Launching a neobank from scratch is a complex and time-intensive process. You're not just building features; you’re handling real money, regulatory rules, identity verification, multi-currency logic, ledger accounting, and transaction integrity. It can take years to assemble the right backend infrastructure, APIs, and mobile experience that meets security and compliance standards.
But you don’t have to start from zero.
White-label digital banking platforms give developers a ready-to-go backend and API layer, often complete with KYC flows, wallet logic, card issuing, and a prebuilt mobile app, so your team can skip the boilerplate and go straight to building product-specific logic. Whether you’re launching a wallet, a neobank, or embedded banking services, these platforms can save you hundreds of development hours and help you ship a production-ready MVP faster.
Here are some of the top white-label platforms worth considering:
Founded: 2013
Headquarters: Vilnius, Lithuania
Best for: Neobanks, e-wallet providers, payment institutions, and enterprises entering FinTech
SDK.finance provides a white-label digital banking Platform designed for fast, flexible product launches. The system is built on a modular, ledger-based architecture that supports both traditional and crypto assets. It includes 60+ functional modules and 470+ RESTful APIs, covering core banking, KYC, digital wallets, money transfers, FX, crypto-to-fiat support, and payment acceptance.
Key features:
- PCI DSS Level 1 certified infrastructure
- Mobile apps (iOS/Android) included
- 2,700+ TPS performance baseline
- Full source code license or PaaS subscription model
- Role-based back-office UI
- Pre-integrated with KYC, card issuing, and payment providers
SDK.finance is especially attractive for businesses that want full control, thanks to its source code license, and those prioritising fast deployment through its cloud PaaS.
Mambu
Founded: 2011
Headquarters: Berlin, Germany
Best for: Lenders, banks, and FinTech startups with complex loan products
Mambu is a cloud-native SaaS banking engine with composable architecture. It enables companies to pick and combine different services to match their unique requirements. Its API-first model supports quick integrations with third-party solutions.
Strengths:
- Strong lending suite (BNPL, microloans, etc.)
- Used by N26, Santander, and other tier-1 players
- Composable, cloud-only platform
Temenos Infinity
Founded: 1993
Headquarters: Geneva, Switzerland
Best for: Traditional banks undergoing digital transformation
Temenos is known for its extensive core banking software. Temenos Infinity, their digital front-end, can be integrated with their Transact core or other systems. It supports digital onboarding, origination, and omnichannel experiences.
Why choose it:
- Deep functionality for corporate and retail banking
- AI and ML capabilities for personalisation
- Global reach and support
Finacle by Infosys
Founded: 1999
Headquarters: Bangalore, India
Best for: Banks looking for end-to-end digital transformation
Finacle provides a highly modular digital banking suite. It covers everything from core banking and digital channels to treasury and analytics. With its microservices-based architecture, Finacle is ideal for large-scale deployments.
Highlights:
- Used by over 1,300 banks globally
- Strong support for omnichannel banking
- Real-time processing engine
Backbase
Founded: 2003
Headquarters: Amsterdam, Netherlands
Best for: Banks focusing on customer experience and engagement
Backbase is not a core system itself but a front-end Platform for digital banking. It connects with any core banking system to enable personalised digital journeys and omnichannel UX. It’s widely used for modernising legacy banks.
Best suited for:
- Building intuitive frontends
- Creating unified experiences across mobile, web, and branch
Finastra
Founded: 2017 (merger of Misys and D+H)
Headquarters: London, UK
Best for: Large banks and credit unions
Finastra’s Fusion platform is a flexible, open banking system used by 90 of the world’s top 100 banks. It offers core banking, lending, payments, and treasury services. Finastra supports cloud and on-prem deployments, making it ideal for hybrid approaches.
Choosing a white-label digital banking Platform depends on your product vision, team expertise, and regulatory environment. If you want speed and customisability without sacrificing control, SDK.finance is a solid place to start. For institutions needing enterprise-grade deployments or legacy modernization, solutions like Mambu, Finacle, or Temenos may be more appropriate.
Do your due diligence, explore developer docs, and evaluate the support ecosystem before committing—building a neobank is a long-term relationship with your tech partner.