A complete white-label neobank with accounts, cards, transfers, KYC and a backoffice, branded as yours and owned 100% by you.
The product
The screens your customers use, in the order they meet them, shown with demo data. Your logo, colours and domain go on top.
Mobile app for iOS and Android
Personal details, ID and a selfie, with the address filled in as it is typed and checks running in the background. No branch, no paperwork.
The balance, the debit card and today's activity on one screen, with send, request, exchange and top up one tap away.
Pick a contact, type the amount, add a note. SEPA Instant transfers arrive in seconds, free, with a receipt ready to share.
Freeze a card, show the PIN, set limits and switch online, contactless or ATM use on and off, without calling anyone.
Merchants named and categorised, transfers and salary in one feed, filtered by income, spending or transfers.
Delivery
~30 days
Time to launch, on a 12-month scale
The banking core exists in production form. We apply your brand, configure accounts and cards, deploy, and hand over the source code.
2–3 months
Time to launch, on a 12-month scale
A unique banking flow (lending, savings vaults, multi-currency IBANs) assembled from the module library around the same proven core.
Licensing
Holding and moving customers' money is regulated in the EU, the UK and the UAE: a neobank needs an e-money, payment or banking licence, its own or a licensed partner's, and which one depends on the market.
Granted by the regulator of the EU country where you are established, it covers e-money and payment services; a payment institution licence covers payment services but not e-money, and deposits need a bank. It asks for initial capital, a local head office, sound governance and AML controls, and safeguarding: customer funds kept in a separate account at a credit institution or in secure low-risk assets, or insured or guaranteed. E-money is not a deposit and may not earn interest. PSD3, proposed to fold EMIs into the payment institution rules, was still in the EU legislative process on 6 October 2026.
The FCA authorises EMIs under the Electronic Money Regulations 2011, and smaller issuers can register as a small EMI instead. Applicants need a UK head office or branch, initial capital, safeguarding and wind-down plans, policies written for their business and experienced managers. New safeguarding rules took effect on 7 May 2026: daily reconciliations, a resolution pack, a monthly return to the FCA and, for most firms, an annual safeguarding audit. E-money is not protected by the Financial Services Compensation Scheme if the e-money firm itself fails.
Onshore, the Central Bank of the UAE licenses stored-value wallets under its Stored Value Facilities Regulation, and payment accounts, cards and transfers under its Retail Payment Services and Card Schemes Regulation; banks are deemed licensed for both. An SVF licensee must be a UAE company outside DIFC and ADGM, with paid-up capital backed by a bank guarantee, managers approved as fit and proper, and customer money segregated at licensed banks, or guaranteed or insured, and reconciled daily. In DIFC the DFSA, and in ADGM the FSRA, authorise payment accounts and stored value as money services. A new central bank law, Federal Decree-Law No. 6 of 2025, took effect on 16 September 2025; these regulations stay in force until replaced.
Many neobanks launch on a licensed partner first. The partner bank or EMI opens the accounts, issues the IBANs and holds or safeguards the money; your company runs the app under your brand, often as its agent or distributor, and the partner stays liable for what you do on its behalf. In the EU and the UK, an agent must be on the regulator's register before it starts; in the UAE, licensed providers report their agents to the Central Bank, and promoting payment services without a licence is prohibited. The accounts module connects to ClearBank, Banking Circle, Modulr, Solaris, Swan, Treezor and Griffin.
The platform ships with KYC / AML (ID, liveness and sanctions checks), compliance reporting (transaction monitoring, suspicious activity reports, exports for auditors) and a ledger reconciled daily against bank statements. We help you choose a partner bank or EMI for your markets and set the platform up to its requirements. We are not lawyers: take advice on your licence and partner agreement from your own counsel.
Applying for the licence yourself? Paynoramic Consulting prepares its technical side with you
General information, not legal advice. Checked against the sources above on 6 October 2026.
