Neobanks

Build your brand with a modular white label neobank platform

Launch your digital bank in weeks, not months. Our white label neobank platform provides the secure infrastructure and regulatory framework you need to offer global payments, IBANs, and cards under our EMI license.

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Scalable white label neobank solutions for modern fintechs

Choosing a white label neobank provider is a long-term strategic decision. Our white label neobank solutions are designed to provide a flexible, modular, and scalable foundation, allowing you to focus on the user experience while we handle the backend banking technology and compliance.

Fast market entry: Leverage our global licensing and local banking relationships to launch in new markets with significantly less friction.

Operational efficiency: Reduce infrastructure and compliance costs by 60–75% by outsourcing backend technical requirements.

Modular flexibility: Use our neobank platform to push new financial services live quickly without needing to build banking infrastructure from scratch.

Increased customer value: Integrating financial services directly into your app increases customer lifetime value and creates more touchpoints for your brand.

Core functionalities of our white label neobank software

Our white label neobank software operates through a three-layer stack: the infrastructure (bank), the middleware (neobank platform), and your branded frontend.

Branded white label neobank app integration

Deliver a seamless customer journey with a white label neobank app that feels native to your brand. Use our modular API blocks to quickly develop a full ecosystem of services including real-time account monitoring and automated payment processing.

Global payment networks and IBANs

Empower your users to send and receive funds worldwide. Our platform enables you to issue IBANs with an LT prefix and perform currency exchange for 80+ currencies across SEPA and SWIFT networks.

Mastercard and Visa card issuance

Integrate directly with Mastercard or Visa networks through our platform to issue various types of cards—business, personal, or virtual—to your customers.

Unlock the potential of invisible finance

Choose embedded finance with built-in compliance solution modules based on your business needs

Issue IBANs with LT prefix

Enable business, personal and segregated accounts for smooth transactions.

Execute payments

Initiate and complete financial transactions securely and efficiently.

Execute currency exchange

Perform foreign exchange transactions for 80+ currencies.

Issue and manage VISA cards

Business, personal, white-label and virtual VISA debit cards.

Handle inter-bank queries

Manage and resolve inquiries between different banks or financial institutions.

Top-up accounts

Conveniently add funds to user accounts for seamless transactions.

Fees collection

Collect and process various fees associated with transactions or services.

Refund end-users

Process and issue refunds to individual users or customers.

Inter-ledger transfers

Facilitate transfers between different ledgers or your own ecosystem.

KYC / Onboarding

Conducting KYC checks and streamlining customer onboarding processes.

AML / CTF monitoring

Monitoring and detecting AML and CTF activities.

Reporting to authorities

Submitting regulatory reports and compliance data to relevant authorities.

Secure banking as a service with built-in compliance

Security is foundational to our white label neobank platform. We automate the most complex parts of the banking process to ensure your operations remain lawful and secure.

Automated KYC and AML: We handle Know Your Customer (KYC) checks, ongoing due diligence, and Anti-Money Laundering (AML) monitoring for all transactions.
Advanced risk management: Utilize AI-driven features and RegTech solutions to identify risks like unauthorized vendors or cross-border trade violations in real-time.
Audit-ready reporting: Automatically pull logs and evidence to create an immutable audit trail, making compliance with regulatory audits seamless.

More about Built-in Compliance

Accounts for your customers

Let your customers from the European Economic Area open IBAN accounts

Business and personal accounts

Open a directly addressable LT IBAN account with multicurrency support
Send & Receive cross-border payments in AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, NOK, PLN, RON, SEK, SGD, and USD
Enjoy the omni-channel approach – access your accounts via our Online Banking or APIs

Segregated accounts

Open an account using the international bank account number (IBAN)
Keep your customers’ money separately from your company’s money

Equip your users with debit cards

From the usual business and personal cards to white–labeled ones with extra functionalities. Just tell us what kind of cards you need.

White-label card

Branded cards with extra functionalities

Business card

Get VISA debit card for business

Personal card

Get debit cards for your private clients

Flexible integration

Each use case is different, that’s why we have built our APIs in a way that can be tailored to your business model, no matter how complex it is. For all matters related to IBAN accounts and payments, we’ve got you covered.

More about APIs

White label neobank platform FAQs

What is a white label neobank platform?

A white label neobank platform is a pre-built banking infrastructure provided by a licensed financial institution. It allows non-bank brands to offer their own branded financial services, such as accounts and cards, without needing to obtain their own banking license.

How long does it take to launch with a white label neobank provider?

By using modular white label neobank software, businesses can launch financial products in weeks rather than months or years, as they are leveraging existing, regulated infrastructure via APIs.

Does the platform support mobile app integration?

Yes. You can build a fully branded white label neobank app by connecting your frontend to our middleware platform through a single set of developer-friendly APIs.

How does the platform handle global regulations?

Our neobank platform includes built-in compliance modules. We handle the KYC onboarding, transaction monitoring, and reporting to authorities, ensuring that all payments meet worldwide regulatory standards.

Can I issue my own branded debit cards?

Absolutely. As a white label neobank provider, ConnectPay enables you to issue physical or virtual VISA/Mastercard debit cards that feature your brand’s logo and design.

What are the cost benefits of using a white label neobank platform?

Using a white label model can reduce infrastructure and compliance costs by up to 75% compared to building and maintaining a proprietary banking system and legal department.