Banking-as-a-Service: Everything you need to offer banking
Payments, cards, IBANs, and financing - all the essentials, ready for immediate deployment under your own brand
Full business flexibility
Offer payments, cards, accounts, and financing without building a bank from scratch. You focus on growth and customer relationships - we provide the infrastructure.
- white-label model for your brand
- for both licensed and non-licensed companies
- customer relationship remains on your side
Technology & security
Vodeno delivers cloud-native APIs, while UniCredit provides the banking license and Tier-1 regulatory framework.
- modern cloud-based APIs
- compliance handled by the banking partner
- secure and regulated operating model
Financing without limits
Expand your offering across Europe with access to UniCredit’s balance sheet and embedded financing where your customer is.
- access to UniCredit balance sheet
- scalability across the EU
- processes on our side, growth on yours
Success stories
Explore the potential and power of our solutions.
Fintech Lender
Scaling financing for a fintech lender
UniCredit implemented & integrated wholesale financing directly within the client’s system via API. This enabled the company to scale faster without the typical limitations of traditional funding sources.
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Embedded payments / full-stack BaaS
Full banking offer, plug-and-play
A European fintech expanded its offering by issuing cards within the BaaS model. Integration shortened time-to-market and connected digital accounts with everyday payment usage.
Healthcare & beauty / consumer finance
Streamlining financing for medical and beauty services
A specialist finance provider replaced a costly securitization structure with a simpler financing model from UniCredit. This improved capital efficiency and created a stronger foundation for further growth.
Relocation & EdTech
From relocation services to everyday banking
A platform supporting international students expanded its offering to include accounts, cards, and processes related to moving to a new country. This allowed them to acquire customers early in the journey and retain them longer.
Online accounting
Financial hub: Accounting-as-a-Platform
A digital accounting platform enriched its product with business accounts and fast onboarding. Integration enabled combining accounting, payments, and daily financial operations in one place.
BNPL / consumer finance
Scaling BNPL providers
Thanks to integration with financing and operational processes, BNPL providers can efficiently handle growing transaction volumes while UniCredit ensures stable access to funding, allowing them to focus on growth.
Global e-commerce fintech
Banking backbone for a global e-commerce platform
An international e-commerce fintech launched merchant accounts with access to secure payment schemes. This created a strong foundation for further expansion into new markets.
Explore the offered products and available banking solutions across the European Union
Digital Onboarding - Frictionless KYC & Regulatory Shield
- End-to-end KYC, KYB, and AML ensuring GDPR and PSD2 compliance.
- Automated risk scoring engines for real-time user verification and mandatory reporting without manual intervention.
- Fully digital onboarding that integrates seamlessly via API
Accounts - Scalable Ledger Infrastructure
- Local IBANs and virtual IBANs across 21 EU countries, allowing your users to transact like locals in multiple currencies.
- Leverage a blockchain-based core ledger for immutable records and highly flexible, no-code product parameterization.
- Real-time treasury operations with instant internal settlement and full traceability of all funds within your ecosystem.
Unified Payments - Real-Time Rails & Intelligent Routing
- Global scheme access with connection to SEPA Instant, SWIFT, and local rails (like BLIK, Bizum, Vero, MBnet) through a single integration point for maximum reach.
- Our engine automatically routes transactions via the most efficient path to minimize fees and settlement times.
- Enable zero-cost, real-time money flows between users through our internal smart-contract ledger.
Savings & Deposits - Licensed Security & Enhanced Retention
- Protect customer funds under a full banking license, providing the highest level of trust and security.
- Rapidly launch multi-currency savings accounts and term deposits with flexible interest structures.
- Drive retention by embedding regulated interest-bearing products directly into your platform’s native experience.
Card Issuance - Physical & Virtual Cards with PCI-Less Tech
- Our cloud architecture routes sensitive data directly to users, removing your platform from the scope of complex PCI compliance.
- Provide instant wallet and enable immediate spending with virtual cards that support native Apple Pay and Google Pay tokenization.
- Maintain total control by approving transactions in real-time through authorization forwarding based on your custom logic.
Embedded Lending - Scalable Credit via Modular APIs
- Deploy Installment loans, BNPL, Merchant Cash Advance, and Overdrafts tailored to your ecosystem’s specific user behavior.
- Leverage internal transaction data and our embedded risk engine to offer instant, precise credit scoring at the point of need.
- Scale your lending volume using our banking license and balance sheet, preserving your own capital for core operations.
Investment-as-a-Service (IaaS) - High-Engagement Investment Infrastructure & Robo-Advisory
- Deploy both "Self-Directed Investing" and automated "Managed Portfolios" (Robo-Advisory) directly within your existing ecosystem to capture a wide range of investor profiles.
- Empower users with dedicated multi-currency investment accounts featuring instant top-ups, real-time FX exchange, and transparent commission disclosures.
- Replace fragmented systems with a cloud-native, smart-contract core that provides internalized execution and custody alongside fully digital onboarding.
Our technology partner
Vodeno is the technology provider powering the UniCredit BaaS infrastructure. While UniCredit NV/SA and Vodeno are separate legal entities, they are both 100% subsidiaries of UniCredit Group and work in close partnership to deliver integrated financial services via a Cloud Native platform. What makes us stand out is our modern e2e banking engine which we use internally within UniCredit and offer to external clients as a scalable SaaS or BaaS solution via API. Learn more about the technology at vodeno.com.
Are you a business looking for BaaS solutions?
Please use the form below to reach the UniCredit BaaS Business Unit.
*Important: This contact channel is strictly for inquiries regarding BaaS partnerships. If you are an individual customer or a business seeking standard banking support - such as account help, card blocking, or technical assistance, please use this form: unicredit.pl/kontakt.