Launch
The software takes about 30 days on the ready path. The launch date is usually set by your partner's onboarding or your own licence, and by the card programme's approval.
Assembled from
Each one running in production before it reaches your platform. See the whole library
How it works
One call. Tell us the product, the market and the launch date. We map it to the modules that already exist.
We pick the modules, apply your brand and set up your infrastructure. Every piece is already proven in production.
Your platform goes live on your domain, with your data, under your control.
Source code, documentation and the keys. The platform is yours, with no licence and no revenue share.
Questions
The platform is a one-off fee, scoped per module and agreed in writing, with no licence fee, no revenue share and no lock-in. Plan separately for what sits around the software: your own licence and its capital, if you apply for one; the card programme's set-up; hosting on your own infrastructure; and contracts with the partner bank and the providers you choose, which we help you get.
Yes, and many do: you launch on a partner bank's or EMI's licence and run the app, often as its agent or distributor, registered where the rules require it. The partner vets your company first and answers for what you do on its behalf. You need a banking licence only to take deposits yourself. Once you hold your own licence, the accounts module connects to your sponsor bank, IBAN ranges and safeguarding accounts, with the same screens and ledger.
Never Paynoramic: the software runs on your infrastructure. On the partner route the bank or EMI holds it; with your own EMI licence, you do. E-money must be safeguarded, kept apart from the firm's own money and out of its creditors' reach, or insured or guaranteed. It is not a bank deposit, may not earn interest and is not covered by deposit guarantee schemes such as the UK's FSCS if the e-money firm fails.
Yes, both through your partners. Each customer gets a named or virtual IBAN from your partner bank or EMI, for salaries, direct debits and SEPA Instant transfers; most partners issue IBANs from one EU country that work across the SEPA area. Cards come from your issuer processor on Visa or Mastercard: a virtual card once KYC passes, ready for Apple Pay and Google Pay, then a physical card by post.
The software takes about 30 days on the ready path. Customers can open accounts once your partner bank or EMI has onboarded you, or your licence is granted, and the card programme is approved. Those dates are set by others, so we cannot promise them. Two deadlines are set by law: EU and UK regulators decide a complete EMI application within three months, and an EU regulator decides on an agent within two months.
Accounts and IBANs: ClearBank, Banking Circle, Modulr, Solaris, Swan, Treezor or Griffin, on SEPA, SEPA Instant, Faster Payments and SWIFT. Cards: Marqeta, Thredd, Nium, Paymentology, Enfuce, Galileo, Adyen Issuing or Stripe Issuing. Identity checks: Sumsub, Onfido, Veriff, Jumio and others. A provider you already have a contract with becomes one more connector, and switching provider later keeps the same app and ledger.
You own all of it. At launch you receive the full source code of the banking core, the ledger, the iOS and Android apps and the backoffice, with infrastructure configuration, documentation and the keys. There is no licence fee, no revenue share and no lock-in: the platform is a deliverable, not a subscription. Changing partner bank or issuer processor later means a new connector, not a new app.
Yes, from the module library rather than a rebuild: multi-currency balances and conversion through the FX module, payouts abroad, and open banking to show accounts held at other banks. Lending and savings vaults are custom builds, scoped per module in writing. Check the licence first: e-money may not earn interest and only banks may take deposits, so savings that pay interest need a partner bank.
Guides
Your own e-money licence, an EMI's agent, a partner bank or a bank licence: how each route works, who holds the money, and what safeguarding and deposit protection cover.
Paynoramic's Head of IT7 min read
What an e-money institution and a payment institution may do in the EU, the capital each needs, safeguarding, passporting, and launching as an agent first.
Paynoramic's Head of IT7 min read
E-money or payments, authorised or small: what the FCA asks for in capital, safeguarding and people, how long it takes, and when an agent or banking partner is the faster route.
Paynoramic's Head of IT7 min read
More platforms
Start your project
One call is enough to map your product to the modules that already exist.
