EST. 2012 CODEGO GROUP LTD · MALTA WHITE-LABEL NEOBANK PLATFORM LOCAL IBAN · 15 COUNTRIES SEPA · SEPA INSTANT · SWIFT · 21 CURRENCIES PCI DSS CERTIFIED 2025 VISA + MASTERCARD CARDS 59 LIVE PROGRAMMES LAUNCH IN <15 DAYS $1.1BN PROCESSED 2025 EST. 2012 CODEGO GROUP LTD · MALTA WHITE-LABEL NEOBANK PLATFORM LOCAL IBAN · 15 COUNTRIES SEPA · SEPA INSTANT · SWIFT · 21 CURRENCIES PCI DSS CERTIFIED 2025 VISA + MASTERCARD CARDS 59 LIVE PROGRAMMES LAUNCH IN <15 DAYS $1.1BN PROCESSED 2025
Codego · White-Label Neobank Platform · est. 2012 Vol. XII · Product brief / Neobank ● Live · 59 programmes · <15 days to launch
01

Launch your own
white-label neobank.
No licence needed.

Build your own bank — under your brand, in your market — without applying for a banking licence. Codego's neobank as a service platform gives you everything: multi-currency accounts, local IBAN in 15 countries, SEPA & SWIFT in 21 currencies, Visa and Mastercard card issuing, crypto cards, Apple Pay & Google Pay, KYC/KYB/AML and a fully branded white-label mobile app (iOS & Android). From signed contract to live digital bank in a box in as little as 15 days.

Open programme Try the sandbox
(A) Live programmes
59active WL banks
(B) IBAN coverage
15IBAN countries
(C) Time to live
<15days
(D) API surface
REST+ webhooks
02
Everything to launch a neobank
Nine building blocks — accounts, cards, payments, KYC, mobile app
9 features

The complete
neobank stack.

Starting a neobank from scratch means acquiring a licence (18–36 months), integrating a dozen vendors (card issuer, core banking, KYC provider, payment processor) and building iOS/Android apps — before you serve a single customer. Codego's neobank platform collapses that into a single contract. Every capability listed below is live, battle-tested across 59 white-label programmes, and available via one REST API.

A · Accounts

Multi-currency accounts

Each end-user gets a real multi-currency wallet — EUR, GBP, USD, AUD, CAD, CHF and more. Balances updated in real time, full transaction history and push notifications included out of the box.

B · IBAN

Local IBAN · 15 countries

Issue a local IBAN in any of 15 markets — France, Spain, Germany, UK, US, Canada, Australia and more — in seconds via API. Stop forcing your customers into a foreign account number. Local presence, everywhere.

C · Cards

Visa & Mastercard card issuing

Launch a branded prepaid or debit card programme — physical and virtual — on Visa or Mastercard rails. ~366k cards activated in 2025, 15 active BIN programmes. Cards delivered in days, virtual cards in seconds.

D · Crypto

Crypto cards

Let users spend their crypto at any Visa or Mastercard terminal worldwide. Real-time conversion at point-of-sale, stablecoin top-up, on-chain deposit monitoring. Built on Codego's live crypto infrastructure.

E · Mobile app

White-label mobile app

Fully brandable iOS and Android app — your logo, your colours, your domain. Features: multi-card management, spend controls, transaction push notifications, in-app KYC, biometric login. Published under your App Store and Google Play accounts.

F · Payments

SEPA · SEPA Instant · SWIFT

Full inbound and outbound payment rails in 21 currencies. SEPA Instant settlement in under 10 seconds. SWIFT coverage for international transfers. No third-party payment processor required.

G · Compliance

KYC / KYB / AML

Automated onboarding for both individual and business customers. Face biometrics, document OCR, liveness detection, PEP & sanctions screening and ongoing transaction monitoring — all under Codego's regulatory umbrella.

H · Wallets

Apple Pay & Google Pay

Push-provision your cards to Apple Pay and Google Pay. Customers add their branded card to their digital wallet in under a minute, driving daily active usage and reducing churn from day one.

I · Integration

REST API + webhooks

Every neobank function exposed as clean REST endpoints with real-time webhook events. Full API docs at developers.codegotech.com. SDKs, Postman collections and sandbox environment included.

03
Neobank vs building in-house
Codego white-label platform vs DIY banking infrastructure
5 dimensions

Why build a neobank
on Codego?

Building a regulated digital bank in-house means years of regulatory work, millions in upfront cost, and an engineering team large enough to maintain it forever. Codego's neobank as a service model lets you focus on your customers, not on banking plumbing.

