Macrobank is a fully integrated digital core banking platform built for payment institutions, electronic money institutions, and fintech companies. It brings together customer management, multi-rail payment processing, financial accounting, and real-time reconciliation in a single system — so firms can run operations and meet regulatory obligations without managing separate tools.
Unlike most core banking platforms, Macrobank includes a built-in financial accounting module as standard. This means firms run their full general ledger, track financial positions in real time, and maintain audit-ready reconciliation records in the same system they use to manage customer accounts and process payments — with no third-party accounting integration required.
Built for FCA-regulated firms
Macrobank is built around the operational and safeguarding requirements of UK payment and e-money firms. Its accounting and reconciliation architecture supports key CASS 15 processes from 7 May 2026, including daily reconciliations, audit trails and safeguarding separation controls for in-scope firms.
Chart of accounts
A pre-configured, structured chart of accounts designed for payment and e-money institutions, covering assets, liabilities, equity, income, expenses, and off-balance-sheet items.
- Financial accounting and bookkeeping in one system — no separate accounting tool required alongside the core banking platform.
- Full General Ledger (GL) with statement of accounts, extended balance sheet, and trial balance reporting available directly from the back office.
- Multi-currency accounting with configurable currency rates, including central bank rate feeds and currency rate prioritisation.
- GL entries linked directly to transactions, giving a complete, traceable record from the accounting entry back to the originating payment event.
Double-entry bookkeeping
Every transaction is recorded as a balanced debit and credit entry, supporting consistent accounting records and audit trails.
- GL entries are created automatically from payment and transaction events, eliminating manual input and the bookkeeping errors that manual processes introduce.
- Complete GL history with full audit trail: every entry can be viewed, traced, and reconciled back to its originating transaction.
- Profit and Loss reporting generated directly from the GL, giving accurate financial statements at any point in time without data exports or manual consolidation.
Correspondent accounts
Full nostro and vostro account management, giving firms real-time visibility of positions across their correspondent banking relationships.
- Tracks balances across all correspondent accounts in real time, supporting accurate liquidity management and position monitoring across multiple banking relationships.
- Supports nostro transfers and nostro currency exchange directly within the platform, with corresponding account balance reports and grouping.
- Enables clear separation of own funds and relevant funds at the account level – a core safeguarding control for in-scope payment and e-money firms under the PSRs, EMRs and CASS 15.
- Correspondent account balances feed directly into the reconciliation engine, ensuring accounting positions and safeguarding positions are always consistent.
Real-time reconciliation
Automated reconciliation infrastructure designed to support safeguarding controls under CASS 15 from 7 May 2026. For in-scope firms, CASS 15 introduces daily safeguarding reconciliation requirements. Macrobank helps automate these workflows and produce structured evidence for safeguarding audit and oversight reviews.
- Runs automated daily safeguarding reconciliations, including internal reconciliation, D+1 segregation checks and external account matching.
- Real-time visibility of safeguarding positions: firms identify shortfalls, breaks, and exceptions as they arise rather than discovering them during periodic review or audit.
- Dedicated reconciliation report built into the platform – a structured,audit-ready output designed to support safeguarding audit evidence requests and oversight reviews.
- Moves safeguarding reconciliation out of spreadsheets and manual workarounds into controlled ledger workflows, reducing manual error risk and helping firms address the recordkeeping and reconciliation weaknesses highlighted by the FCA
Want to see Macrobank in action?
Book a demo and we will walk you through the platform.
