End-to-End White-Label Digital Banking Software
Launch a digital bank faster with SDK.finance white-label digital banking software. Get an end-to-end banking platform with a robust core banking engine, ready-made web and mobile interfaces, PCI DSS and ISO-certified infrastructure, and the tools needed to build and scale digital banking products.
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What is SDK.finance white-label digital banking software?
SDK.finance white-label digital banking software is an end-to-end banking platform for launching digital banking products under your own brand. It combines a robust banking core, ready-made web and mobile interfaces, back-office tools, compliance capabilities, and 570+ APIs in one customizable software environment.
Instead of building a banking platform from scratch, banks, fintechs, EMIs, and neobanks can use SDK.finance to speed up time-to-market, reduce development risks, and create branded digital banking experiences for their customers.
Who is SDK.finance white-label banking software for?
SDK.finance is designed for businesses that want to launch or scale digital banking products without building the entire platform from scratch.
For fintech companies
AvailableLaunch a branded digital bank, neobank, or payment product faster with ready-made banking core functionality, customer interfaces, and API-based integrations.
For banks
AvailableModernize digital banking services with a customizable white-label banking platform that supports accounts, payments, cards, onboarding, and back-office operations.
For EMIs and PSPs
AvailableBuild digital financial products with multi-currency accounts, transfers, payment workflows, compliance tools, and integrations with third-party providers.
For enterprises
AvailableGet more control with source code ownership, custom deployment options, and the flexibility to adapt the platform to internal business and regulatory requirements.
All-in-one digital banking software features
From client onboarding and KYC to multi-currency accounts, transfers, card issuing, and compliance, SDK.finance provides a complete white-label banking platform with a robust banking core and 570+ APIs for integration, customization, and future growth.
Multi-currency accounts
Currency exchange
Transaction history
Card issuing
Money transfers
QR-code payments
Cash withdrawal
Fully digital onboarding
In-app customer support
Share your product requirements
And see how SDK.finance can fit your banking product requirements
Request a demoOut-of-the-box white-label banking software functionality
For your clients
- Onboarding & 2FA (two-factor authentication)
- Multi-currency accounts, crypto-to-fiat support
- Ongoing KYC/KYB with a trusted vendor
- Real-time currency exchange
- Customer profile & settings
- Cards & IBAN linked to accounts
- Send, request, or exchange funds
- Payment links & QR code payments
- Operations with cash for clients (Cash points)
- Customisable white-label mobile banking app available in English, Arabic, French, and Spanish
For merchants
- Payment acceptance offline (POS, QR codes)
- Payment acceptance online (gateway)
- Checkout page experience
- Dispute resolution: refunds & chargebacks
- Transaction monitoring and management
- Automated reconciliation and settlement
- Reports
System management
- Currency & assets creation engine
- Flexible fees & limits engine
- In-system CRM & chat with clients
- Detailed transaction monitoring
- Flexible reporting
- AML/Anti-fraud officers’ workspace
- User action history
- Reconciliation & settlement section
- Roles & permissions
Ready-to-go white label mobile banking app
Get a fully customisable iOS&Android mobile banking app equipped with essential features. The app is available in four languages – English, Spanish, French, and Arabic – allowing you to serve diverse client bases from day one.
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Need pricing for your banking product?
Tell us what you want to build, and we’ll recommend the right SDK.finance package and pricing option.
Discuss pricingSave time and resources
with our white-label digital banking Platform
Building a digital bank from scratch can take years and require extensive resources. With SDK.finance, you get speed, cost-effectiveness and unparalleled customizability.
Time to launch
Development costs
Customisability
Compliance readiness
1+ years
$$$$
High
Manual
A few weeks
$$
High
Built-in integrations
Deployment models
Source Code License
AvailableA one-time purchase that provides full ownership of the platform’s codebase. This option is ideal for enterprises and financial institutions that require maximum control, unlimited customisation, and independence from the vendor. With the source code license, you can host the solution on-premise or in your preferred cloud infrastructure.
View details
SaaS
AvailableA subscription-based model designed for startups and growing fintechs that need a quick launch with minimal upfront costs. The SaaS option gives you access to the full white-label banking software environment, pre-built mobile and web apps, and ongoing updates managed by SDK.finance.
