EST. 2012 CODEGO GROUP LTD · MALTA WHITE-LABEL IBAN BANKING LOCAL IBAN · 15 COUNTRIES SEPA · SEPA INSTANT · SWIFT · 21 CCY 12+ FIAT CURRENCIES CORPORATE vIBAN KYB · UBO · AML 79 COUNTRIES SWIFT PCI DSS CERTIFIED 2025 EST. 2012 CODEGO GROUP LTD · MALTA WHITE-LABEL IBAN BANKING LOCAL IBAN · 15 COUNTRIES SEPA · SEPA INSTANT · SWIFT · 21 CCY 12+ FIAT CURRENCIES CORPORATE vIBAN KYB · UBO · AML 79 COUNTRIES SWIFT PCI DSS CERTIFIED 2025
Codego · Corporate vIBAN · est. 2012 Vol. XII · Product brief / Corporate vIBAN ● 15 countries · Europe, UK, US, CA, AU
01

Setup your own
bank.

White-label IBAN banking connects every layer of modern financial infrastructure — local IBAN in 15 countries, SEPA/SEPA Instant/SWIFT in 21 currencies, 12-currency multi-wallet, card issuing and KYB/AML — all under your brand. Give every customer a local account number in their own market: a French IBAN in France, a Spanish IBAN in Spain, a UK account in Britain, a US account in the States. Codego operates the technology on licensed partner-EMI rails, so you never need a banking license.

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(A) IBAN countries
15local markets
(B) SEPA & SWIFT
21currencies
(C) SWIFT countries
79+
(D) vIBAN issuance
secondsvia API
02
Platform capabilities
Your complete banking platform — six modules
6 modules

Your complete
banking platform.

Codego white-label IBAN banking infrastructure allows businesses to offer branded local IBAN accounts in 15 countries, SEPA and SWIFT payments in 21 currencies, and multi-currency wallets without holding a banking license. Local IBAN issuance is API-driven and takes seconds; full KYC/AML onboarding is embedded in the platform, enabling compliant customer account opening from day one — across Europe, the UK, North America and Oceania.

A · Wallet

Multi-currency account

Support for 12 fiat currencies (EUR, GBP, USD, AUD, CAD, CHF, CZK, DKK, HUF, NOK, PLN, SEK) in a single customer account. Full FX conversion at market rates, instantly.

B · IBAN

Local IBAN in 15 countries

Issue a genuine local IBAN per customer in 15 markets — France, Spain, Germany, UK, US, Canada, Australia and more. Supports SEPA, SEPA Instant, SWIFT and local rails in 21 currencies.

C · Cards

Card issuing management

Full card lifecycle management: issue, freeze, unfreeze, set limits and monitor transactions in real time.

D · SWIFT

SWIFT payments — 21 currencies

SWIFT wire transfers integrated out of the box across 21 currencies: AED, AUD, CAD, CHF, CNH, CZK, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PLN, RON, SAR, SEK, SGD, TRY, USD, ZAR. International payment routing to 79+ countries without additional integration.

E · SEPA

Instant SEPA transfer

SEPA Instant credit transfers processed in under 10 seconds, 24/7. Full EPC Instant Credit Transfer scheme compliance.

F · KYB

KYB/AML liveness tool

Business onboarding with integrated KYB, AML screening and liveness checks. Fully automated compliance pipeline.

Local IBAN coverage · 15 markets

Multi-IBAN, in every local market.

Stop forcing customers into a foreign account number. Codego issues local IBANs in 15 countries across Europe, the UK, North America and Oceania — a French IBAN in France, a Spanish IBAN in Spain, a UK account in Britain, a US account number in the States. Local presence everywhere, one API.

