An AI Banker That Answers Every Customer Call in Seconds

5.0

ON G2

An AI banker is a voice agent that picks up your phone line instantly, verifies the caller, and answers account and loan questions from your own systems. Retell AI puts one on your institution's number: it handles balance and transaction questions, loan status and payment details, fraud-alert callbacks, and payment arrangements, then transfers the calls that need a licensed banker with the full transcript attached. It works on your existing number and runs 24/7, in 31+ languages, without adding headcount.

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Trusted by over 3,000 businesses powering 30+ million calls per month.

How It Works

Go from build to a live banking call in a day, on your existing number.

Build the agent

Point the agent at your product pages, rate sheets, FAQ, and policies through a knowledge base that syncs as that content changes, so it quotes the same rates and terms your branch staff do. Define the call flow with a drag-and-drop builder: greeting, caller verification, intent detection, account lookup, resolution, and transfer rules, all trained on your compliance standards and product rules. No engineering team is required for a standard agent.

Test against banking scenarios

Run the agent through simulation against common banking scenarios before it touches a customer: balance checks, loan status, disputed charges, payment plans, and frustrated-caller edge cases. Each run scores accuracy and shows where the agent guesses instead of looking up, so you fix the flow, rerun, and validate at volume rather than finding gaps in production.

Connect your line and go live

Connect your line through SIP trunking and route calls to the agent, all of them or a percentage for a parallel pilot, and set the exact conditions for human escalation, like disputes, hardship, or any request for a licensed rep. Go live on one queue, confirm resolution rates, then expand. Existing carriers and phone numbers stay in place.

Monitor and retrain

Every call is transcribed, scored for sentiment, and tagged by outcome. Watch first-call resolution and transfer rate in a dashboard, catch the intents the agent fumbles, and retrain the flow, with quality review across 100% of calls, which matters when each one carries account data and a compliance obligation.

Use Cases

Answer account and balance questions without a human

The agent verifies the caller, then looks up balances, recent transactions, and statement details through function calls to your core systems and reads the answer back. It answers product, rate, and how-to questions by pulling from the connected knowledge base instead of a static phone-tree script.

Qualify borrowers and move loans forward

The agent qualifies applicants the moment they submit a form, gathers the details you need, and books a callback with a loan officer. It gives borrowers live loan status, payment details, and document requirements, re-engages stalled applications with follow-ups, and hands qualified leads to the right loan officer with a warm call transfer that attaches the transcript.

Run payment reminders and collections, compliantly

The agent places past-due reminders and walks customers through repayment options at scale through batch call campaigns. It authenticates the customer, captures intent, and routes disputes or hardship cases to a human collector, following the FDCPA, TCPA, CFPB, and GDPR rules you configure, with call frequency and disclosures handled per call state.

Route and transfer the calls that need a banker

The agent works out why the caller is phoning in natural language and skips the menu entirely, hands off fraud disputes, complaints, and licensed-rep requests with a transfer that carries the full context, and uses escalation thresholds by intent, sentiment, or failed verification so only the calls that need a person reach one.

Cover after-hours and overflow

The agent covers nights, weekends, and holidays so after-hours callers reach a working agent instead of voicemail, at the same quality as business hours.

Serve customers in 31+ languages

Native-quality speech across 31+ languages with automatic language detection for 10 of them, so one agent serves customers in the language they start in.

Compliance

Each banking call carries protected financial data and a compliance obligation, so the platform is built for it. Collections flows also follow the FDCPA and TCPA rules you configure.

SOC 2 Type II

Call data runs on SOC 2 Type II certified infrastructure, meeting enterprise security requirements.

HIPAA

Regulated teams deploy under HIPAA with a self-service BAA portal available from the dashboard.

GDPR

Caller data is processed under GDPR, covering consent and access rights for callers in the EU.

PII Redaction

Account numbers and sensitive fields are masked in transcripts automatically, alongside single sign-on and role-based access.

Feature

Why banks and lenders choose Retell AI

Build

Deploy

Monitor

Verifies before it discloses

The agent authenticates the caller before reading back any account detail, and you set exactly what it can share at each step through multi-state call logic, so a balance request and a wire dispute follow different rules.

Answers from your own rates and policies

A connected knowledge base syncs from your product pages, rate sheets, FAQ, and policies as that content changes, so the agent quotes the same rates and terms your branch staff do instead of a static script.

Answers in roughly 600 milliseconds

End-to-end latency of about 600ms with proprietary turn-taking means callers do not sit through dead air or talk over the agent. Interruptions and barge-in are handled the way a strong human rep handles them.

Handles peak volume without a hiring cycle

The same agent takes 10 calls or thousands an hour with a 99.99% uptime commitment. Sunshine Loans scaled to 700,000+ monthly applications and cut call abandonment to about 5% on Retell. Results vary by setup and call volume.

Scores every call, not a sample

Built-in post call analysis transcribes, scores sentiment, and tracks resolution on each call, with custom fields you extract per call, so you see why CSAT moved instead of guessing from a handful of reviewed tickets.

Integrations

Seamless 
Integrations with Your
Tech Stack

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Hubspot
Twillio
Vonage
Go High Level
8n8
Zapier
Salesforce

Hubspot
Twillio
Vonage
Go High Level
8n8
Zapier
Salesforce

Avaya
Genesys
Five9
Amazon Connect
Telnyx
Make
Cal.com

Avaya
Genesys
Five9
Amazon Connect
Telnyx
Make
Cal.com

Pricing

Cut Costs by 90% with AI phone Agents

Pay as you go

$0 to start.

$0.07–$0.12 per minute – Pay only for what you use.

60 mins of free access.

20 concurrent calls.

10 Free Knowledge Bases.

Get Started

Enterprise Plan

For companies with large volumes, data or deployment requirements, or support needs.

White glove service for your use case.

Premium support with dedicated solution engineer teams.

Custom pricing and concurrent calls based on your needs

Talk To Sales

FAQ

Frequently asked questions.

What is an AI banker?

An AI banker is a voice agent that handles a bank or lender's phone calls on its own, instead of answering one prompt and stopping. It answers calls, verifies the caller, retrieves account and loan information from your systems, completes routine tasks like status checks and payment arrangements, and transfers to a human banker when needed. It differs from a basic chatbot or touch-tone IVR because it holds a multi-turn conversation and acts during the call, running on top of an existing core and CRM rather than replacing the systems of record behind it.

Can it verify a caller before sharing account details?

Yes. It authenticates the caller first, and you set exactly what it can disclose at each step. Account numbers and sensitive fields are redacted in transcripts, and verification rules are configured per call state, so a balance request and a wire dispute follow different rules.

Can an AI banker give financial advice or approve loans?

No. It handles informational and transactional calls, account questions, loan status, payment arrangements, and routing. It does not provide personalized financial advice, make credit decisions, or underwrite loans. Those stay with your licensed bankers and underwriting systems; the agent qualifies the caller and routes them with full context, then gets out of the way.

Does it work with our core and CRM?

Yes. It connects through SIP trunking on the telephony side and syncs call data into your CRM and loan origination system, so transcripts, outcomes, and extracted fields land where your team already works. You keep your systems of record and add AI to the phone channel.

What if a caller wants a human banker?

The agent recognizes the request and transfers immediately, passing the transcript along. You configure that rule, so a simple “agent, please” triggers an instant warm transfer instead of a frustrating loop.

How much does an AI banker cost?

Pricing is pay-as-you-go at $0.07 per minute with no platform fee or contract, plus $10 in free credit to start. You pay for minutes worked, not seats, so the cost reads as cost per call deflected rather than a flat per-agent license.