Bank Account Unit Economics
Model the profitability of a single deposit account — net interest income, servicing costs, fee revenue. Coming soon.
Coming soon
An interactive calculator for deposit account unit economics is on the roadmap. The eventual tool will let you stress-test a single account from the issuer’s side.
What this tool will model
Bank account economics turn on three numbers most decks gloss over: the yield the bank earns on the deposit balance, the fee and interchange revenue per active month, and the fully-loaded servicing cost per account. Get those three right and the rest is arithmetic.
Inputs will include:
- Average deposit balance per account
- Yield earned on deposits (typically Fed funds or a short-duration asset yield)
- APY paid to the customer, if any
- Debit interchange revenue (transactions/month × average ticket × interchange rate)
- Monthly account fees and overdraft revenue
- Per-account servicing cost — card issuance, fraud, customer support, compliance, hosting
Outputs will surface per-account annual revenue, fully-loaded cost, net profit, and the breakeven balance threshold below which the account is unprofitable. Once you know that breakeven, you can reason about who you’re actually trying to acquire.
Use the full model in the meantime
The Google Sheets bank account model covers the same economics at portfolio scale, including balance dynamics across savings and debit accounts and the impact of inactive accounts on blended profitability.