A complete core banking system with 17+ modules covering every operation—from customer onboarding to regulatory compliance. Free, secure, and fully customizable.
Wednesday, January 1, 2026
Complete banking operations in one platform
A complete suite of modules covering every aspect of banking operations, from customer onboarding to regulatory compliance.
Complete customer onboarding with KYC verification, risk classification, and document management.
Multiple savings products with interest calculation, dormancy management, and statement generation.
Checking accounts with overdraft facilities, cheque management, and standing orders.
Term deposits with flexible tenures, interest payout options, and auto-renewal.
Complete loan lifecycle from application to disbursement, repayment, and provisioning.
Investment products including treasury bills, bonds, mutual funds, and portfolio tracking.
Cash management with teller sessions, vault transfers, and denomination tracking.
Multi-branch support with inter-branch transfers and branch-level reporting.
Configurable banking fees with tiered pricing, waivers, and automatic deduction.
Regulatory compliance with audit trails, maker-checker workflow, and AML monitoring.
Enterprise-grade access control with roles, permissions, and delegated authority.
Automated end-of-day, week, month, quarter, and year batch processing.
180+ banking reports covering customers, deposits, loans, and regulatory returns.
Support for multiple currencies with exchange rate management and FX positions.
Full mobile and internet banking APIs for customer self-service.
Letters of credit, bank guarantees, and documentary collections.
Money market deals, FX dealing, and nostro account management.
Multi-level approval workflow with delegation and expiry support.
Enterprise-grade architecture designed for scalability, security, and performance.
Complete General Ledger with banking-specific chart of accounts. Every transaction automatically creates proper GL entries.
1000 - ASSETS 1100 - Cash & Bank 1200 - Loans & Advances 1300 - Investments 2000 - LIABILITIES 2100 - Customer Deposits 2200 - Borrowings 3000 - EQUITY 3100 - Share Capital 3200 - Retained Earnings 4000 - INCOME 4100 - Interest Income 4200 - Fee Income 5000 - EXPENSES 5100 - Interest Expense 5200 - Operating Expenses
Nova CBS is MIT licensed. Deploy it on your own infrastructure, customize it to your needs, and contribute back to the community.