A Proven, Robust and Resilient Digital Banking Solution
bank.VISION allows your business to deliver banking grade services via the cloud

Many consumers worldwide are not served with a bank account that suits their lifestyle.

PCT’s innovative bank.VISION is a catalyst for change. We see a future where our cloud based FinTech services open up new markets. A vision where the deployment of bank.VISION will allow our partners to improve access to banking and payments for a broader diversity of consumers.

Our cloud-based platform facilitates your business’s potential to secure quick market entry and deliver reliable and robust banking-grade financial services.

Provision of market-proven current account

Reduced implementation time and running costs

Faster Market Entry

Highly scalable and robust banking services

We have opened up the financial services sector by engineering bank.VISION

An agile, digital banking grade platform in the cloud, allowing your business to enter the market with both physical and digital branches.

Our systems can be deployed quickly to provide your consumers with the same benefits as a standard bank account via any digital portal, including iOS and Android.

Your customers receive a guaranteed Mastercard/Visa debit card that allows them to bank when they want, where they want and how they want. With wallet, bill payment, online, email and SMS alert facilities, your customers can enjoy easier money-management than ever before.

We deliver a robust and resilient platform. World-class industry architects and leading third parties including Ernst & Young have confirmed bank.VISION’s banking-level security.

Your business benefits from 24/7 client support with a secure second-line of support for complex queries and dispute handling, alongside settlement and reconciliation.

Our bank.VISION platform provides:

  • Guaranteed Debit Card
  • Personal Bank Sort Code, IBAN & Account Number
  • UK Direct Debits & SEPA Mandates
  • UK Faster Payments & SEPA Credits In & Out
  • Real Time FX
  • Bill Payment facilities
  • Retail Loyalty Club
  • BACs Clearing
  • Statements
  • Online, e-mail, SMS Alerts
  • Online, Mobile & Branch Banking
  • Billing Engine & Profiles

Our bank.VISION service offers:

  • 1st and 2nd Line Customer Contact Centre and Technical Support
  • Issuer & Scheme Settlement
  • Fraud Monitoring & Management
  • Payment Dispute Management
  • Compliance Set Up & Monitoring

Speak to one of our experts about our digital banking and payment solutions

The Change Account

The Change Account is a UK e-money-based Digital Banking proposition, for those seeking or needing an alternative to existing services.

This venture was founded by PCT and the Ex-Chairman of The Big Issue with strategic partners, such as Advice UK, Homeless Link, Pay Plan and Street UK. The Change Account is socially inclusive, offering anyone, 18 or older, a fully functioning bank account and debit card, whilst utilising innovative technologies including ‘jam jar wallets’ to support budgeting and financial management skills.

With The Change Account underserved customers now have fair access to financial products.

Banking is a critical network with parallels to an essential utility. It’s more than an industry. Success in FinTech is all about functionality, collaboration, driving innovation and delivery. bank.VISION ensures that your business can facilitate all of this in the delivery of high-quality banking services to your customers

Shaping and Guiding the Future

THE PCT HUB – The latest news and expert opinions on all the important issues within the industry

Latest video

An Post – Finding the perfect FinTech partner

An Post is Ireland’s largest postal services provider. As one of the biggest commercial organisations in the country, its services encompass mailing, communication and retail for 1.7 million weekly customers nationwide.

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Latest news

Omnio Group shortlisted in the Card and Payments Awards

Omnio Group, Wirecard and Change Account nominated for ‘Social Inclusion in Financial Services’
Omnio Group (formerly PCT and Tuxedo Money Solutions), Wirecard and Change Account are contenders for taking the crown for ‘Social Inclusion in Financial Services’ at the 2019 Card and Payments Awards.

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Latest in the media post


Monmouthshire Building Society among the first to deliver digital current account services powered by Omnio

Unisys is delivering online banking to MBS through its omnichannel banking platform, Elevate™. Launched last year, this is a dedicated financial services platform for institutions of all sizes, providing a range of services, including the origination of mortgages, loans, savings and current accounts regardless of touchpoint; from mobile banking, internet, branch or contact centre.
Omnio plays an integral role in the Elevate ecosystem, supporting the platform’s current account capabilities that are being harnessed by MBS.
Thanks to this service from Omnio and Unisys, MBS will be one of the first building societies in the UK capable of delivering seamless digital current account services across multiple channels on a cloud based platform.

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