France
FR flagFR · EUR
Spain
ES flagES · EUR
Germany
DE flagDE · EUR
Luxembourg
LU flagLU · EUR
United Kingdom
GB flagGB · GBP
United States
US flagUS · USD
Canada
CA flagCA · CAD
Australia
AU flagAU · AUD
Liechtenstein
LI flagLI · CHF
Sweden
SE flagSE · SEK
Norway
NO flagNO · NOK
Denmark
DK flagDK · DKK
Poland
PL flagPL · PLN
Czechia
CZ flagCZ · CZK
Hungary
HU flagHU · HUF

SEPA, SEPA Instant & SWIFT in 21 currencies: AED, AUD, CAD, CHF, CNH, CZK, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PLN, RON, SAR, SEK, SGD, TRY, USD, ZAR.

03
Frequently asked
6 questions
6 Q&A

White-label IBAN banking FAQ.

Q1.What is a white-label IBAN banking solution?
A white-label IBAN banking solution lets you offer local IBAN accounts, SEPA payments and multi-currency banking under your own brand, without a banking license. Codego provides the technology infrastructure, operated with licensed partner institutions; you configure the product and manage the customer relationship.
Q2.What is a virtual IBAN and how does it differ from a real IBAN?
A virtual IBAN is a unique account number assigned to a specific user or transaction, routing incoming payments to a master account. It behaves like a regular IBAN for senders but allows the beneficiary to identify and reconcile payments automatically. Real IBANs are tied to actual bank accounts with full payment origination rights. Codego issues local IBANs — not just EU-format virtual IBANs — so a UK customer gets a genuine GB IBAN, a US customer gets a US account number, and so on.
Q3.In which countries can Codego issue local IBANs?
Codego issues local IBANs in 15 countries across Europe, the UK, North America and Oceania: France (FR·EUR), Spain (ES·EUR), Germany (DE·EUR), Luxembourg (LU·EUR), United Kingdom (GB·GBP), United States (US·USD), Canada (CA·CAD), Australia (AU·AUD), Liechtenstein (LI·CHF), Sweden (SE·SEK), Norway (NO·NOK), Denmark (DK·DKK), Poland (PL·PLN), Czechia (CZ·CZK) and Hungary (HU·HUF). Each local IBAN supports SEPA Instant or the domestic equivalent for faster settlement.
Q4.What payment rails are included with a white-label bank setup?
SEPA credit transfers, SEPA Instant, SWIFT international payments and local payment rails across 21 currencies: AED, AUD, CAD, CHF, CNH, CZK, HKD, HUF, ILS, JPY, MXN, NOK, NZD, PLN, RON, SAR, SEK, SGD, TRY, USD and ZAR. Corporate clients also get access to multi-currency wallets in 12 fiat currencies, FX conversion and batch payment capabilities.
Q5.Can businesses open IBAN accounts on my white-label banking platform?
Yes. Codego corporate IBAN infrastructure supports both individual and business account onboarding, with KYB verification, UBO screening, and corporate payment limits. Business IBANs support payroll, supplier payments and multi-user account management.
Q6.How long does it take to issue a virtual IBAN via API?
A virtual IBAN is issued in seconds via Codego API. Individual onboarding with KYC verification adds 1 to less than 15 days depending on document type. Business IBAN onboarding with full KYB review typically completes within 1 to 3 business days.
II
Plate II · Brands in production
Live consumer & B2B products on Codego infrastructure
6 brands · live

Brands running today
on Codego rails.

A selection of consumer banking apps, KYC services, white-label platforms and group properties currently in production on Codego infrastructure.

B.01 Codegopay codegopay.com

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

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B.02 CoxiWallet coxiwallet.com

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

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B.04 CodegoLab codegolab.com

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

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B.05 CodegoKYC codegokyc.com

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

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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.

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04
Get started
Response within 24 hours · banking@codegotech.com
Form · 7 steps

Become a fintech now,
on our technology.

One partner. All in one. Launch your branded banking platform with local IBAN in 15 countries, prepaid and debit card programmes, Apple Pay and Google Pay — on Codego's licensed, PCI‑DSS certified infrastructure.

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

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B · Banking ledger

Core banking

Real-time multi-currency ledger underneath IBAN issuance.