Build a neobank / business-account app
Accounts, payments and cards inside your own app. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.
How the stack fits together
A business-account app stands on one decision: buy the bundle from a BaaS provider, or compose accounts, issuing and KYC from specialists. The bundle is faster and simpler to contract; composing gives price leverage and an exit route per layer. Either way the licence behind the accounts defines your regulatory story and what happens to client money - work through the BaaS selection guide before the first demo.
Step 1 — Core banking stack required
A BaaS provider gives accounts + payments + cards on one licence - the fastest path (or compose IBAN + issuing + BIN separately).
What to check: Ask whose licence your customers sit under, which components are subcontracted, and what the path to your own licence would look like.
In the catalogue — BaaS: 61 live providers, 43 with data in the EEA; 9 on a banking licence, 34 on an e-money licence.
Browse all: BaaS
Step 2 — Verify customers required
Mandatory onboarding and AML.
What to check: Business accounts need KYB as well as KYC - check beneficial-owner checks and company-registry coverage in each target market.
- Authologic EU core Poland
- Fourthline EU core Netherlands
- iDenfy EU core Lithuania
In the catalogue — KYC/KYB: 35 live providers, 18 with data in the EEA; document checks at 23, biometrics at 20, business (KYB) checks at 13 and national eID at 3.
Browse all: KYC/KYB
Step 3 — Connect external banks optional
PSD2 aggregation and payment initiation for top-ups and a richer app.
What to check: Check bank coverage in your markets and whether payment initiation, not just account data, is supported.
In the catalogue — Open banking: 38 live providers, 25 with data in the EEA; 26 documenting payment initiation, 4 variable recurring payments.
Browse all: Open banking
Step 4 — Cards in mobile wallets optional
Apple/Google Pay provisioning.
What to check: If your BaaS provider issues the cards, ask whether wallet provisioning is included or bought separately.
- Enfuce EU core Finland
- Giesecke+Devrient EU core Germany
- IDEMIA EU core France
In the catalogue — Tokenization – X-Pays: 18 live providers, 10 with data in the EEA; 12 EU-core.
Browse all: Tokenization – X-Pays
Sovereignty notes
- Pick an EU-core BaaS with data hosted in the EEA (GDPR / CLOUD Act).
- Local IBANs avoid the IBAN-discrimination problem in your target markets.