Best Banking-as-a-Service Platforms in 2026
Updated
31ranked
0free plans on this page
$99/molowest paid tier
11 Oct 2026last checked
Input list Banking-as-a-Service Platforms 6 channels on this page · 21 of 48 spec lines stated by the makers
Ch Tool Free planPaid fromCard issuingEmbedded accountsPayment railsKYC/AML toolsLedgerSupported regions Spec sheet Score
26 Rapyd Free planNoPaid fromCard issuingEmbedded accountsPayment railsKYC/AML toolsLedgerSupported regions 1/8spec lines stated 6.4
27 Airwallex Embedded Finance Free planNoPaid fromCard issuingYesEmbedded accountsYesPayment railscard networksKYC/AML toolsYesLedgerYesSupported regionsAustralia, Hong Kong, New Zealand, Singapore, Canada, United States, United Kingdom, China, Netherlands, Lithuania, Malaysia, Switzerland, Austria, Belgium, Bulgaria, Cayman Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, India, Indonesia, Ireland, Israel, Italy, South Korea, Latvia, Liechtenstein, Luxembourg, Macao, Malta, Marshall Islands, Mexico 7/8spec lines stated 6.3
28 Galileo Free planPaid fromCard issuingYesEmbedded accountsYesPayment railsKYC/AML toolsYesLedgerYesSupported regionsArgentina, Brazil, Canada, Chile, Colombia, Costa Rica, Curaçao, Ecuador, Honduras, Mexico, Panama, El Salvador, United States, Uruguay 5/8spec lines stated 6.3
29 Increase ACH Free planNoPaid fromCard issuingEmbedded accountsPayment railsKYC/AML toolsLedgerSupported regions 1/8spec lines stated 6.3
30 ClearBank Embedded Banking Free planNoPaid fromCard issuingEmbedded accountsYesPayment railsfaster paymentsKYC/AML toolsYesLedgerYesSupported regionsUK 6/8spec lines stated 6.2
31 Highnote Free planNoPaid fromCard issuingEmbedded accountsPayment railsKYC/AML toolsLedgerSupported regions 1/8spec lines stated 6.2
Compare all 6 in a table
| # | Tool | Score | Free plan | Paid from | Card issuing | Embedded accounts |
|---|---|---|---|---|---|---|
| 26 | Rapyd | 6.4 | No | |||
| 27 | Airwallex Embedded Finance | 6.3 | No | Yes | Yes | |
| 28 | Galileo | 6.3 | Yes | Yes | ||
| 29 | Increase ACH | 6.3 | No | |||
| 30 | ClearBank Embedded Banking | 6.2 | No | Yes | ||
| 31 | Highnote | 6.2 | No |
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