With Retell, weβve increased scheduling NPS by 38%, and filled underutilized provider capacity, allowing our team to focus on meaningful patient care instead of phone tag.
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An AI Banker That Answers Every Bank Call Without a Menu
5.0
ON G2
An AI banker is a voice agent that answers your bank's phone line instantly, verifies the caller, and handles account, card, and loan questions from your own systems. Retell AI puts one in front of your queue: it replaces the touch-tone menu, answers balance and transaction questions, gives loan status and payment details, runs past-due reminders, and transfers anything that needs a licensed banker with the full transcript attached. It runs on your existing number and carrier, 24/7, in 55+ languages.
Trusted by over 4,000 businesses powering 100+ million calls per month.
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How It Works
Go live on your existing number without replacing your contact center.
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 real banking scenarios before it touches a customer: balance checks, loan status, disputed charges, hardship and payment plans, failed verification, and frustrated callers. 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 in production.
Connect your line and go live
Keep your carrier and your contact center. Connect through SIP trunking to Avaya, Five9, Genesys, NICE, LiveVox, Talkdesk, or Amazon Connect, and route all calls or a percentage into a parallel pilot. Set the exact escalation conditions, like disputes, hardship, or any request for a licensed rep. Start on one queue, prove it, then expand.
Monitor and retrain
Every call is transcribed, scored for sentiment, and tagged by outcome. Watch first-call resolution, transfer rate, and per-call latency in a dashboard, catch the intents the agent fumbles, and retrain the flow. Quality review runs on 100% of calls, which matters when each one carries account data.
Use Cases
Customer conversations your AI banker handles securely
Replace the phone menu with a conversational front door
Callers say why they are phoning instead of pressing 1 through 9. The agent works out the intent in natural language, resolves it on the spot when it can, and routes the rest to the right queue with the context attached. You keep your existing IVR paths as fallbacks while you move traffic across.
Verify the caller, then answer account and card questions
The agent authenticates the caller against your own rules, name, date of birth, last four, or an OTP, then looks up balances, recent transactions, statements, and card status through function calls to your core systems and reads the answer back. It answers product, rate, and how-to questions from a connected knowledge base instead of a static phone-tree script, and it stops at your disclosure limits.
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, chases stalled or incomplete applications with follow-ups, and hands qualified leads to the right officer with a warm transfer that carries the transcript.
Run payment reminders and collections, compliantly
The agent places past-due reminders at batch volume, authenticates the customer, captures a promise to pay with amount and date, and tags the disposition automatically. It follows the FDCPA, Reg F, TCPA, and state disclosure language you configure, respects call frequency caps and opt-outs, and routes disputes and hardship to a human collector.
Hand off fraud, disputes, and anything that needs a banker
Fraud alerts, disputed charges, complaints, and any request for a licensed rep transfer immediately with the full transcript. You set escalation thresholds by intent, sentiment, or failed verification, so a caller who cannot verify twice reaches a person instead of looping, and repeat callers keep their context.
Cover nights, weekends, and 55+ languages
After-hours, holiday, and overflow callers reach a working agent instead of voicemail, at the same quality as business hours. Native-quality speech covers 55+ languages with automatic detection for 10 of them, so one agent serves the language the caller starts in.
Built for Contact Centers, Not Demos
Retell is the AI Voice Platform Enterprise Contact Centers Run On
Retell lets you build, test and deploy AI phone agents that handle real call volume, so your team spends its time on the conversations that need a person.
Feature
Why banks, credit unions, and lenders choose Retell AI
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. Failed attempts escalate to a person on the rule you set.
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.
Says what each state requires
Disclosure language switches dynamically by state, account type, and call reason, so a collections call in Maryland reads the wording that court requires and a servicing call does not read it at all.
Answers fast, and proves it per call
Lab testing puts end-to-end latency at about 620ms with proprietary turn-taking, so callers do not sit through dead air or talk over the agent. Every call logs its own median and p90 latency split across transcription, model, and speech, so your team tunes against data instead of impressions.
Handles peak volume without a hiring cycle
The same agent takes 10 calls or thousands an hour. Sunshine Loans, a state-licensed consumer lender, handles 700,000+ monthly applications on Retell, resolves 75 to 80 percent of inbound calls with AI, and cut abandonment from about 30 percent to about 5 percent. Results vary by setup and call volume.
