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How to choose a white-label banking provider: 8 questions to ask

By SendPay Business · · 2 min read

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White-label banking providers let you launch a money app under your own brand. They differ a lot in price, features and how much of the regulated side they handle. These questions help you compare them fairly before you commit.

8 questions to ask

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Watch for hidden costs

Low headline prices can hide monthly minimums, per-user charges or revenue shares that grow as you grow. Ask for every cost in writing.

Try it

Name your platform and watch it come to life

Type a name, tap a colour and pick what it does. The phone changes as you go.

Colour

What it does

Build mine

Design and preview your whole platform free, then launch when you are ready.

Check what is real

Ask to see the product working, not just slides, and check how the provider describes its licensed partners. Be wary of anyone who calls their platform a bank if it isn't one.

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How SendPay answers

SendPay platforms are free to design and preview, and you set your own fees. Identity checks are built into sign-up, everything runs on licensed partners, and SendPay tells you in writing what applies before you launch.

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How it works

Your own money app
  1. Name it and pick your colours
  2. Choose what it does
  3. Launch when you are ready

Why sign up

Create your free SendPay account

It's all about creating your own financial platform with ease. Start with a free account today.

  • A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
  • Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
  • A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
  • Your own financial platformDesign and preview your whole platform free, then launch when you are ready.
Create a free business account Create a free websiteStart building your platform

SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

Questions people ask

Is it cheaper to build a banking app myself?

Work out the first-year cost of an in-house build from your own team and timeline, and see how a white-label launch differs.

Banking app build cost calculator →
Which money app should I launch?

Answer a few questions and get a suggested platform type.

Which money app should I launch? →
Should I build or buy?

The honest trade-offs.

Build vs buy →
What is a BIN sponsor?

The licensed partner behind branded cards.

BIN sponsors →

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Spotted a mistake or something out of date? and we'll fix it. How our guides are made

This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.