As digital banking becomes central to global financial services, companies increasingly rely on white-label digital banking platforms — ready-to-deploy software solutions that include account infrastructure, real-time ledgering, identity verification, card issuing, payment orchestration, compliance automation, and branded mobile/web applications.
Instead of building complex core banking systems in-house, businesses integrate modular white-label digital banking software that allows them to go live in weeks, not years.
Below are the 10 leading global providers that offer true white-label digital banking software (not BaaS, not issuing-only, not clearing banks).
The Best White Label Digital Banking Platforms (2026)
1. FinHost (EU / UK / MENA)
Best overall next-gen modular white label digital banking platform
FinHost provides a full-stack white-label digital banking ecosystem: multi-currency accounts, fiat & digital-asset modules, card issuing, AML/KYT automation, onboarding flows, transaction monitoring, cross-border payouts, and branded mobile/web apps. FinHost supports both fiat and crypto under one infrastructure — making it ideal for neobanks, SaaS platforms, marketplaces and super-apps planning global expansion.
2. Fintech Core (Global)
Best for deep customisation and modular digital banking logic
Fintech Core by DashDevs offers a flexible, API-driven architecture with: a ledger engine, account management, payments, KYC/AML integrations, card issuing modules, and fully brandable apps. A strong choice for fintechs needing high customisability and ownership of the banking logic while using a ready-made foundation.
3. EBANQ (Global)
Best lightweight white-label digital banking software
EBANQ is a fast-to-launch white-label system with a clean UI/UX across mobile and web apps.It includes accounts, payments, user management, and third-party KYC/card integrations. Ideal for digital-only banks, niche fintechs, and quick market entries.
4. Mbanq Digital Banking Platform (US / EU / APAC)
Best white-label digital banking suite with modular extensions
Mbanq offers a flexible white-label digital banking platform used by neobanks, credit unions, and emerging fintechs.
It includes:
– ledger & account engine
– card issuing
– onboarding
– compliance
– mobile/web applications
It is one of the most complete white-label banking software suites on the market.
5. Wallester White-Label Banking Suite (EU)
Best for white-label issuing + digital banking interface
Wallester offers a white-label platform that includes card issuing, transaction processing, AML monitoring, and branded banking apps. Although known for issuing, its platform has expanded to full digital banking capabilities suitable for neobanks and fintech brands.
6. Tuum (Estonia / EU)
Best cloud-native core banking for white-label digital banks
Tuum offers a composable core banking engine with white-label capabilities for accounts, payments, and financial workflows. It enables fast creation of custom digital banking products through a modular architecture.
7. Toqio (EU / UK)
Best white-label platform for SME-focused digital banking products
Toqio provides a no-code/low-code digital banking builder with:
– white-label mobile/web apps
– account & payment modules
– compliance tools
– integrations with issuing / KYC / payment partners
Ideal for fintechs targeting SMEs or specific niches.
8. Alchemy Digital Banking Suite (US / Global)
Best white-label neobank engine for fintech accelerators
Alchemy provides turnkey digital banking technology with account management, card issuing, compliance tools, and mobile apps.
Used by neobanks, credit unions, and enterprise fintech programs.
9. Solidgate Banking Suite (Global)
Best white-label banking + payment orchestration hybrid
Solidgate combines payment rails, account infrastructure, KYC flows, and digital banking modules in a white-label system suitable for platforms requiring strong payments + banking logic.
10. Fidor Solutions (Global)
Best white-label digital banking framework for large-scale deployments
Fidor’s digital banking engine provides accounts, ledgering, payments, compliance modules, and fully brandable digital channels. Strong for enterprise fintech and digital transformation projects.
The global shift toward embedded finance, multi-currency accounts, instant payments, and automated compliance is driving demand for white-label digital banking platforms. These providers allow businesses to deliver banking-grade experiences without building complex infrastructure themselves.
Among all solutions, FinHost remains the strongest choice for companies seeking:
✓ modular architecture
✓ multi-region regulatory alignment
✓ fiat + digital-asset support
✓ instant onboarding
✓ rapid time-to-market
✓ scalable global expansion
White-label digital banking has become a strategic advantage — and these 10 platforms power the next generation of global financial products.
Read more about core banking software companies
