How we safeguard your money
Because Equals Money accounts don’t fall under FSCS, your money is protected via safeguarding. We hold your funds in specially designated, safeguarded bank accounts, which keep them separate from our other assets.
neobanks
Integrate based on your roadmap
Choose the model that matches your resources, launch goals, and product maturity, with the flexibility to evolve your approach as your capabilities grow.
Build embedded experiences
with our API
Integrate payments, global accounts, and card issuing directly into your own app, platform, and operational workflows.
White label our existing
fintech infrastructure
Launch quickly with a fully branded solution. Offer cards, accounts, and payments without building the tech stack from scratch.
Create powerful customer experiences for your neobank
Deliver multi-currency wallet functionality
Issue accounts with multi-currency IBANs, enabling customers to receive and manage funds in 35+ currencies without unnecessary conversions or the need for multiple accounts across jurisdictions.
Offer card programmes with full control
Create, control, and monitor payment cards in real time, with built-in spend controls, seamless funding flows, and user-level permissions.
Serve global payouts and transfers
Reach new markets using SWIFT, SEPA, SEPA Instant, and UK Faster Payments, and support high-volume payouts.
Strengthen compliance, safeguard transactions
Maintain continuous, bank-grade sanctions and fraud screening across all activity without operational drag. Deliver strong regulatory protection and uninterrupted operations with proactive monitoring, clear escalation paths, and expert human oversight.
Launch with our implementation team
Extensive API docs
Launch without the cost, complexity, or time associated with developing your own financial technology stack.
We're your licensed partner
Operate under our regulated infrastructure so you can launch and scale without needing to acquire complex licences.
End-to-end compliance & KYC
We run all KYC, AML, KYB and ongoing monitoring on your behalf. From identity checks to transaction screening, we handle the workload.
What is the difference between API integration and white label?
API integration gives you full control. You build financial services features and functionality directly into your own product, workflows, and user experience using Equals' API. This is best for teams that want flexibility and customisation.
White label is a ready-built solution. You launch financial services under your own brand using pre-built infrastructure, without developing the technology yourself.Equals manages the underlying tech, licensing, and compliance.
In short:
API = build and customise
White label = quicker to market with a ready-made solution
Can we start as a white label and move to API later?
Yes. Equals supports a flexible approach where you can start with white label to launch quickly, then transition to API as your product and internal capabilities evolve.
Many businesses take this path:
- Start with white label for speed to market
- Move to API for greater control and differentiation
- Or use a hybrid model combining both
Do you support local payment rails?
Yes. Equals provides access to major global and local payment rails, including:
- UK Faster Payments
- SEPA and SEPA Instant
- SWIFT
This allows you to send and receive funds internationally while delivering local-speed payouts where supported.
Can we issue virtual and wallet-ready cards?
Yes. You can issue a full range of cards, including:
- Virtual cards
- Physical cards
- Tokenised cards compatible with digital wallets (e.g. Apple Pay, Google Pay)
Cards can be created, managed, and controlled in real time, with features like spend limits and lifecycle management.