No. 12 of 31 ·Banking-as-a-Service Platforms

Modulr

Name: Modulr
Price: 30 GBP

Web · Android · iPhone · API · paid plans from £30/mo

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Freedom report

Two barsScore 5.2

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

Modulr is ranked #12 of 31 in banking-as-a-service platforms on Freedom251. It runs on Android, API, iOS, Web. There is no free plan. Paid plans start at £30/mo.

Modulr plans and pricing

All plans

Bronze £30/mo £30.00 per month 80 payments included · +£0.80 per extra payment · card payments unlimited modulrfinance.com · 5 Oct 2026

Silver £110/mo £110.00 per month 500 payments included · +£0.40 per extra payment · card payments unlimited modulrfinance.com · 5 Oct 2026

Platinum £500/mo £500.00 per month 3,000 payments included · +£0.32 per extra payment · card payments unlimited modulrfinance.com · 5 Oct 2026

Compared on banking-as-a-service platforms

Card issuing: Yes
Embedded accounts: Yes
Payment rails: faster_payments
KYC/AML tools: Yes
Ledger: Yes
Supported regions: UK, EEA, US

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The record

Purpose: Modulr provides a single platform for automating how money moves into and out of a business.
Core products: Its listed products include payroll payments, accounts payable, spend management and collections.
Accounts: Accounts are available in GBP, EUR and nine other currencies, with local IBANs in GB, NL, ES, FR and IE.
Payments: The platform supports instant GBP and EUR pay-ins and pay-outs, CHAPS, Bacs, SEPA and SWIFT payment services.
Cards: Modulr can issue virtual and physical Visa and Mastercard cards, with Apple Pay and Google Pay support.
Controls: Its card controls include spend limits, authorisation windows and merchant category code controls.
Integrations: The integrations directory lists connections including BrightPay, Sage, Xero, QuickBooks, Workforce and Conferma.
Integration limit: The directory marks Sage Intacct as coming soon and invites visitors to register interest for updates.
API: Modulr offers API documentation, developer guides and sandbox access.
Security: Modulr says its cloud-first platform is designed for scale and security and displays ISO, BSI, Cyber Essentials and PCI marks on its site.
Regulation: Modulr says it is licensed as an electronic money institution by the FCA in the UK and DNB in the Netherlands.
Customer funds: Modulr states it is not a bank and that customer funds are protected through safeguarding rather than FSCS coverage.
Support: The site provides customer support, fraud support and a service status page.
Intended users: Modulr describes its solutions for businesses of all sizes and for sectors including travel, lending, merchant payments and investment and wealth.
Price from: £30/mo

Where it ranks on Freedom251

Best Banking-as-a-Service Platforms in 2026#12 of 31

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Sources

modulrfinance.com· checked 5 Oct 2026
modulrfinance.com/pricing-custom· checked 5 Oct 2026
modulrfinance.com/product/integrations· checked 5 Oct 2026
modulr.readme.io· checked 5 Oct 2026
modulrfinance.com/about-modulr· checked 5 Oct 2026
modulrfinance.com/uk-safeguarding-information· checked 5 Oct 2026
modulrfinance.com/pricing-for-business· checked 5 Oct 2026