Launch bank-grade accounts, payouts, FX, and cards in minutes — own margins, keep your UX.

Gemba is a banking infrastructure layer for non-banks. We provide businesses with rapid and secure payment solutions, smooth integration with accounting systems, and comprehensive management tools that seamlessly align with your organisation’s operations.

We have simplified the process of launching or integrating a full-scale payment banking application: go live in just 7 minutes, allowing you to bypass delays and begin earning immediately. Gemba handles all the heavy lifting by providing KYC/KYB, compliance, payments, cards, and customer success as a service.

Your customers will receive dedicated account numbers and IBANs in key currencies including GBP, EUR, USD, CAD, CHF, and more, paired with competitive FX rates, branded corporate credit cards, and instant cross-border payments.

Get Started in Minutes

Launch bank-grade accounts, payouts, FX, and cards in minutes — own margins, keep your UX.

See how you can launch in 7 minutes

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Latest updates and insights from Gemba

Mar 18, 2026

Gemba named in the 2026 Sifted Leaderboard for the UK & Ireland

Read more about Gemba named in the 2026 Sifted Leaderboard for the UK & Ireland...

Jan 22, 2026

Gemba Finance Secures Spot in Elite Business 100 Amid Rapid Embedded Finance Expansion

Read more about Gemba Finance Secures Spot in Elite Business 100 Amid Rapid Embedded Finance Expansion...

Jan 22, 2026

Why the Next Banking Revolution Has No Interface

Read more about Why the Next Banking Revolution Has No Interface...

<YOUR_BRAND> Business banking

Now your clients can manage their finances at banking.your_brand.com with dedicated accounts and international IBANs — no branch visits required. Send and receive payments worldwide with fast FPS, BACS, CHAPS, SWIFT, SEPA, and Target2 payments. Seamlessly connect via our Payments API to automate bulk payouts with ease.

Apply for White Label banking

You earn 20% of every transaction fee. If you charge above our base rate, you keep 70% of the uplift.

Core UK Accounts & IBANs

Dedicated multi-currency business accounts and limitless virtual IBANs for reconciliation.

Currency exchange

Real-time foreign exchange engine providing market-leading rates for global payments.

Traditional & Bulk Payment Rails

High-capacity domestic and global payment networks enabling massive bulk processing.

Instant Account-to-Card Payments

Instant push-payments directly to debit and credit cards globally worldwide.

Stablecoin pay-outs (piloting)

Instant, programmable cross-border settlements utilizing highly regulated digital asset networks.

Open Banking & Next-Gen Architecture (piloting)

API-first architecture enabling direct account-to-account payments and autonomous treasury operations.

Corporate Cards & Spend Controls

Highly customizable physical and virtual corporate cards with programmatic limits.

White Label web banking app deployment

Launch fully branded digital banking portals seamlessly in minutes.

High Yield savings accounts (coming soon)

Maximize returns on idle corporate cash through consolidated deposit integrations.

Accounting: Xero integration and QuickBooks

Flawless real-time transaction synchronization with premier cloud accounting software platforms.

Compliance & Risk Management as a Service

End-to-end regulatory compliance, automated onboarding, and safeguarded operations without licenses.

Customer Success & Operations as a Service

Fully managed technical infrastructure and white-labeled tier-one customer support operations.

Total Support Package

Rest assured, we handle everything so you can focus on growing your business and serving your clients better.

Comprehensive Services Include:

1. Compliance

Our dedicated compliance team conducts all necessary checks internally, eliminating the need for you to have your own compliance team.

2. Processing

Leave the hassle of payment processing to us. Our team manages all payment processing needs for you and your clients, ensuring seamless transactions.

3. Branding

All automated emails are personalised with your branding, providing a consistent and professional experience for your clients from start to finish.

4. IT Support

Forget about IT maintenance concerns. Our expert team maintains our partners white-label platforms internally, ensuring smooth operations without any stress on your end.

Global payments made simple — send, receive, and save on transfers.

Send and accept cross-border transfers
Send money worldwide — instantly or within minutes.
Keep your money in GBP, EUR, USD, CAD, CHF, DKK, NOK, SEK, PLN, RON, CZK, HUF, HKD, SGD, ZAR and CNY
Issue branded corporate credit cards in UK and EU
Send instant bulk payments (up to 3000 payments a minute)

Get started

Robust banking tools, designed to be simple to integrate.