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Tech riderRev. 29 Sept 2026

Swan Cards

Ch 027.0of 31 Banking-as-a-Service Platforms
  1. 1Runs onAPI, Web
  2. 2CostsFree plan · paid from €2,990/mo
  3. 3Card issuingYes
  4. 4Embedded accountsYes
  5. 5Payment railssepa
  6. 6KYC/AML toolsYes
  7. 7LedgerYes
  8. 8Supported regionsAustria, 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
8 lines stated Written from the maker's own pages: swan.io
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The Swan Cards homepage

Overview

Swan Cards is ranked #2 of 31 in banking-as-a-service platforms on Specifiction. 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
Yesswan.io
Card issuing
Yesswan.io
Embedded accounts
Yesswan.io
Payment rails
sepaswan.io
KYC/AML tools
Yesswan.io
Ledger
Yesswan.io
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, Swedenswan.io

Facts

Product
Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products.swan.io · 29 Sept 2026
Audience
Swan describes itself as a platform helping European software companies add white-labeled banking services to their products.swan.io · 29 Sept 2026
Card types
Swan offers Mastercard debit cards in virtual, physical, and digital formats, including single-use virtual cards.docs.swan.io · 29 Sept 2026
Mobile wallets
Swan cards can be added to Apple Wallet and Google Wallet for NFC payments; other digital wallets are not supported.docs.swan.io · 29 Sept 2026
Card controls
Partners can configure spending limits and payment rules using parameters such as amount, currency, merchant, city, or country.swan.io · 29 Sept 2026
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%.docs.swan.io · 29 Sept 2026
Integrations
Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking.docs.swan.io · 29 Sept 2026
API constraint
For security reasons, Swan requires API calls to originate from the partner’s backend rather than a frontend application.docs.swan.io · 29 Sept 2026
Security
Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments.docs.swan.io · 29 Sept 2026
Regulatory status
Swan states that it is a licensed electronic money institution authorized by France’s ACPR.swan.io · 29 Sept 2026
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.swan.io · 29 Sept 2026
Support
Swan support assists with technical questions, account setup, operations, and transactions through its request form.swan.io · 29 Sept 2026
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.swan.io · 29 Sept 2026

Company

Founded
2019swan.io · 28 Sept 2026
Headquarters
Paris, Franceswan.io · 28 Sept 2026

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Where it ranks on Specifiction

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