Banking software that doesn't lie about what it does.
Central Bank gives you real accounts, a real double-entry ledger, real transfers, cards, loans and statements — all backed by a Postgres database.
Real double-entry ledger
Every dollar movement is two balanced ledger rows inside a serializable transaction, with DB-level invariants.
Bank-grade auth
Argon2id password hashing, TOTP 2FA, device tracking, rate limiting, and a full audit trail.
Cards you control
Issue virtual cards instantly, freeze them in a tap, and set spending limits per card.
Savings that grow
Fixed deposits with real interest accrual, plus flexible savings goals with auto-save.
Loans, properly amortized
Apply, get underwritten by a transparent credit model, and repay on a standard amortization schedule.
Statements & insights
Download PDF/CSV statements and see where your money goes, month over month.