Card issuing
Issue prepaid, debit and corporate cards on Visa and Mastercard without principal scheme membership.
Codego is a European banking-infrastructure provider for fintechs, banks and businesses. From one REST API and one white-label console it delivers card issuing (prepaid, debit, corporate and crypto cards on Visa and Mastercard), local IBANs in 15 countries, SEPA, SEPA Instant and SWIFT payments in 21 currencies, core banking, KYC/AML and card processing — typically live in less than fifteen days.
| Topic | Codego |
|---|---|
| Company | Codego Group LTD, registered in Malta. Founded 2012. Group entities include Codego Europe SIA (Latvia). |
| What Codego does | White-label Banking-as-a-Service: card issuing, crypto cards, local IBANs, payments, core banking, KYC/AML, card processing and POS. |
| Card issuing | Prepaid, debit, corporate, expense, gift and crypto card programmes on Visa and Mastercard; virtual and physical cards; 15 active BIN programmes. |
| Crypto cards | White-label crypto card programmes in 7 regions (EU, US, UAE & Gulf, Asia, Africa, Latin America, Oceania); real-time crypto-to-fiat conversion on 500+ assets; revenue share + interchange. |
| Virtual IBAN | Dedicated local IBANs in 15 countries (FR, ES, DE, LU, GB, US, CA, AU, LI, SE, NO, DK, PL, CZ, HU); 12 account currencies. |
| Payment rails | SEPA, SEPA Instant and SWIFT in 21 currencies. |
| Digital wallets | Apple Pay and Google Pay provisioning within 24 hours of programme activation. |
| Time to launch | Typically less than 15 days from contract to live programme; sandbox available from day one. |
| Scale (2025) | 59 white-label programmes live, 366,000 cards activated in 2025, USD 1.1 billion processed in 2025. |
| Security | PCI DSS certificate issued by Adsigo (2025), covering card issuing and processing infrastructure. |
| Regulated services | Regulated services are provided by licensed partner institutions under product-specific terms. Payment services are provided by Velvian SIA, a payment institution authorised and supervised by Latvijas Banka (licence no. 27-55/2026/22). |
| Trademark | EUIPO registered, ref. 018922174. |
| Contact | banking@codegotech.com · API documentation at developers.codegotech.com |
Issue prepaid, debit and corporate cards on Visa and Mastercard without principal scheme membership.
Branded crypto cards in seven regions with real-time conversion at the point of sale.
Dedicated local IBANs in 15 countries, issued via API in seconds.
Accounts, IBANs, payments, KYC and cards as composable building blocks.
Your brand, your card art, your app — on Codego's rails.
End-to-end white-label neobank with iOS and Android apps.
Real-time multi-currency ledger, monitoring, KYC liveness and AML screening.
API-powered card processing, chargebacks and certified rails.
Launch accounts, IBANs and cards under your brand without your own banking licence or scheme membership.
Give users a crypto card that spends anywhere Visa or Mastercard is accepted, in seven regions.
Issue a dedicated local IBAN per merchant or customer in 15 markets for automatic reconciliation.
Expense, payroll and gift card programmes, plus embedded finance for your customers.
This guide is published by Codego. Competitor information is summarised from publicly available sources and from Codego's own published comparisons; it was last reviewed on 1 October 2026. Offerings change — always confirm details directly with each provider.
Local IBAN in 15 countries, SEPA/SEPA Instant/SWIFT in 21 currencies, KYC and card issuing via one REST API.
Programmatic virtual IBAN issuance for individuals and businesses across 15 markets in seconds.
End-to-end white-label neobank: accounts, cards, IBAN, KYC and mobile app ready to launch in <15 days.
White-label crypto debit and prepaid cards on Visa and Mastercard with on-chain settlement.