EST. 2012 CODEGO GROUP LTD · MALTA WHITE-LABEL IBAN BANKING EU IBAN · 6 COUNTRIES SEPA · SEPA INSTANT · SWIFT 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 EU IBAN · 6 COUNTRIES SEPA · SEPA INSTANT · SWIFT 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 ● 6 EU countries · KYB ready
01

Setup your own
bank.

White label IBAN banking is a solution system that connects multiple services of the same bank together to deliver operations like card issuer, business account, IBAN, SEPA gateway, SWIFT and Multi-Currency. Branded EU IBAN accounts without a banking license — Codego runs the licensed rails.

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(A) IBAN countries
6EU local
(B) Currencies
12+ fiat
(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 EU IBAN accounts, SEPA and SWIFT payments, and multi-currency wallets without holding a banking license. Virtual 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.

A · Wallet

Multi-currency account

Support for 12+ fiat currencies in a single customer account. Full FX conversion at market rates, instantly.

B · IBAN

European virtual IBANs

Issue unique EU IBANs per customer in 6 European countries. Supports SEPA, SEPA Instant, SWIFT and local rails.

C · Cards

Card issuing management

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

D · SWIFT

SWIFT payments onboard

SWIFT wire transfers integrated out of the box. 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.

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 EU IBAN accounts, SEPA payments and multi-currency banking under your own brand, without a banking license. Codego provides the licensed infrastructure; 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.
Q3.In which countries can Codego issue local IBANs?
Codego issues local IBANs in 6 European countries. Local IBANs support SEPA Instant and local payment rails for faster domestic settlement. Contact the team for the current list of supported jurisdictions.
Q4.What payment rails are included with a white-label bank setup?
SEPA credit transfers, SEPA Instant, SWIFT international payments, and local payment rails depending on jurisdiction. Corporate clients also get access to multi-currency accounts, 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.03 Banqa banqa.io

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

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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 EU IBAN, 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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Direct contact

banking@codegotech.com

For enterprise inquiries, BaaS partnerships and technical integration.

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Related at Codego
Other parts of the Codego banking-infrastructure stack
4 pages

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exploring.

B · Banking ledger

Core banking

Real-time multi-currency ledger underneath IBAN issuance.