Oracle FLEXCUBE
Incumbent enterprise · Austin (Oracle Corp.) · est. 1997
Oracle Corporation via Oracle Financial Services Software
Overview
Oracle's universal banking core, combined with Oracle Banking Cloud Services that run exclusively on Oracle Cloud Infrastructure (OCI).
Fact base
As of Sep 2026 · public sources only
confirmednot offerednot publicly disclosed
Institution type
- Tier 1 bank: confirmed
- Tier 2/3 bank: confirmed
- Challenger / neobank: confirmed
- Fintech: confirmed
- BaaS / embedded finance: not publicly disclosed
Region
- UK: confirmed
- Europe / EU: confirmed
Products
- Current accounts: confirmed
- Savings / deposits: confirmed
- Lending: confirmed
- Mortgages: confirmed
- Cards: confirmed
- Payments: confirmed
- Wealth: confirmed
- Multi-currency: confirmed
Payment schemes
- SEPA: not publicly disclosed
- SEPA Instant: not publicly disclosed
- TARGET2: not publicly disclosed
- ISO 20022 native: confirmed
Deployment
- Cloud-native: confirmed
- SaaS: confirmed
- Private cloud: confirmed
- On-premise: confirmed
Compliance
- ISO 27001: not publicly disclosed
- SOC 2: not publicly disclosed
- DORA statement: not offered
Reference clients EU/UK
- Weatherbys Bank
- Bank of London and The Middle East
- CEMAH (Portugal)
Pricing model
Licence (FLEXCUBE) plus subscription (Oracle Banking Cloud Services).
Latest
Feb 2026: Oracle launches an agentic AI platform for banking with agents for credit decisioning, collections call summaries and compliance checks, with 'hundreds' more promised within 12 months. Apr 2026: extended to corporate banking.