Swan provides embedded accounts, cards, and payment features that companies can add to their own products. It positions its white-labeled banking platform for European software companies. Mastercard debit cards are available in virtual, physical, and digital formats, including single-use virtual cards. Cards can be added to Apple Wallet and Google Wallet for NFC payments; other digital wallets are not supported. Partners can set spending limits and payment rules using amount, currency, merchant, city, or country. Swan offers a GraphQL API, a ready-made web banking interface, and an open-source frontend for customized web banking. For security, API calls must originate from a partner’s backend rather than a frontend application. Swan says it is an electronic money institution licensed by France’s ACPR. It also says client funds are segregated and deposited with BNP Paribas, with FGDR protection up to €100,000 per client if BNP Paribas defaults. The free Sandbox includes fake accounts, cards, and payments; paid services start at €2,990/mo.
Who it is for
Swan suits European software companies seeking to add white-labeled accounts, cards, and payments to their products. Its API and web banking options support partner integration and customization.
What is good
- Cards include virtual, physical, digital, and single-use formats.
- Partners can set spending limits and payment rules.
- Free Sandbox includes fake accounts, cards, and payments.
- Offers a GraphQL API and web banking interfaces.
What to know first
- API calls must come from the partner’s backend.
- Other digital wallets beyond Apple Wallet and Google Wallet are unsupported.
- Paid services start at €2,990/mo.
Verdict
Swan offers embedded banking components with configurable card controls and integration options for partner products. Its backend-only API requirement and wallet support should be considered alongside the stated starting price.
Swan Cards plans and pricing
All plansCompared on banking-as-a-service platforms
- Free plan
- Yes
- Card issuing
- Yes
- Embedded accounts
- Yes
- Payment rails
- sepa
- KYC/AML tools
- Yes
- Ledger
- Yes
- Supported regions
- Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
