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Best Banking-as-a-Service Platforms in 2026

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.

31 apps
Research read 23 Sept 2026
How the order is worked out

1

Griffin

Free plan APIWeb

Griffin offers account, payment, and onboarding infrastructure through APIs, with a free sandbox for testing.

7.2 From £100/mo Visit site
2

Stripe Treasury

Free plan AndroidAPIiPhone+1

Treasury brings accounts, payments, cards, and accounting features together for businesses using Stripe.

7.1 Visit site
3

Swan Cards

Free plan AndroidAPIiPhone+2

Swan offers embedded banking components with configurable card controls and integration options for partner products.

7.1 Free plan · paid from €2,990/mo Visit site
4

Railsr

Free plan APIWeb

Railsr provides embedded finance capabilities through APIs and a code-oriented sandbox.

6.9 Free plan · pricing on request Visit site
5

Mbanq Cloud

Free trial AndroidAPIiPhone+1

Mbanq Cloud combines banking operations, compliance capabilities, payment rails, and mobile applications in a platform Mbanq operates.

6.3 Pricing on request Visit site
6

Airwallex Embedded Finance

Paid APIWeb

Airwallex Embedded Finance combines payment, account, card, foreign-exchange, payout, and compliance capabilities in one API offering.

5.8 Pricing on request Visit site
7

Modulr

Paid AndroidAPIiPhone+1

Choose Modulr if your business needs payment automation alongside multi-currency accounts, card issuing or API access.

5.8 Pricing on request Visit site
8

Decentro

Paid APIWeb

Decentro combines payment collection, accounts, escrow, and ledger capabilities behind APIs and a web dashboard.

5.7 Pricing on request Visit site
9

Moov

Paid AndroidAPIiPhone+1

Choose Moov if your business needs one integration for varied payment rails and you can complete its production onboarding requirements.

5.7 From $500/mo Visit site
10

Baasic

Paid API

Choose Baasic if your software business wants to embed accounts, cards, payments or insurance for customers in Brazil through APIs.

5.6 Pricing on request Visit site
11

ClearBank Embedded Banking

Paid API

ClearBank combines UK banking accounts, payment schemes, compliance processes, and API integration for established regulated partners.

5.6 Pricing on request Visit site
12

Galileo

Paid APIWeb

Galileo brings together several financial infrastructure functions in a web platform and lists supported regions across the Americas. Organizations will need to request pricing to evaluate its cost.

5.6 Pricing on request Visit site
13

Highnote

Paid APIWeb

Highnote combines card programs and payment acceptance with ledger and developer capabilities.

5.6 Pricing on request Visit site
14

NymCard

Paid AndroidAPIiPhone+2

Choose NymCard if your business needs card issuing, embedded accounts, KYC/AML tools, or a ledger in a supported region.

5.6 Pricing on request Visit site
15

Paynetics Card Issuing

Paid AndroidAPIiPhone+1

Paynetics offers a configurable card-issuing infrastructure with developer tools, mobile-wallet support, and options for physical and virtual cards.

5.6 Pricing on request Visit site
16

Increase ACH

Paid APIWeb

Consider Increase ACH if your technology company needs programmatic or web-based ACH origination, return tracking, inbound payment controls, and payment status visibility.

5.5 From $0.50 Visit site
17

Rapyd

Paid AndroidAPIiPhone+1

Rapyd brings payment acceptance, payouts, and card issuing under one platform, with pricing and some availability details requiring further discussion.

5.5 Pricing on request Visit site
18

Bankly

Paid APIWeb

Bankly offers account, payment, and card capabilities through a partner-integrated platform focused on Brazil.

5.4 Pricing on request Visit site
19

Column

Paid APIWeb

Column offers banking infrastructure across payments, accounts, cards, and lending for companies building financial products. Prospective customers need to contact sales for pricing details.

5.4 Pricing on request Visit site
20

Unit

Paid AndroidAPIiPhone+1

Unit offers accounts, payments, cards, ledger tools, and managed modules for embedded finance products.

5.4 Pricing on request Visit site
21

Dock

Paid APIWeb

Dock brings banking, payments, acquiring, and fraud capabilities into a configurable infrastructure offering. Businesses need to contact its commercial team for pricing details.

5.3 Pricing on request Visit site
22

OpenPayd

Paid APIWeb

Corporate clients seeking financial infrastructure across fiat and digital assets may find OpenPayd a fit, particularly when API-based payments and virtual IBANs are priorities.

5.3 Pricing on request Visit site
23

Weavr

Paid AndroidAPIiPhone+1

Weavr combines embedded accounts, card issuing, payment rails, and compliance operations in one toolkit.

5.3 From £1,947/mo Visit site
24

Integrated Finance

Paid APIWeb

Integrated Finance brings payment, account, card and compliance workflows into one orchestration platform with API and sandbox access.

5.2 Pricing on request Visit site
25

Treasury Prime

Paid APIWeb

Treasury Prime brings account, payment, and card capabilities together with developer tools and partner-bank access.

5.1 Pricing on request Visit site

#1Places #1, #2, #3, #4, #5 on this list can be bought by the makers of the software on it. See the price

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