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 empower businesses with fast, secure payments, seamless accounting integration, and fully integrated management solutions that naturally fit into your organisation’s workflow.

Dedicated account numbers and IBANs in key currencies including GBP, EUR, USD, CAD, CHF, and others, paired with competitive FX rates.

Get Started in Minutes

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

Gemba news

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Latest updates and insights from Gemba

Oct 23, 2025

The invisible bank: Architecting the future of commerce

The fundamental nature of banking is undergoing a seismic transformation. For centuries, banking has been a distinct destination

Oct 17, 2025

The Embedded Finance Paradox

Navigating the Trillion-Dollar Opportunity and Its Systemic Risks

Sep 22, 2025

Gemba to join JPMorganChase Fintech Forward Programme to accelerate innovation in Fintech

Gemba, a UK licensed neo bank has been selected to join the prestigious JPMorganChase Fintech Forward Programme.

<YOUR_BRAND> Business banking

Now your clients can manage your finances 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

Introducing our new White-Label solution — fully customisable for your brand!

Launch your own branded online banking app in under 10 minutes — fully managed by Gemba.

Accounts

Create accounts for your company or your customers. Access data and manage transactions for each account.

High Yield Savings Account - (Coming Soon)

Grow your savings faster with competitive interest rates.

Accounting

Elevate your solution with seamlessly embedded banking features.

Corporate cards

Pamper your customers or employees with smart cards. You can design and issue cards with your own logo in just seconds using our dashboard.

Web banking app

Invite your customers to our ready-made web banking app (white-labeled), or build your own using our APIs.

Virtual IBANs

Enjoy automated reconciliation by assigning limitless virtual IBANs to your account for free.

XERO Integration

Connect your account with Xero and reconcile easily.

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)