--- title: "White-Label Digital Banking for Lithuanian EMIs | EEA Ready" description: "Launch a neobank on a Bank of Lithuania EMI licence: white-label apps, onboarding, cards and accounts, localised for the EEA markets you passport into." url: "https://crassula.io/solutions/digital-banking/lithuania-emi/" lang: "en" image: "https://crassula.io/static/images/og/crassula-default.d7d01fb8a962.jpg" alternates: "en": "https://crassula.io/solutions/digital-banking/lithuania-emi/" "de": "https://crassula.io/de/solutions/digital-banking/lithuania-emi/" "es": "https://crassula.io/es/solutions/digital-banking/lithuania-emi/" "fr": "https://crassula.io/fr/solutions/digital-banking/lithuania-emi/" "x-default": "https://crassula.io/solutions/digital-banking/lithuania-emi/" index: "https://crassula.io/llms.txt" --- Lithuania · EMI # Digital banking for Lithuanian EMIs that serve the whole EEA Your licence comes from the Bank of Lithuania, but your customers may live in Madrid, Lyon or Munich. Give them branded apps in their language on top of a ledger, onboarding and cards your Lithuanian team controls. [Request demo](https://crassula.io/request-demo/) [Digital Banking →](https://crassula.io/solutions/digital-banking/) Your market**Lithuania**EMI - Web, iOS and Android apps in your brand - Interface in 15+ languages - Onboarding for private and business clients - Cards, accounts and savings vaults Rails your customers can use **SEPA Credit Transfer****SEPA Instant****SWIFT****Card payments****Internal transfers** What the regulator asks about your IT**7** ![CENTROlink (Bank of Lithuania)](https://crassula.io/static/images/drive/brands/centrolink.482aa78447d4.jpg) Case Studies ## See what teams build with Crassula. ![Multipass](https://crassula.io/static/images/solutions/cases/logo-multipass.7fb14a8eede7.png) - Multi-currency accounts - Cross-border payments - BaaS connections Live on Crassula ### [Custom financial products for global businesses.](https://crassula.io/cases/multipass/) Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections. [Read case study: Multipass](https://crassula.io/cases/multipass/) ![LuxPay](https://crassula.io/static/images/solutions/cases/logo-luxpay.7d1fa138b9ba.png) - IBAN · SEPA - Card issuing - KYC onboarding Live on Crassula ### [A connected banking platform for modern financial services.](https://crassula.io/cases/luxpay/) Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product. [Read case study: LuxPay](https://crassula.io/cases/luxpay/) Digital Banking · EMI ## What you can put in front of EEA customers ### A branded neobank app Web and mobile apps with your name, colours and domain. Customers open an account, pass identity checks, get an IBAN and pay by SEPA in one flow. ### Onboarding per country and client type Separate questionnaires for consumers, sole traders and companies, with identity and company checks through connected verification providers and limits set per client. ### Debit and prepaid cards Virtual cards on day one and plastic later, managed in the app: freeze, limits, PIN delivery and card top-ups from the account. You contract the issuer, the platform runs the controls. ### Savings vaults and spending tools Vaults to set money aside, push notifications for every payment and transaction history customers can search and export. ### Business accounts Company onboarding, several users per account, batch payments with approval and saved counterparties for suppliers. ### Open banking Consent screens for third-party providers so your customers can connect budgeting and accounting apps under PSD2. ### What this licence does not cover - A deposit account. E-money balances are safeguarded but carry no deposit guarantee, and your app copy must not suggest otherwise. - Interest on e-money balances, including in savings vaults. Rewards have to be structured so they are not interest. - Consumer credit or overdrafts out of customer funds. - Serving customers in another EEA country before the Bank of Lithuania has passed on your passport notification. Your market ## What the regulator asks about your IT Each requirement, what the platform gives you for it and who owns it after launch. 1 Local substance: management, compliance and risk based in Lithuania A back office your Lithuanian team runs itself: account approvals, limits, payment review and reports, with roles and a full audit trail. You 2 Strong customer authentication in every app Two-factor login and payment confirmation built into the web, iOS and Android apps. Crassula 3 Remote customer due diligence that holds up on inspection Onboarding questionnaires per client type and identity verification through connected providers, with documents stored per customer. Your MLRO 4 Passport notifications for each EEA country you serve Per-country onboarding rules, so you only accept residents of states covered by your notifications. You, through the Bank of Lithuania 5 Clear customer information in the customer's language App interface and notifications localised in 15+ languages, with your own terms and fee schedules loaded per market. You, with your lawyers 6 Accessibility of consumer apps under the European Accessibility Act Web and mobile front ends you can adapt in branding and content, so your team can test them against the accessibility requirements. You, with our input 7 Outsourcing and DORA register entries for the app stack A description of the apps, hosting and subcontractors, plus contract terms for audit, access and exit. You, with our input Lithuania ## Payment rails and providers Rails your customers can use SEPA Credit Transfer SEPA Instant SWIFT Card payments Internal transfers ![CENTROlink (Bank of Lithuania)](https://crassula.io/static/images/drive/brands/centrolink.482aa78447d4.jpg) ### CENTROlink (Bank of Lithuania) The Bank of Lithuania's payment system for EEA-licensed EMIs and PIs. Crassula's CENTROlink connector issues EUR accounts and IBANs and sends SEPA credit transfers from the customer app. ### [Prefer another provider?](https://crassula.io/connectors/) Crassula connects 60+ payment, banking and compliance integrations. We will check which ones fit your licence. *Explore all connectors →* **24/7**real-time processing, no batch window **60+**payment and provider integrations connected **150+**companies run on Crassula **15+**languages the platform speaks Lithuania ## Dates to plan around Rules that change what you have to build, in the order they apply. 