Revolut Clone | White Label Neobank App Platform

The Revolut app is the easy twenty percent. Read this before you build a neobank.

Revolut is the most convincing argument in fintech that a great app changes everything, and the most misleading one. In 2025 it reported six billion dollars of revenue, up forty-six percent, and about $2.3 billion in pre-tax profit, with 68 million retail customers across forty markets and a valuation around $75 billion, and it finally won an unrestricted UK banking licence after years in regulatory mobilisation. Founders see that and reasonably think, I want that app. Here is the uncomfortable truth from people who build these for a living: the app you are looking at is maybe twenty percent of a neobank. The other eighty percent is the part you cannot see, and it is the part that takes years.

I am telling you this before you spend a dollar because it is the single most useful thing on this page. The multi-currency wallet, the card in the app, the slick transfers, the crypto tab, all of that is software we have already built and can white-label to your brand quickly. Whether that software ever holds a real customer's money depends entirely on the four things underneath it, and those are yours to bring.

What we ship, and the four things only you can bring

What we ship is a genuinely complete neobank front end and its integration layer: native iOS and Android apps, multi-currency wallets, virtual and physical card issuing through providers like Stripe Issuing or Marqeta, real-time FX, domestic and international transfers, savings and optional crypto and stock modules, a KYC and onboarding flow, and an admin and compliance dashboard. It is $14,000 one-time, with full unencrypted source code, 3 months of support, and the app itself is typically live in 21 days.

What only you can bring, and no software vendor can honestly provide, is the actual bank. That means a sponsor bank or a Banking-as-a-Service provider (Treasury Prime, Unit, Galileo, or a regional equivalent) to hold funds and move money, the right licence for your market (a Money Services Business registration in the US, an Electronic Money Institution licence in the EU, a payment-institution authorisation in the UK, or the local equivalent), and a real compliance program with people accountable for it. The 2024 collapse of the BaaS provider Synapse, which left tens of thousands of end-customers unable to reach their money, is the reason we build the platform to be BaaS-adapter agnostic so you are never welded to a single provider. That licence-and-banking track runs in parallel over months. The app being ready in three weeks does not change that, and I would be doing you a disservice to imply otherwise.

The compliance and rails stack, in the detail that actually matters

Since the invisible eighty percent is where neobanks live or die, let me be specific about what our platform actually handles so you can see where the software ends. Onboarding runs a real KYC and AML flow, document capture and liveness through a provider like Persona, Jumio, or Onfido, sanctions and PEP screening, and ongoing transaction monitoring with a rules engine for the obvious patterns plus a queue for human review and suspicious-activity reporting. That is not a checkbox, it is the machinery a regulator and a sponsor bank will both expect to see, and it is built in.

The money layer is designed around a single idea, that you should never be welded to one provider. Card issuing runs through Stripe Issuing or Marqeta with tokenisation and 3-D Secure, and PAN data is scoped so you stay on the sane side of PCI. The banking layer sits behind a shared adapter interface, so a BaaS provider like Treasury Prime, Unit, or Galileo, or a regional sponsor bank, plugs in as a configuration change rather than a rewrite. Transfer rails, SWIFT, SEPA, ACH, FedNow, UPI or PIX depending on your market, sit behind the same clean boundary. And the admin side is a proper compliance console, KYC queues, alert triage, audit logs of every privileged action, and regulator export packs. We ship all of that. What we cannot ship, and say so plainly, is the sponsor-bank contract, the licence, and the accountable compliance officer who signs off on it. Those are yours, and they are the reason the timeline for a real launch is measured in months even though the app is ready in weeks.

Who should actually attempt this

This is the right buy if you already have, or have a credible path to, a sponsor-bank or BaaS relationship and the licensing for your market: an emerging-market operator with a domestic banking partner lined up, a remittance or crypto business adding a full account, a telco or large platform bundling banking into an existing base, or an established fintech extending into current accounts. In those hands, buying the app for $14,000 instead of spending a year and several hundred thousand dollars building it is an obvious, and frankly easy, decision. If you have none of the banking pieces yet, buy the licence and the sponsor relationship first, and come back for the app when they are real. That order will save you a great deal of money and heartache, and telling you so is worth more than a quick sale. The rest of what we build is in the white-label catalogue.

Written by the Make An App Like build team. We build neobank and fintech platforms, and we would rather map the regulatory reality for you than sell you an app you cannot legally switch on.