Banking-as-a-Service Cost Calculator

BaaS platform cost from features and user volume.

Platform base fee ($/mo)

Active accounts

Per-account fee ($/mo)

Monthly transactions

Per-transaction fee ($)

New accounts/month

KYC cost per account ($)

Compliance overhead (%)

Tab to move between fields

Total monthly BaaS cost

$12,100.00

≈ 8 months of rent

Annual BaaS cost

$145,200.00

≈ 10 used cars

Cost per account ($/mo)$2.42

Cost per transaction ($)$0.24

Account fees$2,500.00

Transaction fees$5,000.00

KYC/onboarding cost$1,000.00

Compliance overhead$1,100.00

How to Use This Calculator

Enter Platform base fee ($/mo), Active accounts, and Per-account fee ($/mo).
Set Monthly transactions, Per-transaction fee ($), and New accounts/month.
Adjust KYC cost per account ($), Compliance overhead (%) as needed.
Review Total monthly BaaS cost ($) and Annual BaaS cost ($).
Use Cost per account ($/mo) ($) and Cost per transaction ($) ($) to inform your decision.

How the result changes with Monthly transactions

Platform base fee ($/mo): Monthly SaaS fee charged by the BaaS provider (e.g., Unit, Treasury Prime, Column).
Active accounts: Total number of end-user accounts currently provisioned on the platform.
Per-account fee ($/mo): Monthly fee charged per active account (typically $0.25-$2.00).
Monthly transactions: Total card, ACH, and wire transactions processed per month.
Per-transaction fee ($): Fee per transaction (ACH ~$0.05-0.25, card ~$0.10-0.30, wire ~$1-5).
New accounts/month: Number of new users onboarded per month requiring KYC verification.
KYC cost per account ($): Identity verification cost per new user (typically $1-5 for KYC, $10-50 for KYB).
Compliance overhead (%): Additional compliance cost as percentage of direct BaaS costs (legal, audit, BSA/AML monitoring).

Total monthly BaaS cost: All-in monthly cost including platform fees, per-account fees, transaction fees, KYC, and compliance.
Annual BaaS cost: Projected total BaaS cost over 12 months.
Cost per account ($/mo): Fully loaded monthly cost per active account — key unit economic for profitability analysis.
Cost per transaction ($): Fully loaded cost per transaction including overhead allocation.
Account fees: Monthly fees from per-account charges.
Transaction fees: Monthly fees from per-transaction charges.
KYC/onboarding cost: Monthly cost for identity verification of new accounts.
Compliance overhead: Estimated monthly compliance, legal, and audit costs.

Identify Input Parameters
4 parameters
Platform base fee ($/mo) = 2500, Active accounts = 5000, Per-account fee ($/mo) = 0.5, Monthly transactions = 50000 = 8 input(s) provided
Calculate Total monthly BaaS cost
Total monthly BaaS cost = directCost + complianceCost
12100 = $12,100
Calculate Annual BaaS cost
Annual BaaS cost = totalMonthlyCost * 12
145200 = $145,200
Calculate Cost per account
Cost per account = activeAccounts > 0
2.42 = $2.42
Calculate Cost per transaction
Cost per transaction = monthlyTransactions > 0
0.242 = $0.242