What is a white-label fintech platform?

A working money app -- accounts, cards, payments, payouts -- built and run for you, with your name, your colours and your domain on it. Your users sign up with you and pay you. You set the fees and keep them.

Can my users send money abroad?

Yes. A send-money-abroad template gives your users transfers to other countries with the rate shown before they send, across 135+ currencies for sending, receiving and converting.

Do I keep the fees my users pay?

Yes. You set a percentage on sending, a percentage on receiving, a margin on exchange, a monthly fee or none, and what a card costs. Every fee your users pay is yours.

Pick a template, add your name and colours, and preview it free. When you are ready, launch it on your own domain.

Create your own financial platform.

Q: Can I build my own bank-style app?

You can build your own financial platform: accounts with real account details, Visa cards, transfers abroad, payment links, invoices and subscriptions, under your own brand and domain. It is not a bank and does not take deposits; payment services are provided by regulated partners. Depending on what your platform does, you may need your own licence or registration before it launches, and we tell you which in writing before you launch.

Your brand. Your users. Your fees. Live within 24 hours.

Build my platform See how it works

Send money abroadlike Wise Business or Remitly

Your users send money to another country and see the rate before they do. Open GlobePay ↗

Start with this template

How it works

See how it works, step by step.

1 / 5

What your users get

A card. An account. Their money, in three currencies.

The card

Visa, with your brand on it

£ GBP

•••• •••• •••• 8392

Card holder

R. Campbell

Valid thru

04/30

Virtual in the app. Physical in the post. Example card.

The account

Details in their own name

Account nameG. Lewis

Sort code71-93-38

Account number37611005

EUR and USDIncluded

Example details. Real ones are issued per user.

The balances

Side by side, switched at live rates

🇬🇧GBP£12,480.50£11,480.50

🇪🇺EUR€8,210.00€9,370.00

🇺🇸USD$5,300.00

Plus 135+ currencies for sending and receiving. Example figures.

Build your own bank-style app. Without being a bank.

SendPay Business is a white-label fintech platform builder. You get a money transfer app, a payment link platform, an account with Visa cards, or a crypto exchange, under your own name and domain, with your own users and your own fees. It is not a bank and does not take deposits; payment services are provided by regulated partners. Some models need your own licence or registration before they launch, and we tell you which, in writing, before you launch.

Get the app

Download the desktop app.

Install SendPay Business on your Mac or Windows computer.

Desktop app

For Mac and Windows computers.

Get the app

Download the mobile app.

Install SendPay Business on your Android phone or iPhone.

Mobile app

For Android phones and iPhone.

Templates

Start with one. Make it yours.

Six ready-made platforms. Pick the closest, rename it, recolour it, launch it.

Black warehouse manager arranging an international shipment while using a tablet

Send money abroadlike Wise Business or RemitlyStart with this template

East Asian business owner checking her account on a phone while holding a payment card

An everyday account, with cardslike Revolut Business or StarlingStart with this template

Red-haired trader reviewing cryptocurrency market charts beside a hardware security key

A crypto exchangelike Coinbase or KrakenStart with this template

South Asian wedding photographer confirming a client payment on her phone at an outdoor venue

Get paid by linklike PayPal BusinessStart with this template

Older fashion marketplace owner checking seller payouts while her team packs clothing orders

A marketplace that pays its sellerslike Etsy or FiverrStart with this template

Middle Eastern fitness club founder managing memberships on a tablet while members train outdoors

Memberships and subscriptionslike Patreon or SubstackStart with this template

Why own it

Their fee, or yours.

This is what they charge. This is what you could make.

PayPalBusiness

2.9% + 30p

of every payment your users make. More from abroad. Kept by them.

On £10,000 of £100 payments: £320 to them.

WiseBusiness

£50, then 2.69%

£50 to open. Then 2.69% at the cash machine, 2% to top up an e-wallet, and a cut of every conversion. Kept by them.

On £10,000 from the cash machine: £262 to them. On £10,000 converted: from £24 to them.

You decide

Set any fee you like, or none. Every penny stays with you, and your users are yours.

On £10,000 at 1% you keep £100. At 2.9% you keep £290.

PayPal and Wise figures are their published UK rates, read on 13 September 2026; they change, so check theirs. The £10,000 lines are worked examples at those rates. Design and preview your whole platform free, then launch when you are ready.

Work out what yours could earn

Build. Verify. Launch.

Step 1

Build

Pick a template, type your name, choose your colour. The site changes as you do.

Step 2

Verify

Confirm who you are with a quick ID check when you are ready to launch.

Step 3

Launch

Live on your own domain when you launch. Your first user can sign up that day.

Which one is yours?

Send money abroad An everyday account, with cards A crypto exchange Get paid by link A marketplace that pays its sellers Memberships and subscriptions

Build my platform

People working at desks in a bright office with a reception desk — Run it from your office

Two developers at their monitors, code on the laptop screen — Built on technology you already use

A team of five talking through plans pinned to the office wall — Your team, your users

Resources

A useful next step, wherever you are.

Explore an idea, work through your numbers or learn what a launch involves. Everything has a place.

Browse all resources

Illustrative portrait of a woman looking at the camera and holding her purple and pink ShoppZone card

Create · share · remix

Your idea. Someone else’s inspiration.

Make a platform concept with your name and colours. Share the look, ask friends what they think, or remix a design into something new.

Explore the design challenge

Free to design and share. Public showcase submissions are opt-in and reviewed.

Work through your numbers

Calculators, invoices and everyday business tools, without a sign-up.

Explore free tools

Plan with a clearer picture

Practical guides, checklists and plain-English explanations for your next decision.

Read the guides

New: free business website

Build a free business website. Free forever.

Any company or individual. Unlimited visits and bandwidth, no card. Add a cart and take payments when you're ready, and buy your own domain through us by card, crypto or bank transfer.

Build my free website How it works

Free, and it stays freeNo trial, no card, no visitor caps.
Edit by tappingChange any heading, paragraph or picture.
Payments, free to addCart, payment links, Apple Pay and Google Pay.
Your own domainSearch, buy and connect it. Pay by card, crypto or bank transfer.

Start today.

✓Your users, your fees✓Your own domain✓Preview before you launch

Build my platform See the templates

SendPay Business is a technology company, not a bank, and does not take deposits. Payment services are provided by regulated partners; balances are held with those partners and are not covered by the Financial Services Compensation Scheme. Depending on what your platform does, you may need your own licence or registration before it launches; we tell you which, in writing, before you launch. PayPal, Wise, Revolut, Starling, Remitly, Coinbase, Kraken, Etsy, Fiverr, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business. Cards, account details, figures and screens shown are examples.