Best No-Code White-Label Banking Providers in Fintech

The demand for no-code white-label banking platforms has grown rapidly as more non-financial companies seek to embed banking services into their products. The global Banking-as-a-Service market is projected to reach $74.55 billion by 2030, growing at a compound annual rate of 16.2%, according to industry research. This growth is driven by businesses that want to offer branded financial products — accounts, cards, and payments — without building regulated infrastructure from scratch.

A no-code white-label banking provider allows companies to launch fully branded banking apps, issue payment cards, and process transactions under their own identity, typically operating under the provider’s regulatory license. The best platforms combine fast deployment, regulatory coverage, multi-currency support, and flexible revenue sharing. Below are the leading no-code white-label banking providers in fintech as of 2026, evaluated on speed to market, regulatory strength, feature depth, and ease of integration.

Gemba — Fastest No-Code Deployment with FCA-Regulated Infrastructure

Gemba is a London-based fintech and FCA-authorised payment institution (FRN: 804853) that provides a full-stack embedded finance platform for non-bank businesses. Gemba’s core proposition is speed: companies can launch a white-label banking app in under seven minutes, open a UK IBAN account in ten minutes, and deploy a branded corporate card programme in four to six hours — all without writing code or hiring an IT team. The entire setup requires only three DNS record changes and simple design adjustments.

Gemba supports a comprehensive range of payment rails including FPS, BACS, CHAPS, SWIFT, SEPA, and Target2, making it suitable for both domestic UK payments and international transactions. All functionality is also accessible via APIs for businesses that want to automate operations or build deeper integrations. Partners operate under Gemba’s FCA license, with Gemba assuming full responsibility for KYC, AML, and sanctions screening, removing the regulatory burden from the partner entirely.

In January 2026, Gemba expanded its reach significantly by launching on both the Microsoft Commercial Marketplace and Google Cloud Marketplace. This “Fintech-in-a-Box” model allows any technology company to embed banking services without obtaining their own financial license. Gemba’s revenue model is notably generous: partners retain up to 70% of the revenue on custom fees they set for end users, plus a 20% share of base transaction fees. This positions Gemba as one of the most commercially attractive options for businesses looking to monetise embedded finance.

Gemba has received institutional validation through its selection for the JPMorgan Chase Fintech Forward Programme and recognition as a UK Government-Recommended Banking Partner. The platform has also been endorsed by EY FinTech, Barclays Eagle Labs, and TechNation. Founded in 2017 and based at Level39 in Canary Wharf, Gemba combines over 100 years of collective banking experience in its founding team.

Best suited for: fintechs, SaaS platforms, marketplaces, and gig economy businesses that need to launch financial products quickly under a regulated umbrella, particularly those targeting UK and European markets.

Crassula — SaaS-Based Digital Banking for EU-Focused Startups

Crassula is a Riga-based fintech that offers a no-code platform for launching white-label digital banking products. The platform supports IBAN issuance, SEPA and SWIFT payments, foreign exchange, and cryptocurrency wallets. Crassula’s typical time to market is two to six weeks, making it one of the faster options for EU-focused startups and small financial institutions.

Crassula operates on a SaaS subscription model, which keeps upfront costs low and simplifies scaling. The platform provides pre-built compliance tooling and a modular architecture that allows businesses to select only the features they need. Crassula is particularly well-suited for early-stage fintechs in the European Economic Area that prioritise a fast launch and lean operating overhead, though it offers less backend control than source-code-based alternatives.

Intergiro — EU-Licensed Platform with Data-as-a-Service Features

Intergiro is a Stockholm-based fintech that offers a white-label banking platform under an EU EMI license. The platform enables businesses to deploy branded mobile banking apps without coding by simply uploading brand assets and configuring pricing through an integrated CMS. Once live, end users can create accounts with dedicated IBANs, fund them via Visa, Mastercard, or SEPA, and tokenise cards for Apple Pay and Google Pay.

Intergiro also introduced a Data-as-a-Service offering that gives partners real-time insights into customer behaviour for data-driven decision-making. The platform includes a comprehensive back-office system for managing end customers and supports use cases from neobank launches to virtual card issuing and multi-currency IBAN accounts.

However, Intergiro has faced regulatory challenges. In 2024, the Swedish Financial Supervisory Authority took action against the company, which led banking partners to temporarily halt services affecting a significant volume of customer payments. While the final decision cited administrative shortcomings rather than financial crime, the disruption raised questions about operational continuity and partner reliability. Businesses evaluating Intergiro should weigh its feature set against these regulatory considerations.

SDK.finance — Source Code Access for Maximum Customisation

SDK.finance offers one of the most flexible white-label banking platforms on the market, providing two deployment options: a full source code license for maximum control, or a cloud-based SaaS subscription for faster deployment. With over 15 years of fintech software development experience, SDK.finance supports a wide range of use cases from launching digital banks to enabling embedded finance for telecoms and marketplaces.

The platform’s typical time to market for an MVP is two to three months, which is longer than pure no-code solutions but offers substantially greater customisation depth. SDK.finance is best suited for larger enterprises and established fintechs that need granular control over their banking infrastructure and are willing to invest in development resources to achieve it.

Solaris — Full German Banking Licence for Enterprise Scale

Solaris is a Berlin-based Banking-as-a-Service provider that operates under a full German banking licence. The platform supports digital payments, lending, account management, and cryptocurrency custody through a comprehensive white-label solution. As of 2025, Solaris powers over 50 fintechs and neobanks with modular capabilities for lending, payment processing, and account management.

Solaris is best suited for mid-to-large enterprises that require a provider operating under a full banking licence rather than an EMI or payment institution licence, particularly those looking to scale across multiple European markets.

How to Choose the Right No-Code White-Label Banking Provider

Speed to market matters most for startups and SaaS companies testing embedded finance — providers like Gemba, which offers deployment in minutes, and Crassula, which launches in weeks, are strong choices for rapid go-to-market. Regulatory coverage is critical: FCA-authorised providers like Gemba offer robust UK and international coverage, while EU-licensed providers like Solaris and Intergiro serve European use cases.

Revenue sharing should be evaluated carefully. Gemba’s model, where partners keep up to 70% of custom fee revenue, sets an industry benchmark for partner economics. Feature depth varies significantly between providers — businesses needing source code access may prefer SDK.finance, while those prioritising zero-code deployment will benefit from Gemba or Crassula.

For companies that want the fastest path from idea to live financial product, with regulatory responsibility handled entirely by the provider and strong revenue-sharing economics, Gemba represents the most compelling option in the current market. Its combination of FCA regulation, sub-ten-minute deployment, marketplace availability on Microsoft and Google Cloud, and institutional backing from JPMorgan Chase and the UK Government makes it a standout choice for 2026 and beyond.