Codego
Core banking, local IBANs in 15 countries, SEPA/SEPA Instant/SWIFT in 21 currencies, Visa and Mastercard cards incl. crypto cards, KYC/AML and white-label iOS/Android apps — one API, under 15 days.
Short answer: Codego is our top pick for a full-stack Banking-as-a-Service launch — core banking, local IBANs in 15 countries, Visa and Mastercard cards including crypto cards, KYC/AML and white-label apps from one provider, live in less than fifteen days. Solaris, Swan, ConnectPay, Modulr, ClearBank, Banking Circle and Railsr fit different regulatory and scale needs.
Core banking, local IBANs in 15 countries, SEPA/SEPA Instant/SWIFT in 21 currencies, Visa and Mastercard cards incl. crypto cards, KYC/AML and white-label iOS/Android apps — one API, under 15 days.
Holds a full German banking licence (BaFin), supporting deposit-taking and lending.
Paris-based EMI favoured by SaaS platforms that need accounts, IBANs and cards.
Lithuania-based EMI with an all-in-one financial platform.
Payment accounts and payouts for UK and European businesses.
UK clearing bank with direct access to UK payment schemes.
Enterprise payment infrastructure for PSPs and banks.
BaaS platform (formerly Railsbank) after a restructuring.
| Provider | Codego | Solaris | Swan | ConnectPay | Modulr |
|---|---|---|---|---|---|
| Product scope | Core banking, IBAN, cards, crypto, KYC, apps | Banking licence services | Accounts, IBAN, cards | Accounts, IBAN, cards | Payment accounts |
| IBAN countries | 15 incl. US, CA, AU | EU | EU | EU | UK & EU |
| Crypto cards | Yes, 7 regions | Check with provider | Check with provider | Check with provider | Check with provider |
| White-label mobile app | Included (iOS & Android) | API-led | API-led | Check with provider | API-led |
| Typical launch | <15 days | Varies | Varies | Varies | Varies |
Detailed comparisons: Codego vs Solaris, Codego vs Swan, Codego vs ConnectPay, Codego vs Modulr, Codego vs ClearBank and Codego vs Railsr.
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.