Best Banking-as-a-Service Platforms in 2026
Updated
Banking-as-a-Service platforms provide building blocks for businesses creating financial products. Compared on card issuing, embedded accounts, and payment rails, the entries show which core financial functions are available. Supported regions can help clarify geographic fit, while KYC/AML tools and ledger capabilities are worth weighing against the workflows you need to support. Railsr, Swan Cards, and Paynetics Card Issuing are among the options to examine. Free-plan availability and paid-from pricing add cost context. Consider the account, card, payment, and compliance capabilities relevant to your offering and the regions where it needs to operate.
3 of 7 with known pricing have a free tier;0 apps show full bars: free, open, on most devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | RailsrWeb · API | Two bars | 1 of 6 | Free | 6.4 | ||
| 2 | Stripe TreasuryWeb · API | Two bars | 1 of 6 | Free | 6.4 | ||
| 3 | Swan CardsWeb · API | Two bars | 1 of 6 | €2,990/mo | 6.4 | ||
| 4 | NymCardWeb · Android · iPhone · Self-hosted · API | Two bars | 3 of 6 | 5.6 | |||
| 5 | Paynetics Card IssuingWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 6 | TreezorWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 7 | UnitWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 8 | Vodeno Cloud PlatformWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.6 | |||
| 9 | ColumnWeb · API | One bar | 1 of 6 | 5.5 | |||
| 10 | DockWeb · API | One bar | 1 of 6 | 5.5 | |||
| 11 | Mbanq CloudWeb · Android · iPhone · API | Two bars | 3 of 6 | 5.5 | |||
| 12 | BaasicAPI | One bar | 0 of 6 | 5.4 | |||
| 13 | GalileoWeb · API | One bar | 1 of 6 | 5.4 | |||
| 14 | GriffinWeb · API | One bar | 1 of 6 | £100/mo | 5.4 | ||
| 15 | Newline by Fifth ThirdAPI | One bar | 0 of 6 | 5.4 | |||
| 16 | OpenPaydWeb · API | One bar | 1 of 6 | 5.4 | |||
| 17 | SolarisAPI | One bar | 0 of 6 | 5.4 | |||
| 18 | SyncteraWeb · API | One bar | 1 of 6 | 5.4 | |||
| 19 | Treasury PrimeWeb · API | One bar | 1 of 6 | 5.4 | |||
| 20 | NexfineraAPI | One bar | 0 of 6 | 5.3 | |||
| 21 | ModulrWeb · Android · iPhone · API | Two bars | No | 3 of 6 | £30/mo | 5.2 | |
| 22 | WeavrWeb · Android · iPhone · API | Two bars | No | 3 of 6 | £1,947/mo | 5.2 | |
| 23 | DecentroWeb · API | One bar | 1 of 6 | 5.1 | |||
| 24 | MoovWeb · Android · iPhone · API | Two bars | No | 3 of 6 | $500/mo | 5.1 | |
| 25 | RapydWeb · Android · iPhone · API | Two bars | No | 3 of 6 | $99/mo | 5.1 |
Compare all 25 in a table
| # | App | Score | Free plan | Paid from | Card issuing | Embedded accounts |
|---|---|---|---|---|---|---|
| 1 | Railsr | 6.4 | Yes | Yes | Yes | |
| 2 | Stripe Treasury | 6.4 | Yes | Yes | ||
| 3 | Swan Cards | 6.4 | Yes | Yes | Yes | |
| 4 | NymCard | 5.6 | Yes | Yes | ||
| 5 | Paynetics Card Issuing | 5.6 | ||||
| 6 | Treezor | 5.6 | Yes | Yes | ||
| 7 | Unit | 5.6 | Yes | Yes | ||
| 8 | Vodeno Cloud Platform | 5.6 | Yes | Yes | ||
| 9 | Column | 5.5 | Yes | Yes | ||
| 10 | Dock | 5.5 | Yes | Yes | ||
| 11 | Mbanq Cloud | 5.5 | Yes | Yes | ||
| 12 | Baasic | 5.4 | Yes | Yes | ||
| 13 | Galileo | 5.4 | Yes | Yes | ||
| 14 | Griffin | 5.4 | No | Yes | ||
| 15 | Newline by Fifth Third | 5.4 | Yes | Yes | ||
| 16 | OpenPayd | 5.4 | No | Yes | ||
| 17 | Solaris | 5.4 | Yes | Yes | ||
| 18 | Synctera | 5.4 | Yes | Yes | ||
| 19 | Treasury Prime | 5.4 | Yes | Yes | ||
| 20 | Nexfinera | 5.3 | Yes | Yes | ||
| 21 | Modulr | 5.2 | Yes | Yes | ||
| 22 | Weavr | 5.2 | No | Yes | Yes | |
| 23 | Decentro | 5.1 | No | Yes | Yes | |
| 24 | Moov | 5.1 | No | 500 /mo | ||
| 25 | Rapyd | 5.1 | No |
Is your app on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.