Codego white-label neobank DIY / build in-house
Time to live ✓ <15 days MVP ✕ 18–36 months minimum
Upfront cost ✓ Low programme fee ✕ €500k–€5M+ capex
Banking licence ✓ Not required — covered by Codego partner EMIs ✕ Required — 18–36 months, high legal cost
Compliance & AML ✓ Managed — KYC/KYB/AML/PEP/sanctions included ✕ Self-managed — dedicated compliance team needed
Card programme ✓ Visa & Mastercard BINs ready — physical + virtual ✕ Separate BIN sponsorship agreement, 6–12 months
Mobile app ✓ White-label iOS & Android — branded to your product ✕ Custom dev — 6–18 months, €200k–€800k
Ongoing maintenance ✓ Codego handles infrastructure, upgrades, regulation ✕ Full internal engineering and ops team required
Multi-market IBAN ✓ 15 countries, one API ✕ Separate banking relationships per country
04
From idea to launch
How to start a neobank with Codego — in 15 days
5 steps

Live in
15 days.

Most neobank MVPs on Codego's platform go from signed agreement to first live customer in under 15 days. Here is how the typical onboarding flow works.

Day 1–2

Programme onboarding

Complete the seven-step programme form at /questionarie. Codego reviews your use case, KYC risk appetite and target markets. Programme agreement signed. Sandbox credentials issued within 24 hours of approval.

Day 3–7

API integration & branding

Integrate against the sandbox using the REST API docs. Configure KYC flows, set up your account structure and submit your branding assets (logo, colours, app name) for the white-label mobile app build.

Day 8–12

Card programme & IBAN setup

Codego provisions your card BIN (Visa or Mastercard) and activates local IBAN issuance for your target countries. Card designs reviewed and approved. Apple Pay and Google Pay push-provisioning enabled.

Day 13–14

Compliance sign-off

AML and KYC configuration reviewed by Codego compliance team. Transaction limits, velocity rules and screening lists finalised to match your risk policy. Final pre-launch checklist completed.

Day 15

Go live

Production API keys activated. Your branded neobank is live. First customers can open accounts, receive IBANs, fund wallets and use their cards. Codego infrastructure team on call for the first 48 hours.

05
Use cases
Who builds their own digital bank on Codego
5 types

Every type of
neobank.

Codego's neobank platform is deliberately agnostic. The same core infrastructure powers a consumer retail bank, an SME business account and a crypto-first neobank — because the building blocks are the same. Here are the five most common programme types launched on Codego rails.

1 · Consumer

Consumer neobank

A fully branded retail banking app for individuals. Multi-currency current account, local IBAN, debit or prepaid Visa/Mastercard card, Apple Pay, in-app KYC and SEPA payments. The classic launch your own neobank use case — build your own digital bank for a mass-market audience without a banking licence.

2 · Business

Business / SME neobank

B2B accounts for startups, SMEs and freelancers. Multi-user access, multi-currency business IBAN, SWIFT cross-border payments, corporate card issuing (physical + virtual), expense management, KYB onboarding and automated invoicing. Compete with Revolut Business and Wise Business — on your brand, in your market.

3 · Niche / community

Niche or community bank

Build a digital bank in a box around a specific community — gig workers, expats, students, NGO members, gaming esports players. Codego handles the financial infrastructure; you handle community, product and growth. Low TCO, high differentiation.

4 · Crypto neobank

Crypto neobank

For exchanges, DeFi platforms and Web3 projects that want to give users a fiat bridge. Crypto top-up, on-chain deposit monitoring, USDC/USDT settlement, crypto debit card spending and fiat IBAN — all in one product. Codego's crypto card infrastructure is already live with multiple programmes.

5 · Regional market

Regional / local-market neobank

Launch a neobank platform optimised for a single country — a French IBAN for a French audience, a Polish IBAN for Poland, a UK account for British users. Codego's 15-country IBAN coverage means you can issue a native local account number in the user's own country, driving trust and reducing friction at signup.

06
Certified networks & standards
PCI DSS · ISO · SEPA · SWIFT · Apple Pay · Google Pay
9 standards

Built on
certified rails.

Visa Mastercard partner network
PCI DSS Level 1 certified
SEPA payment rails
Apple Pay
Google Pay
Faster Payments UK
Virtual IBAN
ISO certified
SWIFT international
+ more

Codego is PCI DSS Level 1 certified (Adsigo, 2025) — the highest level of payment card data security. The platform processes over $1.1 billion annually, has issued ~366,000 cards in 2025, and has been operating European banking infrastructure since 2012. Your neobank launches on a proven, regulated, certified foundation.

07
Frequently asked
Six questions about launching a white-label neobank
6 Q&A

White-label neobank
FAQ.

