Snapshot
Continue to About ↓- What it does
- Swan is a licensed European electronic money institution whose API-first platform lets software companies embed white-labeled business accounts with local IBANs, SEPA payments and branded card programs directly inside their own products.
More detail
- Swan holds the regulatory licence and owns compliance, risk and fraud, so partners launch without becoming regulated themselves.
- Best for
- European software companies and vertical SaaS platforms (accounting, treasury, prop tech, HR tech, health/insurance, travel) that want to add accounts, cards and payments under their own brand without taking on a banking licence.
- Pricing
- Sandbox is free with unlimited fake users and money.
More detail
- The paid 'on demand' tier starts at 2,990 EUR/month and includes local IBAN accounts (FR, DE, ES, NL, IT), SEPA and multi-currency transfers, virtual IBANs, and physical, virtual and Apple/Google Pay cards.
- Beyond the subscription, Swan earns thro
- Main limitation
- Companies outside the EEA, consumer neobank or B2C retail banking plays, or very early teams that cannot commit to a paid tier starting at 2,990 EUR/month.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- Swan is a licensed European electronic money institution whose API-first platform lets software companies embed white-labeled business accounts with local IBANs, SEPA payments and branded card programs directly inside their own products.
- Swan holds the regulatory licence and owns compliance, risk and fraud, so partners launch without becoming regulated themselves.
What it helps with
- Regulatory burden: partners avoid becoming licensed agents because Swan holds the ACPR e-money licence and owns local co
- Cross-border friction: local IBANs and hyper-local onboarding (local entities, documents and verification) reduce sign-u
- Context switching: users no longer bounce between a software tool and a separate banking app.
- Monetization: issuance and payment flows become a revenue lever through subscription uplift, variable fees and interchan
- Safeguarding: client funds are segregated at BNP Paribas and Natixis, with FGDR protection up to 100,000 EUR per client
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Local IBAN business accounts | Yes | Real local IBANs in France, Germany, Spain, Italy, Belgium and the Netherlands, with white-labeled country-based onboarding. |
| SEPA and multi-currency payments | Yes | Send and accept SEPA transfers, Tap to Pay and online card payments, with payment automations. |
| Branded card programs | Yes | Physical, virtual and Apple/Google Pay cards, including business, expense and employee benefit cards; fully custom card design is listed for Enterprise. |
| Regulatory licence included | Yes | Partners operate under Swan's e-money licence; Swan owns compliance, regulation, risk and security, so no agent licence is required. |
| Developer sandbox | Yes | Free sandbox with unlimited fake users and money, API Explorer, Postman collection, testing API and event simulator. |
| Pre-built white-label interfaces | Yes | Pre-built web and mobile banking interfaces branded as the partner's own. |
| API access | Yes | GraphQL API plus a PSD2 API and GitHub repositories; rate limited to 2,000 requests per IP per 5 minutes, with increases requiring a partner support request. |
| In-app Apple Pay provisioning | Limited | Requires Apple certification and a separate Mastercard project with a setup fee, so it is not turnkey. |
| Coverage outside the EEA | No | Licence covers the EEA only; Belgium and the UK are listed as upcoming, and there is no US coverage. |
| Independent third-party reviews | Unknown | No G2, Capterra or Trustpilot evidence was found in the supplied pack; only first-party testimonials are available. |
Bot trust
How confidently AI systems can verify this profile from public evidence.
—of 100
ChatGPT—/100
Claude—/100
This profile has not completed a Bot Score assessment yet.
Evidence
Where this record came from, when it was reviewed, and how confidently it can be used.
- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- swan.io
Technical profile details
Record ID
f24e7b66-9a33-41f2-a332-f041248844bcCanonical URLhttps://profiles.scribble.network/listing/swan-f24e7b66