Multi-currency accounts
Embed real financial accounts directly into your product. Each user or business entity gets a segregated multi-currency wallet holding EUR, GBP, USD, AUD, CAD, CHF and more — no redirect to a third-party bank UI.
Give your users a real multi-currency account with a local IBAN in 15 countries, a Visa or Mastercard card, crypto card access in 7 regions, SEPA/SEPA Instant/SWIFT payments in 21 currencies, Apple Pay, Google Pay and full KYC/KYB — all surfaced natively inside your own product through a single REST API. Codego is the embedded finance provider behind 59 live programmes and approximately $1.1 billion processed in 2025. No banking licence required. Live in around 15 days.
Codego's embedded finance platform exposes every layer of financial infrastructure as independently callable REST API endpoints. You compose only the modules your product needs — issue a card without an IBAN, open an account without a card, or combine the full stack into a neobank. Every module ships with webhooks, sandbox parity and documentation at developers.codegotech.com.
Embed real financial accounts directly into your product. Each user or business entity gets a segregated multi-currency wallet holding EUR, GBP, USD, AUD, CAD, CHF and more — no redirect to a third-party bank UI.
Issue a local IBAN in 15 countries — France, Spain, Germany, UK, US, Canada, Australia, Luxembourg, Sweden, Norway, Denmark, Poland, Czechia, Hungary, Switzerland/LI — to any user in seconds via one API call. A French IBAN in France, a UK account in Britain.
Issue branded Visa or Mastercard prepaid and debit cards — virtual in seconds, physical in days. Full card controls (freeze, spend limits, MCC locks) exposed via API. Part of 59 live card programmes and approximately 366,000 cards issued as of 2025.
Embed crypto-funded Visa cards available across 7 regions globally. Users load cards from on-chain balances; spending converts at point-of-sale. Full KYC and transaction monitoring included. PCI DSS Level 1 certified by Adsigo, 2025.
Send and receive SEPA, SEPA Instant and SWIFT across 21 currencies (AED, AUD, CAD, CHF, CNH, CZK, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PLN, RON, SAR, SEK, SGD, TRY, USD, ZAR). Inbound and outbound processing, local clearing rails included.
Every issued card is Apple Pay and Google Pay ready. Partners activate digital wallet provisioning via API flag — no separate integration. Tokenised payments accepted everywhere contactless is supported.
Embed compliant identity verification without building it yourself. Codego KYC/KYB covers document OCR, liveness detection, PEP and sanctions screening, AML transaction monitoring and regulatory reporting — all configurable via API against your programme's risk policy.
Every module above is callable via a clean REST API with JSON request/response. Real-time webhooks fire on account events, card transactions, payment settlements and KYC status changes. Full docs and a no-cost sandbox at vcc-whitelabel-sandbox.codegotech.com.
Embedded finance is relevant wherever money moves inside a product. These are the six verticals that represent the majority of Codego's 59 active programmes today.
B2B SaaS companies — from accounting and ERP tools to HR platforms — embed IBAN accounts, expense cards and payment initiation to become the financial hub for their customers. Reduce churn by holding funds inside your platform.
Two-sided marketplaces embed virtual IBANs as seller wallets and card issuing as buyer payment methods. Funds move natively on-platform: escrow, split payments and instant seller payouts via SEPA Instant — without leaving your product.
Property management, healthcare, legal and logistics software embed invoicing, client accounts and payment collection. Local IBAN in the client's home country removes friction from cross-border fee collection.
Platforms paying contractors, drivers or freelancers embed dedicated IBAN wallets and instant card issuing so workers receive earnings and spend immediately — in their local currency without FX friction.
Online retailers embed branded gift cards, prepaid loyalty cards and checkout-linked IBAN top-ups to increase basket size and retain funds on-platform. Apple Pay and Google Pay integration reduces checkout abandonment.
Crypto exchanges, DeFi apps and wallet providers embed fiat on/off ramps — SEPA deposits into IBAN, SWIFT withdrawals and crypto-funded Visa cards in 7 regions — giving users a complete fiat-to-crypto-to-spend experience inside one product.
Before choosing a path, compare the three realistic options for adding financial services to your product.
| Dimension | Codego Embedded Finance | Build in-house | Traditional bank |
|---|---|---|---|
| Banking licence | Not required | Required or costly sponsor | Existing (yours or partner's) |
| Time to live | ~15 days | 12 – 36 months | 6 – 24 months |
| Upfront cost | Low — programme fee | Very high — teams + licences | High — onboarding + legal |
| IBAN coverage | 15 countries, local IBAN | Depends on your licences | Typically 1 – 3 countries |
| Card issuing | Visa + Mastercard, prepaid & debit | Requires BIN sponsorship deal | Possible but slow + expensive |
| Crypto cards | 7 regions, on-chain funded | Extremely complex to build | Not offered |
| KYC/AML | Included — managed by Codego | Build or buy separately | Bank handles (limited control) |
| API + webhooks | Full REST API, sandbox included | You build the API yourself | Limited or proprietary APIs |
| White-label app | Optional — included in stack | Build from scratch | Not typically offered |
One partner. Full stack. Embed accounts, local IBAN in 15 countries, card issuing, crypto cards and SEPA/SWIFT payments into your product — on Codego's licensed, PCI‑DSS certified infrastructure. No banking licence required. Live in ~15 days.
Codego Group LTD · Malta · Est. 2012
EUIPO 018922174 · PCI DSS by Adsigo, 2025
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Open programmeExplore the full REST API, test IBAN issuance, card issuing and payments in the free sandbox before committing.
API docs Try sandboxFull BaaS infrastructure: local IBAN in 15 countries, SEPA/SWIFT in 21 currencies, core banking and multi-currency accounts via REST API.
Launch a fully branded neobank on Codego rails — accounts, cards, payments and KYC under your own brand. White-label app included.
Issue unique local IBANs in 15 countries — FR, ES, DE, UK, US, CA, AU and more — to each of your users in seconds via API.
Branded prepaid, debit and virtual Visa/Mastercard cards with Apple Pay, Google Pay and full spend controls via API.
Embed crypto-funded Visa cards in 7 regions. On-chain loading, fiat spending and full KYC — available via the same REST API.