View detailsSource code license for
Enterprises
Full source code access
Complete freedom to modify and customize at your pace.
Warranty protection
Coverage for bug fixes and security updates
Comprehensive support
We empower your team with in-depth training, guidance, and ongoing support.
Meet your deadlines
Operate with your internal team to meet deadlines, bypassing vendor delays.
Minimized development risks
Avoid the bottlenecks of building from scratch
Consistent updates
Leverage regular Platform updates and enhancements for peak performance.
What our customers say
Nebeus sought a Platform with ready-made solutions to save on development time and SDK.finance stood out for its competitive pricing, 24/7 support, responsive professional team, and flexibility for customization. The implementation process was smooth since we built our solution from scratch after partnering. Overall, we saved lots of time and money so I would recommend SDK.finance to those seeking a swift and affordable start.
Get in touch to discuss your project with our experts
White-Label Digital Banking Software FAQs
White-label banking is a ready-made software model that allows a bank, fintech, EMI, or other financial institution to launch banking services under its own brand. A white-label banking platform can include a banking core, online banking software, web and mobile applications, back-office tools, compliance integrations, and APIs. This reduces the time and cost required to build a digital bank from scratch.
White-label banking software is a complex and technologically advanced product. It includes all the necessary core banking modules for accounts, payments, cards, AML/anti-fraud, and reconciliation. Alongside the banking core, it provides 650+ APIs for integration and ready-made mobile and web interfaces for end-users. This way, businesses receive not just a backend system, but a complete digital bank foundation that can be branded, customised, and expanded.
With white-label banking you save years of development and reduce costs. You can launch faster, rely on PCI DSS and ISO-certified security, and focus on growing your client base instead of building the core banking software.
Retail banking software is a technology platform that helps banks and financial institutions provide everyday banking services to individual customers. It typically supports digital onboarding, multi-currency accounts, payments, transfers, cards, currency exchange, transaction monitoring, customer management, and regulatory workflows. SDK.finance combines these capabilities with ready-made web and mobile interfaces, back-office tools, and 650+ APIs.
Yes. You can request a guided demo of the SDK.finance digital banking platform to explore its core banking capabilities, back-office tools, web and mobile interfaces, and available integration options. The demo helps your team evaluate how the software can support your product requirements before selecting a SaaS or Source Code License deployment model.
SDK.finance white-label banking software comes with pre-built integrations for card issuing (Marqeta, Mastercard), payment gateways and processors (Stripe, PayPal, Paysafe, Corefy, CoinGate), open banking (Salt Edge), AML/KYC (Sumsub, ComplyAdvantage, OpenSanctions), and currency exchange (Currencycloud), along with tech services like Amazon S3 and SES. New integrations can be added either by our team on request or by your developers using the platform’s convenient API-first design.
SDK.finance white-label banking software is available in two models: SaaS for a fast and cost-efficient start, and a source code license for full ownership and unlimited customisation.
The cost of white-label or online banking software depends on the deployment model, required functionality, integrations, customisation, infrastructure, and support scope. SDK.finance offers a SaaS model with subscription-based pricing for a faster launch and a Source Code License for organisations that need full ownership and extensive customisation. Contact our team for pricing based on your banking product requirements.
There are no location-related restrictions for using digital banking software from SDK.finance. The primary databases are under your team’s control in both SaaS and source code variants.
In the SaaS version, the SDK.finance hosts and maintains only the backend application on AWS or another cloud service provider. Consequently, you can comply with regulatory requirements related to sensitive data management and storage.
SDK.finance uses the cutting-edge technology stack. The software is developed on the Java 17 LTS. Our team performs security testing via JUnit, Arquillian, and OWASP security scanner. We review the code quality with SonarQube, UpSource, and FindBugs.
The implemented REST and gRPC API architecture helps to facilitate integration with third-party providers and services and assists in driving your banking or payment product innovation.
When choosing a retail banking platform, evaluate its core banking functionality, web and mobile interfaces, API coverage, security certifications, compliance integrations, deployment options, customisation capabilities, and time to market. SDK.finance provides an end-to-end retail banking platform available as SaaS or under a Source Code License, allowing businesses to choose between a faster managed launch and full software ownership.
