White-label banking. Your brand, our infrastructure
Create a fully branded banking platform without building from scratch. Fully white-label, configurable, and ready to launch.
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Why build when you can launch?
Building your own banking platform means months of development, regulatory work, and significant IT costs. If your priorities are speed to market, customer experience, and minimal technical overhead, use a white-label solution to get a production-ready platform from day one.
What is it
What is white label banking?
White label banking is a model where a regulated provider supplies the accounts, payment rails and compliance, and another company offers them to its own customers under its own brand. Your customers see your logo, colours and name. The licensed infrastructure behind it belongs to the provider.It lets a company add financial products to what it already sells without becoming a regulated institution itself. An accounting firm can offer business accounts to the companies it incorporates. A crypto platform can give users a dedicated IBAN for euro deposits and withdrawals. A startup accelerator can include an account in its membership.With Narvi, the regulated provider is Narvi Payments Oy Ab, an e-money institution supervised by the Finnish Financial Supervisory Authority and passported across the EEA. Narvi isn't a bank, and neither is a white label banking platform built on it: the accounts are e-money accounts, with client funds safeguarded as EU e-money rules require.Reduce time to market and save money with white-label solution
Focus on growing your business, not building the tech.
Launch in weeks instead of years
Building a banking platform from scratch can take 12-24 months, between development, regulatory approvals, and testing. With our solution, all that work is done for you.
Pay a fraction of the price
Creating a banking platform can cost up to €500,000, from hiring developers to managing infrastructure and compliance. Our white-label solution eliminates these costs.
Introducing a faster, easier way to offer financial services
With Narvi's white-label banking platform, you can bypass the IT burden, licensing hassle, or compliance complexities.
No need for an in-house IT teamWe handle the platform build and ongoing maintenance, saving you the time and expense of managing IT.
No licensing requiredOperate under our licensing umbrella with full regulatory coverage, so you don't need to secure your own licence.
Compliance made easyLet us manage the paperwork, background checks, and KYC processes so you can focus on your customers.What is included in the platform
White-labeled business banking portalYour customers access a modern, responsive online banking interface branded with your logo, colors, and typography. With no-code customization, you can upload your assets, configure preferences, and the platform is ready.
Dedicated IBAN accountsIssue dedicated IBAN accounts to your customers. Each IBAN is unique, and funds are fully segregated, traceable, and safeguarded at EU-regulated banks in accordance with e-money regulations. Your customers can send and receive SEPA payments under their own name and IBAN.
SEPA and SWIFT paymentsNarvi supports SEPA Credit Transfer, SEPA Instant, and SWIFT payments to 100+ countries. Your customers get a full-featured payment experience without you touching a single payment rail.
Multi-user access and rolesYour customers can grant access to multiple team members with role-based permissions. Directors, accountants, and employees each see and do only what they’re authorized for – essential for businesses that need internal controls.
Compliance and fund safeguardingNarvi handles KYC/KYB onboarding, transaction monitoring, and regulatory reporting. Your customers’ funds are safeguarded at EU-regulated banks as cash deposits, in full compliance with e-money regulations. Services are provided under Narvi’s EMI licence, passported across the EEA.
Platform maintenance and upgradesNarvi manages the platform’s technical infrastructure, security updates, and feature releases, with no in-house IT team required. As we develop new capabilities, like multi-currency IBAN accounts, card issuing, and more, the platform automatically gets them.Launch your branded banking platform
Tailor your banking platform to your brand’s visual identity
Customize everything from your logo and colors to typography, ensuring your online banking platform aligns with your brand’s visual style. Create a cohesive experience for your customers, effortlessly.Use cases
Who uses Narvi White-label Banking?
White Label Banking is designed for organizations that want to offer banking services to their customers or members without the cost and complexity of building their own platform:
iGaming operators and platforms
Player deposits and operator payouts are payment-intensive, multi-currency, and subject to regulatory scrutiny. A white-label platform lets you manage operator treasury, process B2B settlements with game providers, and handle cross-border payouts via SWIFT to 100+ countries without building your own payment infrastructure.
Crypto exchanges and OTC desks
Your customers trade crypto, but they also need to move fiat. A white-label banking portal enables dedicated IBANs for EUR deposits and withdrawals via SEPA Instant, without you building fiat payment infrastructure. Narvi already onboards licensed VASPs/CASPs, so the compliance framework is built for your industry.
Accounting and legal service providers
Your clients may struggle to open a European business account, especially if they’re non-EU residents, operate in complex holding structures, or work in sectors traditional banks avoid. A white-label banking platform lets you offer your clients branded IBAN accounts as part of your service package. You become the one-stop solution for incorporation and banking, strengthening retention and adding a recurring revenue stream from transaction fees.
Startup accelerators and platforms
Your members are innovative companies that struggle with slow onboarding, limited multi-currency options, or outright account refusals from legacy banks. Offering a branded banking portal as a membership benefit creates tangible value that justifies premium tiers.
