The cost of fintech project support services depends on many factors, as such projects represent a complex set of legal, technological, and operational solutions. Key pricing elements are presented below:

Licensing
The cost depends on the jurisdiction (EU, UK, offshore, Asia), license type (EMI, PI, MSB, cryptocurrency licenses, etc.), and the scope of services provided. Key factors:

Choice of jurisdiction:
EU (Lithuania, Estonia, Cyprus): from €30,000 to €150,000
UK (FCA): from £50,000
Offshore (Belize, BVI, Seychelles): from $15,000
Singapore, Hong Kong: from $70,000

Scope of services:
Includes documentation preparation, internal policies, KYC/AML procedures, and support for communication with the regulator. Timeframe and urgency:
Expedited procedures and fast-track licensing are more expensive.

Technological platform (payment system/banking)
White-label solution (online banking, mobile apps, API, AML module, etc.):
from €3,000 per month + integration fees from €10,000 to €50,000
In-house development:
from €100,000 and up, depending on architecture, scalability, security, UX/UI, etc.
Connection of processing systems, AML/KYC services, Open Banking, SWIFT/SEPA, crypto wallets:
each integration can cost from €5,000 to €25,000

Payment solutions and partner banks
Integration with PSP/Acquirer: from €5,000 to €20,000, including gateway setup Compliance checks and contractual support
Corporate account opening (EMI, banks, non-banking institutions): from €3,000 per account
IBAN/card solutions/project-branded cards: from €10,000 to €50,000 depending on the issuing country, volume, and customization


Operational and legal support
Legal support (compliance, contracts, data protection):
from €2,000 per month
Financial support (accounting, regulatory reporting):
from €1,000 to €5,000 per month
Post-licensing support, audit, reports, annual fees, etc.

Final price
Determined after project assessment: business model, target markets, transaction volume, and launch speed requirements. In most cases, a realistic budget for launching a turnkey fintech project ranges from €60,000–€250,000+, taking all components into account.

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