Q1.What is a white-label neobank?
A white-label neobank is a fully branded digital banking product built on top of a third-party infrastructure provider's licensed platform. You supply the brand, customer base and business logic; Codego supplies the core banking ledger, IBAN issuance, payment rails, card programmes, KYC/AML and mobile app — all operating under Codego's partner EMI licences. You launch your own bank without needing a banking or e-money licence of your own.
Q2.Do I need a banking licence to launch a neobank on Codego?
No. Codego's neobank platform operates under its partner EMI (Electronic Money Institution) licences. Your neobank runs as a regulated white-label programme under that framework. You do not need to apply for your own banking or payment institution licence, which can take 18–36 months and cost hundreds of thousands of euros.
Q3.What is included in the Codego neobank platform?
The full neobank stack: multi-currency accounts, local IBAN in 15 countries (France, Spain, Germany, UK, US, Canada, Australia and more), SEPA, SEPA Instant and SWIFT in 21 currencies, Visa and Mastercard prepaid/debit card issuing, crypto cards, Apple Pay and Google Pay, white-label iOS and Android mobile app, KYC/KYB/AML onboarding, admin console, REST API and webhooks. One contract, one integration.
Q4.How long does it take to launch a neobank with Codego?
Most neobank MVPs built on Codego's platform are live within 15 days of completing the onboarding form. The timeline covers API integration, KYC configuration, card programme setup and mobile-app branding. Enterprise programmes with custom compliance policies or multi-country IBAN rollouts may take a few weeks longer.
Q5.Can I use my own brand and mobile app?
Yes. Everything is white-label: your logo, your colour scheme, your domain. Codego supplies a fully brandable iOS and Android mobile app (React Native) that you publish under your own App Store and Google Play developer accounts. The app supports multi-currency wallets, card controls, transaction history, push notifications and in-app KYC — all skinned to match your brand.
Q6.Which markets and IBAN countries are supported?
Codego issues local IBANs in 15 countries: France (FR), Spain (ES), Germany (DE), Luxembourg (LU), United Kingdom (GB), United States (US), Canada (CA), Australia (AU), Switzerland/Liechtenstein (LI), Sweden (SE), Norway (NO), Denmark (DK), Poland (PL), Czech Republic (CZ) and Hungary (HU). SEPA, SEPA Instant and SWIFT are supported in 21 currencies including USD, GBP, AUD, CAD, CHF, JPY, AED and more.
II
Plate II · Brands in production
Live consumer & B2B neobanks on Codego infrastructure
6 brands · live

Neobanks running today
on Codego rails.

A selection of live consumer banking apps, white-label platforms and group properties currently running on Codego's neobank infrastructure.

B.01 Codegopay codegopay.com

Business banking application — multi-currency IBAN, prepaid & debit cards, transfers and card controls under Codegopay brand.

Visit site
B.02 CoxiWallet coxiwallet.com

Hybrid crypto and fiat wallet — IBAN account, prepaid card, on-chain settlement and conversion in a single mobile app.

Visit site
B.03 Banqa banqa.io

Neobanking platform delivering branded multi-currency accounts, card programmes and SEPA / SWIFT rails for end-users and merchants.

Visit site
B.04 CodegoLab codegolab.com

Cloud hosting and infrastructure platform for fintechs — virtual servers, web spaces, USDC topup and full deploy stack on demand.

Visit site
B.05 CodegoKYC codegokyc.com

KYC / AML / liveness verification as a service — face biometrics, document OCR, PEP & sanctions screening via API.

Visit site
B.06 WhiteLabelCard whitelabelcard.com

Self-service white-label card issuing portal — launch a branded prepaid or debit card programme online in days, no integration required.

Visit site
08
Get started
Response within 24 hours · banking@codegotech.com
Form · 7 steps

Launch your neobank
on our technology.

One partner. All in one. Launch your branded white-label neobank with EU IBAN, SEPA & SWIFT rails, Visa/Mastercard card issuing, KYC/AML and a white-label mobile app — on Codego's licensed, PCI‑DSS certified infrastructure. No banking licence required.

Codego Group LTD · Malta · Est. 2012
EUIPO 018922174 · PCI DSS by Adsigo, 2025

Start your neobank programme

Open programme today

Fill out the seven-step form and our team will respond within twenty-four hours with a tailored neobank proposal.

Open programme
Explore & integrate

Sandbox & API docs

Try the white-label console sandbox and browse the full API documentation before committing.

Try sandbox API docs
RL
Related at Codego
Other parts of the Codego banking-infrastructure stack
6 pages

Continue
exploring.

A · BaaS platform

Banking as a Service

Full BaaS stack: multi-currency local IBAN in 15 countries, SEPA/SEPA Instant/SWIFT in 21 currencies, KYC and card issuing via REST API.

B · Card programmes

White-label card

Branded prepaid, debit and virtual cards on Visa and Mastercard. Apple Pay & Google Pay in 24h. 15 active BIN programmes.

C · Card issuing API

Card issuing

Programmatic Visa and Mastercard issuing — virtual cards in seconds, physical in days. ~366k cards activated in 2025.

D · Banking ledger

Core banking

Real-time multi-currency ledger with KYC, AML, treasury and audit beneath every neobank programme.

E · Crypto cards

Crypto cards

Spend crypto at any Visa or Mastercard terminal. Real-time conversion, stablecoin top-up, on-chain deposits.

F · IBAN issuance

Virtual IBAN

Issue local IBANs in 15 countries in seconds via API. One IBAN per customer, local currency, local routing.