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Gemba

Gemba (Gemba Finance Ltd) is an FCA-authorised payment institution offering embedded banking and white-label infrastructure for non-banks. Partners can launch branded banking apps giving their customers dedicated accounts and IBANs in currencies including GBP, EUR, USD, CAD and CHF, along with FX, corporate cards, bulk payments and account-to-card payouts. Gemba provides KYC/KYB, compliance, payment processing and customer support as a service, and also offers business accounts directly.

Fees from
Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.
Settlement
—
Coverage
28 countries
Payment methods
9
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Gemba before signing. Visit Website is an external link; we may earn a commission.

Gemba overview

Best for

UK and EU fintechs, platforms, marketplaces and communities that want to offer their own branded business accounts, IBANs, FX, payouts and cards without holding their own licence.

Gemba pricing & fees

Pricing structure

Pricing
Corporate fees (UK / EU / World): Account opening application review fee FREE / FREE / 99.00; Account maintenance (per month) FREE / 69.00 / 69.00; Incoming SEPA payment 0.99 / 0.99 / 4.99; Outgoing SEPA payment 0.99 / 2.99 / 9.99; Outgoing payment within the UK (FPS) 0.99 / 2.99 / 9.99; Outgoing international payment (SHA: SWIFT/CHAPS/Target2) 26.40 / 26.40 / 26.40; Outgoing internal transfer 0.19; Account-to-Card payouts (Major currencies) UK 0.65% + 0.99; FX margin (major currencies) 0.65%; FX margin (minor currencies) 0.80%; White Label Subscription fee (monthly)* 5000.00; White Label Installation fee* 250000.00.
Your business must be registered in
Not disclosed

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Gemba settlement & payouts

Payouts

Settlement time
Not collected yet
Settlement currencies
Not collected yet

We haven't collected settlement details for Gemba yet. Confirm payout timing and currencies directly with Gemba before signing.

Gemba API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Gemba coverage & payment methods

Supported countries

28 countries
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Payment methods

BacsChapsCorporate CardDirect DebitEscrowFaster PaymentsSepaSwiftVirtual Account

Gemba licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

GEMBA FINANCE LTD

United Kingdom

Licenses

Payment Institution GB

FCA Authorised Payment Institution (UK)

Financial Conduct Authority (UK)

License numbers & register records

1 license number · 1 register record on file for Gemba, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

Log in — it's free

Using ChatGPT or Claude? Ask it to prepare your application to Gemba. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

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