EST. 2012 CODEGO GROUP LTD · MALTA WHITE-LABEL CARDS EU IBAN · SEPA · SWIFT LIVE IN <15 DAYS VIRTUAL CARDS IN HOURS APPLE PAY · GOOGLE PAY STARTER PLAN AVAILABLE FULL PLAN AVAILABLE PCI DSS CERTIFIED 2025 EST. 2012 CODEGO GROUP LTD · MALTA WHITE-LABEL CARDS EU IBAN · SEPA · SWIFT LIVE IN <15 DAYS VIRTUAL CARDS IN HOURS APPLE PAY · GOOGLE PAY STARTER PLAN AVAILABLE FULL PLAN AVAILABLE PCI DSS CERTIFIED 2025

White-label card Banking as a Service Core banking Card issuing Crypto cards Corporate vIBAN Card processor Card Reveal SDK Company News Open programme

Codego · White-label · est. 2012 Vol. XII · Product brief / White-Label ● Live in < 15 days

White-Label Cards &
Virtual IBAN in
less than 15 days.

Q: How long does it take to launch a white-label card program?

A white-label card program can be live in less than 15 days with Codego, depending on program complexity. Virtual card issuance can be active within hours of API integration. Physical card production and Apple Pay provisioning follow after program certification.

Q: What is the difference between a prepaid card and a debit card program?

A prepaid card program requires cardholders to load funds before spending — the card balance is separate from any bank account. A debit card program links directly to an account balance, typically an IBAN. Codego supports both models and can combine them in a single white-label platform.

Q: Do I need a banking license to launch white-label cards?

No. Codego BIN sponsorship and licensed BaaS infrastructure means your card program operates under Codego regulatory umbrella. You do not need Visa or Mastercard principal membership or an independent banking license for standard prepaid or debit card programs.

Q: Can I issue both virtual and physical cards from the same program?

Yes. Codego card issuing API manages the full card lifecycle — virtual card creation in seconds, physical card production, activation, controls, and reporting — from a single integration. Customers can use their virtual card immediately while their physical card is in production.

Q: What branding customization is available?

Full customization is available: card art, embossing, colors, packaging design, mobile app branding, and cardholder-facing emails. Codego white-label platform presents your brand at every customer touchpoint. Your logo appears on the card, in Apple Pay and Google Pay, and throughout the cardholder app.

Q: What does the Whitelabel Starter plan include?

The Whitelabel Starter plan includes self-service domain configuration, logo upload, customer web app, admin console and APIs, EU IBAN, SEPA, SEPA Instant and SWIFT, and branded card issuance. The Full plan adds business accounts, multi-currency wallets, crypto, and a dedicated mobile app for iOS and Android. Pricing is tailored to your programme volume and scope — contact us for a quote.

Launch your branded banking platform with EU IBAN, SEPA, SEPA Instant, SWIFT, prepaid & debit card issuing, Apple Pay & Google Pay readiness, admin dashboard, APIs & webhooks. Self-service card issuing — your domain, your logo, your cards on Codego licensed rails.

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(A) Time to live: <15days
(B) Virtual cards: hoursto issue
(C) Plans available: 2tiers
(D) Setup time: <15days

Plans

Two tiers · pricing tailored on volume & scope

2 plans

Choose your platform.

Two plans cover individual-only banking through to full multi-currency, crypto and corporate programmes with a dedicated mobile app. Pricing is tailored to your programme volume and scope — contact us for a tailored quote.

Capability	Whitelabel Starter Individual banking + cards	Whitelabel Full Multi-currency · crypto · mobile app
Self-service setup flow	Yes	Yes
Your domain + your logo	Yes	Yes
Customer web app (individuals)	Yes	Yes
Admin console + APIs	Yes	Yes
EU IBAN · SEPA · SEPA Instant · SWIFT · local	Yes	Yes
Cards with customer logo	Yes	Yes
Business accounts	—	Yes
Multi-currency wallets	—	Yes
Crypto wallets + exchange	—	Yes
Corporate cards programme	—	Yes
White-label mobile app (iOS + Android)	—	Yes
Dedicated account manager	—	Yes

Pricing is tailored to programme volume and scope. Contact us for a quote.

Platform capabilities

Everything you need to run a bank — six modules

6 modules

Everything you need
to run a bank.

A · App

Customer web app

A fully branded web app for your end-users. Dashboard, transactions, card management and account settings — all under your domain.

B · Admin

Admin + APIs

Full admin console for your operations team. REST APIs and webhooks for real-time event integration with your back-office systems.

C · Banking

IBAN + cards

EU IBAN issuance in minutes. SEPA, SEPA Instant, SWIFT and local rails. Prepaid and debit cards with Apple Pay and Google Pay support.

D · Brand

Brand & domain

Set your custom domain, upload your logo and brand colours. Your platform, your identity — generated automatically in the self-service flow.

E · Payments

Payments & IBAN

Enable EU IBAN, SEPA, SEPA Instant, SWIFT and local rails from day one. Availability by region and compliance rules handled by Codego.

F · Cards

Cards & wallets

Issue virtual and physical cards with your logo. Apple Pay and Google Pay ready within 24 hours after program activation. Plastic, metal, wood.

Frequently asked

6 questions

6 Q&A

White-label card issuing FAQ.

Q1.How long does it take to launch a white-label card program?

A white-label card program can be live in less than 15 days with Codego. Virtual card issuance can be active within hours of API integration. Physical card production and Apple Pay provisioning follow after program certification.

Q2.Prepaid card vs debit card program — what is the difference?

A prepaid card program requires cardholders to load funds before spending — the card balance is separate from any bank account. A debit card program links directly to an account balance, typically an IBAN. Codego supports both models and can combine them in a single white-label platform.

Q3.Do I need a banking license to launch white-label cards?

No. Codego BIN sponsorship and licensed BaaS infrastructure means your card program operates under Codego regulatory umbrella. You do not need Visa or Mastercard principal membership or an independent banking license for standard prepaid or debit card programs.

Q4.Can I issue both virtual and physical cards from one program?

Yes. Codego card issuing API manages the full card lifecycle — virtual card creation in seconds, physical card production, activation, controls, and reporting — from a single integration. Customers can use their virtual card immediately while their physical card is in production.

Q5.What branding customization is available?

Full customization: card art, embossing, colors, packaging design, mobile app branding, and cardholder-facing emails. Your logo appears on the card, in Apple Pay and Google Pay, and throughout the cardholder app.

Q6.What does the Whitelabel Starter plan include?

Starter includes domain configuration, customer web app, admin console and APIs, EU IBAN, SEPA, SEPA Instant and SWIFT, and branded card issuance. The Full plan adds business accounts, multi-currency wallets, crypto, and a dedicated mobile app for iOS and Android. Pricing is tailored to your programme volume — contact us for a quote.

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.

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

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

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Direct contact

banking@codegotech.com

For enterprise inquiries, BaaS partnerships and technical integration.

API docs Support

Related at Codego

Other parts of the Codego banking-infrastructure stack

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exploring.

A · API issuing

White-Label Cards &
Virtual IBAN in
less than 15 days.

Choose your platform.