company operated as Modularbank before renaming to Tuum, so due diligence, funding records and case studies from before the change still appear under the older name, and the two refer to the same Estonian company and platform, not a predecessor and successor product. It has since expanded from its Nordic and Baltic base toward the DACH region and the Middle East. Buyers are banks and fintechs, particularly in Europe and increasingly the Middle East, wanting modular core banking that integrates with existing legacy infrastructure rather than requiring a full rip-and-replace. The trade-off is that, like Mambu and other composable core providers, pricing is not published, and Tuum is a younger, smaller company than Mambu, meaning fewer live reference deployments and a shorter operating track record to evaluate against.
What people use it 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
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.
Cross-shopped
What people choose instead of Tuum
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- TuumvsVodeno
Vodeno: If you need banking-as-a-service bundled with an actual bank licence partnership rather than core software alone
Pricing
What Tuum costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Tuum
On request
- Subscription and module-based pricing, not published
- Custom quote required via sales
Capabilities
Features
Modular product structure
Ten-plus banking products organised into four independently adoptable modules
Low-code integration middleware
Tooling to connect the platform to legacy core systems without heavy custom development
Cloud-agnostic deployment
API- and microservices-based architecture not tied to one cloud provider
Multi-currency real-time accounts
Account infrastructure supporting real-time processing across currencies
Cards and lending modules
Card issuing and lending product configuration within the platform
Faster migration timeline
Positioned to enable cloud core migration within months rather than years
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
Is Tuum the same company as Modularbank?
Yes, Modularbank rebranded to Tuum; it is the same company and platform.
Where is it strongest geographically?
Its base is Estonia and the Nordic and Baltic region, with newer expansion into DACH and the Middle East.
Is pricing published?
No, subscription and module pricing require a sales conversation.
Keep looking
Where to go from Tuum
- Tuum alternativesEvery product people weigh against it
- Tuum pricingPlans, floors and what the tiers exclude
- Tuum badgesWhich rules it meets, and the figure behind each
- All APIs softwareThe full category
- Best APIs softwareThe shortlist, and how it was cut
Best APIs software for
Compare Tuum with
- Mambu
- Vodeno
- Fintech Farm
- Skaleet
- Weavr
- Temenos Transact
- 10x Banking
- Unit
- Griffin
- Swan
- i2c
- Solaris
- Tyk
- Volt
- WSO2 API Manager
- Zimpler
- 3scale
- Aiia
Other APIs software
Composable cloud core banking platform used by banks, lenders and fintechs in 65-plus countries
Pricing on request10 researched notesBanking-as-a-service platform running on a partner bank licence, backing NatWest's UK BaaS venture
Pricing on request10 researched notes"Neobank in a box" for banks in emerging markets, paid on a performance basis
Pricing on request10 researched notesCloud-native core banking and payment hub with deployments measured in months
Pricing on request11 researched notesPackaged embedded finance for B2B SaaS, with an in-house EU e-money licence
Pricing on request11 researched notesEstablished core banking system used by banks in over a hundred countries
Pricing on request11 researched notesCloud-native core banking platform built for large incumbent bank migrations
Pricing on request11 researched notesBanking as a service platform for embedding deposit accounts, cards and payments, with a sponsor bank behind it
Pricing on request14 researched notesUK banking-as-a-service from a company that holds its own full banking licence
From £100/mo11 researched notesEuropean banking-as-a-service platform for embedding accounts, cards and payments into other products
Pricing on request10 researched notesConfigurable card issuing and banking processing platform for banks and programme managers
Pricing on request11 researched notesGerman banking as a service with a full banking licence and a live regulatory problem
Pricing on request11 researched notesAccount-to-account pay by bank across Europe, the UK, Brazil and Australia
Pricing on request11 researched notesComplete API management platform for designing and managing APIs
Free plan14 researched notesNordic and Brazilian account-to-account payments for regulated high-risk sectors
Pricing on request11 researched notesAPI management platform for designing, securing, and monetizing APIs
From $300/monthly10 researched notesOpen banking and open finance API platform, now operating as Mastercard Open Banking
Pricing on request10 researched notes
Softwr does not host reviews and shows no star rating for Tuum, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
More on Tuum
Tuum alternatives
What people switch to, and what they give up
Tuum pricing
Every tier, and where the cost actually lands
Compare Tuum
Put it head to head with anything we hold
Tuum badge
Its rating, and an embed for your own site
Best APIs software alternatives
European bank API aggregation with a free restricted production tier for your own accounts
Per connected account per month
Digital and AI-native engagement banking platform for customer-facing banking experiences
quote