Neobank Infrastructure
Everything a digital bank needs under its own brand: accounts customers can be paid into, cards they spend with every day, and payment rails that reach the world — assembled on one platform instead of a dozen vendor integrations.
What infrastructure does a neobank need?
A neobank needs four layers: account infrastructure (IBANs customers can receive salaries into), card issuing (branded virtual and physical cards with controls), payment rails (SEPA, SWIFT and FX for money in and out), and a compliance layer (KYC onboarding, AML monitoring, reporting). Neobank infrastructure platforms deliver all four as APIs, so the neobank builds only its brand, app and customer experience.
The four layers, one platform
Named IBAN accounts
Every customer gets dedicated account details for salaries and transfers, with automatic reconciliation.
Daily-driver cards
Instant virtual cards at signup, premium branded plastic to follow — one account behind both.
Payments in & out
SEPA and SWIFT transfers plus multi-currency balances across 35+ currencies.
Onboarding & compliance
KYC flows, AML transaction monitoring and controls that scale from first user to first million.
Spending controls & alerts
Real-time authorization rules and webhook-driven notifications power the in-app experience users expect.
Program operations
Dashboards for support, disputes and reporting so your ops team runs the bank day to day.
From brand to live neobank
- 1
Define the proposition
Markets, currencies, card products and account features.
- 2
One onboarding
KYB, compliance and scheme setup with a single partner.
- 3
Build your app
Your UX on top of accounts, cards and payments APIs — sandbox first.
- 4
Launch in weeks
Pilot, iterate and scale without re-platforming.
Who builds on this
Frequently asked questions
Can we launch a neobank without a banking license?
Many neobanks launch on partner infrastructure rather than their own license: the platform and its sponsors hold the regulated relationships while the neobank owns brand, app and customers. Licensing strategy for your specific markets is scoped during onboarding.
How long does it take to launch a neobank on NetPay?
Partners typically reach a live pilot in weeks because accounts, card rails, compliance workflows and APIs already exist — the timeline is driven by your app build, not by infrastructure.
Can customers receive their salary into the account?
Yes — every customer can have named IBAN details that receive SEPA and SWIFT credits, with events streamed to your app the moment funds land.
What makes card experience 'neobank-grade'?
Instant virtual issuance at signup, real-time spending notifications from authorization webhooks, in-app freeze and controls, and branded physical cards — all standard capabilities of the issuing platform.
Related pages
Ready to launch with NetPay?
Tell us what you're building — our team will map the fastest route from scoping to a live program.
Get started