Help new customers switch without losing a single bill.
SpendFlow is a bill pay migration assistant you can offer to new accounts. It analyzes up to 24 months of history at the customer's old bank, finds every recurring payment, and produces a clean checklist so they can move to you with confidence.
New account onboarding
Migration checklist for Jane Doe
Recurring payments
24
All identified
Est. monthly
$3,271
across accounts
Migration progress
52% on track
Wells Fargo
Loan · $1,760.00 / month
Netflix
Streaming · $15.99 / month
State Farm
Insurance · $189.00 / month
Your staff sees a clean, read-only checklist. No digging through statements or logging into the old bank.
Why banks partner with SpendFlow
Reduce onboarding friction, grow primary checking relationships, and differentiate your digital account opening without ripping and replacing your core.
Outcome
Higher funded-account conversion
Eliminate the fear of missed bills. When customers see every recurring payment mapped out, they fund confidently.
Metric focus: funded account rate, direct deposit adoption.
Efficiency
Shorter onboarding calls
Replace manual Q&A with a structured, customer-generated list. Your staff spends less time digging.
Metric focus: average onboarding time per customer.
Experience
Memorable switch experience
A modern, guided tool that builds relationship equity from day one. Customers remember who made switching easy.
Metric focus: NPS, early-life attrition.
Plug SpendFlow into your existing journey.
SpendFlow layers on top of your existing digital account opening flow. Start with a simple link or QR code, then grow into deeper integration as you see results.
No core changes. No new back-office workflow for your team.
Add SpendFlow to your welcome journey.
Link from your confirmation page, welcome emails, mobile app, or banker desktop. Customers launch SpendFlow directly from your environment.
Customers build their own migration checklist.
They connect their old bank through Plaid, review the recurring payments SpendFlow detects, and decide what to update. The bank never sees credentials, raw transactions, or any customer financial data.
Customers complete their migration independently.
SpendFlow gives them clear step-by-step instructions for updating ACH debits, bill pay items, and card-on-file subscriptions. Everything is self-service. No bank staff involvement is required.
Expand only if you choose to.
When you're ready, turn on white-label branding, custom messaging, rewards, and optional exports. SpendFlow stays read-only and separate from your core unless customers explicitly opt in to share data.
Plaid + SpendFlow only. No bank credentials or account numbers ever pass through your systems.
Built for banks & credit unions
Enterprise-grade infrastructure for regulated institutions
A fully auditable migration platform engineered for security, accuracy, and a best-in-class onboarding experience.
Platform highlights
Platform & security foundation
Plaid-based connections
Secure, consumer-permissioned read access to transaction history across 12,000+ institutions via Plaid. No credentials ever touch your systems.
Structured recurring detection
24-month transaction analysis identifies ACH debits, bill pay items, card subscriptions, and more with high accuracy.
Bank-grade security
AES-256-GCM encryption, SOC-aligned controls, and no storage of credentials or account numbers. Built for regulated environments.
Customer migration experience
Merchant-specific guidance
Step-by-step instructions for 100+ common merchants so your customers know exactly how to update each payment.
Rewards-aware migration journey
Configure milestone rewards (25%, 50%, 100%) to incentivize completion and drive engagement across your migration funnel.
White-label ready
Your branding, your domain, your customer relationship. SpendFlow stays invisible to the end user while doing the heavy lifting.
Let's talk numbers
See how SpendFlow could lift your onboarding metrics.
We'll map SpendFlow onto your existing funnel and estimate the impact on funded accounts, primary relationships, and early-life retention.
Time to launch
2–4 weeks
Core changes required
None