1. **28 Jun 2025** The European Accessibility Act covers consumer e-money and payment services. New and updated customer apps must meet its accessibility requirements. 2. **9 Oct 2025** Verification of Payee is in force. E-money institutions in the euro area, Lithuania included, must show customers a payee name check before they confirm any euro credit transfer, not only instant ones. 3. **9 Apr 2027** E-money institutions must let customers send and receive SEPA Instant payments. 4. **10 Jul 2027** The EU Anti-Money Laundering Regulation applies, with one set of customer due diligence rules for every EEA market you onboard from. EMI ## Applying to the Bank of Lithuania for an EMI licence with a consumer app? Name us in your file. For a retail EMI, the Bank of Lithuania wants to see how customers will be onboarded, authenticated and informed, not only how money moves. A working app answers those questions faster than a description, and we write the technical sections around it. [Talk to us about your application](https://crassula.io/request-demo/) Crassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application. 1. 01 ### A platform you can demonstrate A configured environment to show the regulator, not slides. 2. 02 ### The technical part of your application, prepared IT systems, customer authentication, ICT risk under DORA, outsourcing and business continuity sections of your Bank of Lithuania file. 3. 03 ### Providers lined up Banking, safeguarding and KYC providers from our network, matched to your licence. ![A customer checking her banking app in a café.](https://crassula.io/static/images/features/people/everyday-1200.e86174e595f2.webp) Digital Banking ## How a launch usually runs A founder team with a licence plan in Vilnius wants to sell a spending account to young professionals in Spain and France. We brand the web and mobile apps, switch on Spanish and French, and set up onboarding that asks for a Spanish or French address. The Lithuanian compliance team approves edge cases in the back office. While the Bank of Lithuania reviews the file, the team tests virtual cards and SEPA payments in the sandbox. After authorisation they send passport notifications for Spain and France, open onboarding only for those countries, and add plastic cards once the first customers are active. For the licence itself, see the [Lithuania EMI licence guide](https://crassula.io/guides/licenses/lithuania-emi/) and our overview of [EMI licensing in the EU](https://crassula.io/guides/licenses/electronic-money-institution/). Guides ## Read the licence guides ![Lithuania EMI License in 2026: The Complete Guide](https://crassula.io/static/images/guides/lithuania-emi/vilnius-gate-preview-960.62559a0b8d1d.jpg) ### [Lithuania EMI License in 2026: The Complete Guide](https://crassula.io/guides/licenses/lithuania-emi/) ![Electronic Money Institution (EMI) License in 2026: The Complete Guide](https://crassula.io/static/images/guides/electronic-money-institution/emoney-coin-preview-960.54bbaf747450.jpg) ### [Electronic Money Institution (EMI) License in 2026: The Complete Guide](https://crassula.io/guides/licenses/electronic-money-institution/) ![Lithuania Specialised Bank License in 2026: The Complete Guide](https://crassula.io/static/images/guides/lithuania-specialised-bank/vilnius-belfry-preview-960.914d69ae1ab3.jpg) ### [Lithuania Specialised Bank License in 2026: The Complete Guide](https://crassula.io/guides/licenses/lithuania-specialised-bank/) ![White-Label Mobile Banking in 2026: The Ultimate Guide](https://crassula.io/static/images/guides/white-label-mobile-banking/mobile-banking-pebble-preview-960.412714bbfaf1.jpg) ### [White-Label Mobile Banking in 2026: The Ultimate Guide](https://crassula.io/solutions/mobile-banking-app/guides/white-label-mobile-banking/) [**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/) Lithuania · EMI ## FAQ The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) Can a Lithuanian EMI serve customers in Spain, France or Germany? Yes, after it notifies the Bank of Lithuania for each host country under the EU passport. The Bank of Lithuania forwards the notification to the host supervisor. Until then, keep onboarding closed for that country, which the platform lets you do per market. Which languages do the apps support? The interface is localised in more than 15 languages, including the main EEA ones. You supply your legal texts and fee schedules for each market, and we load them into the apps. Our team will sit partly outside Lithuania. Is that a problem? The platform runs in the cloud, so developers and support can sit anywhere. The Bank of Lithuania looks at where management, compliance and risk decisions happen, and those people should be in Lithuania. Our [Lithuania EMI guide](https://crassula.io/guides/licenses/lithuania-emi/) covers the substance expectations. Do we need our own card issuer? Yes. Cards come from an issuer and processor you contract directly. The platform is already integrated with issuers, and it runs card controls, limits and card top-ups inside your app. How fast can we go live? A branded environment for your application can be ready in as little as 10 business days. Going live with customers depends on your authorisation, safeguarding account, card issuer contract and passport notifications. Can we offer savings with interest? Not on e-money. Vaults let customers set money aside, but an EMI cannot pay interest on balances. If interest-bearing deposits are core to the plan, look at the Lithuanian specialised bank licence. Lithuania · EMI ## What you can put in front of EEA customers Tell us your licence and country. We will map the rails, providers and documents you need. [Request demo](https://crassula.io/request-demo/) [**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/) [**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)