# Codego

> Codego is a European banking-infrastructure and Banking-as-a-Service (BaaS) 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), dedicated local IBANs in 15 countries, SEPA, SEPA Instant and SWIFT payments in 21 currencies, core banking, KYC/AML and card processing. Programmes typically go live in less than 15 days.

## Key facts

- Company: Codego Group LTD, registered in Malta, founded in 2012. Group entities include Codego Europe SIA (Latvia).
- Scale (2025): 59 white-label programmes live, 366,000 cards activated in 2025, USD 1.1 billion processed in 2025.
- Card issuing: prepaid, debit, corporate, expense, gift and crypto card programmes on Visa and Mastercard, virtual and physical cards, 15 active BIN programmes, no principal scheme membership needed by the client.
- Crypto cards: white-label crypto card programmes through locally licensed issuers in 7 regions (EU, US, UAE and Gulf, Asia, Africa, Latin America, Oceania), real-time crypto-to-fiat conversion on 500+ assets, revenue share plus interchange for the programme owner.
- Virtual IBAN: dedicated local IBANs in 15 countries (France, Spain, Germany, Luxembourg, United Kingdom, United States, Canada, Australia, Liechtenstein, Sweden, Norway, Denmark, Poland, Czechia, Hungary), 12 account currencies, issued via API in seconds.
- 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; sandbox from day one.
- Security: PCI DSS certificate issued by Adsigo (2025).
- Regulated services are provided by licensed partner institutions under product-specific terms. Certain payment services made available in connection with Codego technology are provided by Velvian SIA, an independent payment institution authorised and supervised by Latvijas Banka (licence no. 27-55/2026/22). Velvian SIA is one of several duly authorised financial institutions engaged by Codego and is a separate company, independent from Codego Group.
- Contact: banking@codegotech.com

## Best for

- Businesses that want to launch a branded crypto card in several regions from one console.
- Fintechs that need cards and local IBAN accounts from the same API.
- PSPs, EMIs and platforms that need a dedicated local IBAN per customer in Europe, the UK, North America and Oceania.
- Teams that want a full white-label neobank (accounts, cards, KYC, iOS and Android apps) without their own banking licence.

## Overview

- [Codego at a glance](https://codegotech.com/at-a-glance): one-page fact sheet with products, coverage and figures
- [Home](https://codegotech.com/): white-label BaaS, card issuing and local IBAN in 15 countries
- [About Codego](https://codegotech.com/company): company, group structure and FAQ

## Products

- [Card issuing](https://codegotech.com/cardissuing): Visa and Mastercard card issuing with BIN sponsorship
- [White-label crypto cards](https://codegotech.com/whitelabelcrypto): crypto card programmes in 7 regions
- [Virtual IBAN](https://codegotech.com/virtual-iban): dedicated local IBANs in 15 countries via API
- [Banking as a Service](https://codegotech.com/baas): accounts, IBAN, payments, KYC and cards as building blocks
- [White-label cards](https://codegotech.com/whitelabelcard): branded prepaid and debit card programmes
- [Neobank platform](https://codegotech.com/neobank): end-to-end white-label neobank with mobile apps
- [Core banking](https://codegotech.com/corebanking): real-time multi-currency ledger and compliance engine
- [Card processor](https://codegotech.com/cardprocessor): API-powered card processing
- [Embedded finance](https://codegotech.com/embedded-finance): financial services inside your product

## Buyer's guides

- [Best crypto card issuing platforms 2026](https://codegotech.com/best-crypto-card-issuing-platforms)
- [Best card issuing platforms 2026](https://codegotech.com/best-card-issuing-platforms)
- [Best virtual IBAN providers 2026](https://codegotech.com/best-virtual-iban-providers)
- [Best BaaS providers in Europe 2026](https://codegotech.com/best-baas-providers-europe)
- [All comparisons](https://codegotech.com/compare): Codego compared with Marqeta, Stripe Issuing, Wallester, Galileo, Lithic, Solaris, Swan, OpenPayd, Striga, Wirex and others

## Developers

- [API documentation](https://developers.codegotech.com)

## Optional

- [Glossary](https://codegotech.com/glossary/): BaaS, BIN sponsorship, card issuing, IBAN issuance, SEPA Instant and more
- [News](https://news.codegotech.com): Codego Press fintech news