Tuum
Composable & API-first · Tallinn · est. 2019
Private (CommerzVentures, Speedinvest)
Overview
Modular, API-first core (formerly Modularbank), sold module by module or as a full replacement. European challenger listed on AWS Marketplace.
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: confirmed
Region
- UK: confirmed
- Europe / EU: confirmed
Products
- Current accounts: confirmed
- Savings / deposits: confirmed
- Lending: confirmed
- Mortgages: not publicly disclosed
- Cards: confirmed
- Payments: confirmed
- Wealth: not offered
- 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: not publicly disclosed
- On-premise: not publicly disclosed
Compliance
- ISO 27001: confirmed
- SOC 2: not publicly disclosed
- DORA statement: not offered
Reference clients EU/UK
- LHV UK
- OP Financial Group
- Multitude Bank
- Bondora
- Fiinu
Pricing model
Not disclosed (SaaS, AWS Marketplace).
Latest
Jun 2026: Gregor Dobbie (ex-Vocalink) appointed CEO; expanded Islamic banking suite and first Middle East wins.