Est. 1987 · Singapore

It all adds up.

Retail, commercial, and wealth banking for 14 million people and 82,000 small businesses across 28 countries. Compounding quietly since before the internet did.

14M
Retail customers
82K
SMB customers
28
Countries served
420*
Bots in production*

*Yes, that number. Our automation COE is very proud.

Our businesses

One bank, three ways we show up.

Whether you are buying your first home, growing a commercial lending book, or running internal shared services, the same ledger is working for you.

Retail

Accrual Retail

Everyday banking, cards, and wealth for 14M customers. Compound Checking, Milestone Mortgage, and the ever-dependable Ledger Line of Credit.

Explore Retail
Commercial

Accrual Capital

Commercial lending, SME, corporate banking, and treasury services for fast growing mid-market companies across Asia, EMEA, and LATAM.

Explore Capital
Services

Accrual Services

Our internal shared services and people operations function. Onboards the hires, pays the invoices, and keeps the bank running. Quietly.

About Services
From the CEO
"Forty years in, we still believe the best banks are boring in the places that should be boring, and curious everywhere else."
Priya Ravindran, Chief Executive Officer
Newsroom

The latest from Accrual.

Announcements, product releases, and the occasional confession that our board asked about AI on a Thursday and we had an answer by the following Tuesday.

Global hubs

Singapore. London. Mumbai.

Three equal-weighted hubs support 14 million customers across 28 countries. No single headquarters. Three regions, three mandates, one runtime.

Global HQ

Singapore

Platform team, automation COE, APAC retail and commercial.

EMEA hub

London

Commercial lending, mid-market credit, capital markets advisory.

South Asia hub

Mumbai

India retail, South Asia expansion, engineering capacity.

See all locations

Ready to compound?

Open an account in ten minutes. Or less. We have been compounding since 1987, so we do not rush you, but we will not waste your time either.