Compared
White label banking vs Banking-as-a-Service vs core banking software
The three terms get used interchangeably, but they describe different operating models. The difference is who builds the product, who holds the licence and who runs it day to day.White label bankingYou get a finished, branded product: a business banking portal your customers log into, with dedicated IBAN accounts, SEPA and Swift payments and team roles already built. The provider holds the licence, runs customer onboarding and compliance, and maintains the platform. You bring the customer relationship and the brand. It's the fastest route to market and needs no development team.Banking-as-a-Service (BaaS)Banking-as-a-Service gives you regulated building blocks through an API, so you can embed financial services into your own app and design the customer experience yourself. You need developers to build the front end, but you control every screen and payment workflow. Many companies start with white label and move parts of the experience to the API later.Core banking softwareCore banking software, whether licensed or SaaS, is the ledger and account management system a bank or EMI runs itself. It doesn't come with a licence, payment scheme access or a compliance team. It suits a financial institution that already holds a licence, or is applying for one, and wants to own the whole operating model. Implementation services, integration with existing systems and source code access are usually priced separately.Launch in weeks instead of years for a fraction of the priceTalk to us
How the setup works
Scoping call
We discuss your business model, target audience, and feature requirements.
Platform configuration
You provide us with your brand assets. We add them to the platform to match your visual identity.
Compliance setup
We configure KYC/KYB flows and compliance rules for your customers.
Testing
You can now review the branded platform, test the customer journey, and provide feedback.
Go live
Your banking platform goes live. We handle all backend operations and maintenance from here.
Operating model
How the operating model works
A white label banking arrangement splits the work between your company and the regulated provider. With Narvi it looks like this:- Narvi provides: the accounts under its EMI licence, the dedicated IBANs, SEPA, SEPA Instant and Swift payments, KYC and KYB checks, transaction monitoring, regulatory reporting, safeguarding of client funds, and platform maintenance and upgrades.
- You provide: your brand assets, the customer relationship, marketing to your target market, and the pricing you charge your own customers.
- Your customers get: a branded online banking portal with their own IBAN, payments in and out, and multi-user access with roles for directors, accountants and employees.
Build on trusted infrastructure
Narvi is regulated as an Electronic Money Institution by the Finnish Financial Supervisory Authority.
Our license is passported across the EEA.
Customer funds are held at EU-regulated banks as segregated cash deposits. We undergo regular audits and maintain security and regulatory standards.
Services are subject to onboarding, risk assessment, and regulatory requirements.Costs
What white label banking costs
Narvi prices white label projects after a scoping call, based on the features you need, your expected number of accounts and your customers' risk profile. There's no build cost and no IT team to hire, because the platform already exists.When you compare white label banking solutions, ask every provider for the same cost components:- setup fees and any one-time configuration or implementation scope charges
- monthly platform fees and any minimum commitment
- per-account fees and payment fees, including SEPA Instant and Swift
- who keeps which share of the account and transaction fees your customers pay
- what happens to your customers' accounts if you leave: notice periods, migration and exit rights
How to choose
How to choose a white label banking provider
The platform is the visible part. What decides whether a white label banking product works long term is the regulated provider behind it. Check:- Licence and regulator: who holds the licence, which authority supervises it, and whether it's passported to the countries your customers are in.
- Safeguarding: how client funds are protected, and at which EU-regulated banks they're held.
- Risk appetite: whether the provider accepts your customers' industries, for example crypto, iGaming or non-EU companies, before you build a go-to-market plan around them.
- Payment rails: SEPA, SEPA Instant and Swift for international payments, and whether IBANs are dedicated or virtual.
- Customisation: how far branding goes, and which parts of the customer journey you can't change.
- Operational controls: audit trails, user roles and the reporting your customers' finance teams will need.
- Continuity: contract terms, exit rights, and what happens to customer accounts if the arrangement ends.
FAQ
White label banking FAQ
A model where a regulated provider supplies accounts, payments and compliance, and another company offers them to its customers under its own brand. The customer sees your brand; the licensed infrastructure belongs to the provider.
No e-money licence of your own is needed, because the accounts are provided under Narvi's EMI licence. Narvi's compliance team confirms during scoping what your role in the arrangement requires.
No. Narvi Payments Oy Ab is an e-money institution supervised by the Finnish Financial Supervisory Authority and passported across the EEA. Client funds are held separately from Narvi's own money at EU-regulated banks.
White label banking gives you a finished, branded portal with no development needed. Banking-as-a-Service gives you the same regulated building blocks through an API, so you build your own customer experience.
Yes, subject to Narvi's onboarding and risk assessment. Narvi already onboards licensed crypto-asset service providers and iGaming businesses, so the compliance framework covers those industries.
The platform already exists, so setup covers scoping, branding, compliance configuration and testing rather than development. Narvi gives you a timeline after the scoping call.
Launch your branded banking platform
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IBAN Accounts For Your Business
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A propos de Narvi (EN)
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Narvi Payments Oy Ab est un établissement de monnaie électronique agréé (EMI). La licence IME de Narvi est accordée par l'Autorité finlandaise de surveillance financière (FIN FSA) avec le numéro d'enregistrement 3190214-6. La licence de Narvi est passeportée pour tous les pays de l'Union européenne.
Construite et réglementée en Finlande© 2026 Narvi. All Rights Reserved.
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