Manigo
Manigo is a UK (outside the EU/EEA) fintech-infrastructure provider (BaaS, Card issuing software, Issuer processing). Verified at source - licence, regulator and registry reference. Active
Who it's for
Manigo is built for teams that want accounts, payments and cards behind one contract and one API. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
What Manigo does
Verified licence profile
Manigo (Manigo Connect Ltd, UK) - white-label BaaS / cards-as-a-service orchestration: own ledger, card issuing and BIN/EMI sponsorship, launchable with or without a licence. Fully-managed plus API.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you Manigo? Work with us →
European alternatives to Manigo
Edenred Payment Solutions (ex-PrePay Solutions / PPS; UK + Belgium) - card issuing, BIN sponsorship and in-house processing; Mastercard + Visa primary issuer. FCA EMI (UK, FRN 900010) + PPS EU SA (NBB Belgium, passported to 7 EU countries). Part of Edenred SE (FR, listed); founding member of Mastercard BIN Sponsor Plus.
🏦 Local IBANs: BG GB
Paynetics (Bulgaria; + UK) - card issuing, BIN sponsorship and accounts; dedicated IBANs (SEPA + SWIFT) plus UK sort-code accounts. Dual EMI: BNB (No. 44) + FCA (942777; formerly TPR 900785).
🏦 Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
🏦 Local IBANs: LT
Bankera (Lithuania) - business and personal banking (LT IBANs, SEPA/SWIFT, cards) operated via UAB Pervesk (EMI, Bank of Lithuania). Earlier 2017-18 ICO-funded history.
🏦 Local IBANs: ES
Cecabank (Madrid, Spain) - wholesale bank offering BaaS to FIs, fintechs and corporates: payments, securities services, treasury and digital solutions; a settlement/agency bank enabling fintech payments and IBANs.
🏦 Local IBANs: LT
ConnectPay (Lithuania) - BaaS and embedded finance for platforms (accounts, payments, cards). EMI No. 24 (Bank of Lithuania); PIS/AIS extension 2024.
FAQ
Is Manigo European / EEA-based?
Manigo is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does Manigo do?
Manigo covers: BaaS, Card issuing software, Issuer processing. Verified at source by Fintechnologica.