What a Credit Card

Can Be

Who We Are

Modular credit card service for the digital world

Today’s digital world requires flexibility and agility. Backed by 160 years of financial experience, Bend by FNBO provides companies with a path to embedded credit card services by blending sophisticated modern technology with trusted financial credentials.

Who We Work With



Digital Brands

Digital Brands

Financial Platforms

Technology Platforms

Our Experience

One of the first banks to issue credit cards, FNBO is now the first to offer modular credit card services.

Looking for the tools to build a credit card experience, but need financial backing? Bend by FNBO is the answer. Through curated partnerships with payment partners, Bend by FNBO leverages the tools customers want with the financial support they need.

How We’re Different

Digitally-driven, experience-led

How We're Different

Why Brands Choose Us


Launch a Card Program Quickly


Build and Host Your Own Experience


Flexible Revenue Models


Financial and Technology Expertise

The Flexible Credit Card Issuer

Design Your Credit Card Today