Swan Cards

7.1easy start · #2 of 31
in Banking-as-a-Service Platforms

Free to practise onyes
Free trialnot on record
Well documentedyes
Runs where you worknot on record

Runs on api, Web. Paid plans from €2,990/mo.

Swan Cards is ranked #2 of 31 in banking-as-a-service platforms on The Geeks Club. It runs on API, Web. There is a free plan. Paid plans start at €2,990/mo.

Swan Cards plans and pricing

All plans

Sandbox Free The Sandbox is free to explore. Unlimited sandbox users · fake accounts, cards, and payments · API explorer and testing tools swan.io · 29 Sept 2026

Swan on demand €2,990/mo Starting from 2990€/m Ready-made banking services · branded physical and virtual cards · Apple Pay and Google Pay cards swan.io · 29 Sept 2026

Swan Enterprise Not published Custom Custom features and services · dedicated implementation manager · interchange revenue sharing swan.io · 29 Sept 2026

Compared 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

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The record

Product: Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products.
Audience: Swan describes itself as a platform helping European software companies add white-labeled banking services to their products.
Card types: Swan offers Mastercard debit cards in virtual, physical, and digital formats, including single-use virtual cards.
Mobile wallets: Swan cards can be added to Apple Wallet and Google Wallet for NFC payments; other digital wallets are not supported.
Card controls: Partners can configure spending limits and payment rules using parameters such as amount, currency, merchant, city, or country.
Card packages: Standard, Essential, and Premium card packages have spending limits of €10,000, €40,000, and €100,000 respectively, and FX fees of 2%, 1%, and 0%.
Integrations: Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking.
API constraint: For security reasons, Swan requires API calls to originate from the partner’s backend rather than a frontend application.
Security: Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments.
Regulatory status: Swan states that it is a licensed electronic money institution authorized by France’s ACPR.
Safeguarding: Swan says client funds are segregated and deposited with BNP Paribas, with FGDR protection up to €100,000 per client in the event of BNP Paribas default.
Support: Swan support assists with technical questions, account setup, operations, and transactions through its request form.
Company history: Swan’s company history page says it was born in 2019, when its three co-founders began writing the first lines of code.
Founded: 2019
Price from: €2,990/mo

Where it ranks on The Geeks Club

Best Banking-as-a-Service Platforms in 2026#2 of 31

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Sources

swan.io· checked 29 Sept 2026
swan.io/company· checked 29 Sept 2026
docs.swan.io/topics/cards/· checked 29 Sept 2026
docs.swan.io/topics/cards/digital/· checked 29 Sept 2026
swan.io/features· checked 29 Sept 2026
docs.swan.io/topics/cards/card-packages/· checked 29 Sept 2026
docs.swan.io/topics/get-started/choose-integration/· checked 29 Sept 2026
docs.swan.io/developers/· checked 29 Sept 2026
swan.io/contact· checked 29 Sept 2026
swan.io· checked 28 Sept 2026
swan.io/pricing· checked 29 Sept 2026