Core banking cost & ROI calculator
Estimate what running your institution on Sika costs, and your first-year saving versus a legacy core or building in-house. Move the slider to your size.
Directional estimate only. Alternative costs and timelines vary widely by scope, team, and vendor; the figures shown are illustrative industry ranges, not a quote. Sika’s figures are the published price for a book of this size; Enterprise is priced on application. The slider recommends the lowest-priced plan that holds your book. Susu operators can use the Community track at GH₵218,750/month for 1,500 members instead. See full pricing.
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Cost & pricing: FAQ
How much does core banking software cost?
Sika is a monthly subscription. Plans are from GHS 118,750 a month. Enterprise is priced on application: talk to us and we will size it to your book. Launch, Scale, and Enterprise run the same core and differ in how many customers and staff they hold. Community is a separate plan for Susu operators. Probitas and Tumi are premium add-ons on every plan, including Enterprise. That is still a fraction of a typical Oracle FLEXCUBE licence-plus-implementation programme. Use the calculator to size by customer count.
How does Sika’s cost compare with legacy core banking or building in-house?
Oracle FLEXCUBE-class programmes often combine a large software licence with a multi-million-dollar implementation and annual maintenance of 15–25% of the licence. Global SaaS cores such as Temenos or Mambu are commonly negotiated in the mid-five to mid-six figure USD per year band. Sika replaces both with a transparent GHS subscription and a weeks-long launch. The calculator shows a directional first-year comparison against a FLEXCUBE-class programme and an in-house build.
Are the savings figures a quote?
No. The alternative costs and timelines are illustrative industry ranges, not a quote, because they vary widely by scope and vendor. Sika’s own plan pricing is exact. Talk to us for a tailored proposal.
Launch your institution on Sika
From application to your own branded core banking, live in weeks, not years.