Sits on the stack you already run
Connect through SIP trunking to Avaya, Five9, Genesys, NICE, LiveVox, Talkdesk, Amazon Connect, Twilio, or Telnyx, and sync outcomes into Salesforce, HubSpot, Zendesk, your CRM, or your loan origination system. You keep your systems of record.
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.
Flags the compliance moments automatically
Trigger-based escalation fires when a call hits a keyword or topic you flag, like a dispute, a hardship claim, or a bankruptcy mention, and every interaction keeps a full transcript for audit. Sunshine Loans uses exactly that for licensed-lender reporting.
Sends the outcome where your team works
Extracted fields, dispositions, promises to pay, and recordings post to your CRM or loan system through webhooks and the API, so nobody rekeys a call outcome by hand.
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Pricing
Cut Costs by 90% with AI phone Agents
Pay as you go
$0 to start.
$0.07β$0.31 per minute β Pay only for what you use.
60 mins of free access.
20 concurrent calls.
10 Free Knowledge Bases.
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
FAQ
Frequently asked questions.
What is an AI banker?
An AI banker is a voice agent that handles a bank, credit union, or lender's phone calls on its own. It answers the call, 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 touch-tone IVR or a basic chatbot because it holds a multi-turn conversation and acts during the call, running on top of your existing core and CRM rather than replacing them.
Can it verify a caller before sharing account details?
Yes. The agent authenticates first, using the rules you set, such as name, date of birth, last four digits, account number, or a one-time passcode, and you define exactly what it can disclose at each step. Sunshine Loans verifies with SSN and date of birth and matches the caller in Salesforce before any loan data is shared. Repeated failed attempts escalate to a person, and account numbers are redacted in stored transcripts.
Can an AI banker take a card payment over the phone?
Not inside the AI conversation, and that is deliberate. Retell is not PCI DSS Level 1 certified, and digits pressed during a call reach the language model, so capturing card numbers in the conversation would pull your whole stack into PCI scope. The supported pattern is a warm transfer at the payment step: the agent hands the call to your PCI DSS Level 1 certified payment IVR or provider before any digits are pressed, so cardholder data never touches Retell, the model, or your recordings. The agent still handles everything around the payment, including the balance, the arrangement, the promise to pay, and the confirmation.
Is it compliant for collections calls?
Yes, with rules you configure. Collections flows support FDCPA, Reg F, and TCPA requirements: consent checks before outbound dialing, do-not-call and opt-out handling, call frequency caps, upfront AI disclosure where a state requires it, and state-specific script language that switches by jurisdiction. Disputes, hardship claims, and bankruptcy mentions escalate to a human collector on the trigger you set, and every call keeps a full transcript for audit.
Does it work with our core, CRM, and contact center?
Yes. The agent connects over SIP trunking and sits in front of Avaya, Five9, Genesys, NICE, LiveVox, Talkdesk, Amazon Connect, Twilio, or Telnyx without replacing them, and it reads and writes to your systems through custom API functions, so a proprietary core or loan origination system works the same way a packaged one does. Outcomes, transcripts, and extracted fields sync into Salesforce, HubSpot, Zendesk, or your own CRM. You keep your carrier, your numbers, and your systems of record.
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, routes them with full context, and gets out of the way.
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 βagent, pleaseβ triggers an instant warm transfer instead of a frustrating loop. You can also force a transfer on failed verification, negative sentiment, or any intent you flag.
How fast does the agent answer?
Lab testing measured about 620ms end to end, against a published target of under 800ms at the 99th percentile. Your real number depends on the model you choose, prompt length, and how many lookups the call makes, which is why every call logs its own latency breakdown across transcription, model, and speech. Banks running long prompts with live account lookups should design for roughly one second and tune from the per-call data.
What languages does it speak?
The platform supports 55+ languages with automatic language detection for 10 of them, so one agent can serve a caller in the language they start in and switch mid-call. Spanish, Japanese, Vietnamese, Cantonese, Arabic, and the Nordic languages all run today. Accuracy varies by language and by what the caller has to spell out, so validate your language mix in simulation before you route live traffic to it.
How much does an AI banker cost?
Pricing is pay-as-you-go from $0.07 to $0.31 per minute depending on the model and voice you pick, with no platform fee, no per-seat license, and no contract. Every account starts with 60 free minutes and 20 concurrent calls. High-volume institutions move to an enterprise plan with custom rates, dedicated infrastructure, and support. You pay for minutes worked, so the number to compare is cost per call deflected, not a per-agent license.
