The future is now!

We help make your business ideas of the future happen today. Our VODENO Cloud Platform is a modern cloud-native ‘360’ ecosystem and one of the most comprehensive ‘Banking-as-a-Service’ platforms offering the broadest range of retail and business banking solutions. We combine our innovative technology with a European banking license and regulatory and compliance expertise from seasoned bankers.
Banking-as-a-Service platforms
Explore our products

We offer a broad range of fintech solutions

Together with our bespoke technology, we curated some of the best fintechs in the world for our VODENO Cloud Platform. Nearly 90 partners – and growing – are integrated into the platform to offer end-to-end embedded banking solutions across accounts/onboarding, payments, cards, investments, lending and much more.

Comprehensive Banking-as-a-Service

The VODENO Cloud Platform is one of the most comprehensive Retail & SME banking platforms on the market. We support, among many others, some of the most sought after solutions, including Buy Now Pay Later (BNPL), decoupled debit, merchant financing and accessing payment infrastructure. Tell us your vision, and we will advise on the best solution for your business.

Comprehensive Banking-as-a-Service
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Broad range of fintech solutions
VODENO Cloud Platform’s suite

Cloud-Native Platform

We are the first banking platform built on Google Cloud architecture. As a certified Google Partner, we have been tested to be scalable and agile in handling large transactional volumes through the VODENO Cloud Platform’s suite of APIs.

Full ECB banking licence

Get a BaaS solution from an actual bank. We hold a full ECB licence for all key EU markets, and we provide the broadest portfolio of banking products and services coupled with the guarantee of a licensed European bank. That way, you can be sure the products you offer are fully compliant with the latest regulations.

ECB banking licence
All banking services


Customer facing services

Daily banking services


iOS, Android and web apps

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Customer support

24/7 multilingual Customer Support Centre.
Savings and investments

Customer communication

Full suite of communications: SMS, Email, Push and Voice.

Daily banking services


Digital onboarding

Secure end-to-end remote onboarding process, fully compliant with all AML/KYC banking regulations.


Full account management functionality for retail and business accounts with European IBANs.

Lending and BNPL

Seamless integration of lending products into your platform: cash loans, BNPL, overdrafts. Enable your customers to receive a credit decision in up to 10 minutes.


Comprehensive local and cross-border payment solutions with live FX rates for banks and payments institutions.


Card issuance and transactions processing in partnership with Mastercard. Optional decoupled debit and BNPL built into card.

Savings and investments

Saving accounts, term deposits, and robo-advisory asset management solutions, allowing your customers to save, manage and grow their funds.

Business processes outsourcing

Wide range of operational capabilities designed to help your business. From transaction monitoring, settlement activities and reporting to many others.

White-label mobile app

White-label app for customers with ready-to-use products. Personalised to your branding and accessible 24/7.

Other services


KYC/AML/AF management

Compliance out-of-the-box: 500+ controls to guarantee the highest security standards; 360 degree AML & AF detection; Compliant with EBA, GDPR, ISO 27001, ISO 222301 and other standards.

Credit risk management

Operational capabilities for credit risk, payments and cards.
Savings and investments

Data and reporting



Foreign Exchange

In-house FX engine: best-in-class technology combined with direct access to interbank rates, liquidity and risk management.



Savings and investments

Cloud engineering


Take action

Revolutionise the market with an innovative banking app

We helped launch Aion Bank, a mobile-first, fully digital bank. Through the VODENO Cloud Platform, Aion’s IT covers all aspects of Retail & SME universal bank activities with hundreds of open APIs. Aion’s service is also secure by design with data security using unique customer keys with blockchain integrity control algorithms.

Aion Bank was the first European bank to be built entirely with cloud technologies, and you can access this revolutionary banking app through our white-label service.

This app offers a full suite of services without needing to visit a branch, including onboarding, loan applications, and business banking.



Access a whole host of local, instant and international payments

Merchant financing

Merchant financing

Optimise your cashflow for accelerated growth and innovation

Decoupled debit

Decoupled debit

Leverage the power of Open Banking to create unique customer experiences

Get in touch to schedule a demo of our Platform in action.

financial services