Mbanq Cloud vs Swan Cards
Mbanq Cloud
mbanq.comSwan Cards
swan.ioSide by side
| Figure | Mbanq Cloud | Swan Cards |
|---|---|---|
| Price from | — | €900/mo |
| Free plan | — | Yes |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | — | Yes |
| Plans published | 1 | 4 |
| Spec score · Banking-as-a-Service Platforms | 8.5 (#3) | 8.8 (#1) |
| Funding news | A July 24, 2026 announcement said a Swiss private bank made the first investment in Mbanq's note program, which has capacity up to US$100 million. | TechCrunch reported on 29 January 2025 that Swan raised a €42 million Series B extension led by Eight Roads. |
| Headquarters | LinkedIn lists headquarters in Naples, Florida, at 4850 Tamiami Trail North, Unit 301. | Paris, France |
| Integrations | Mbanq says it partnered with IBM and Amazon Web Services through its Mbanq Labs accelerator program. | Swan offers a GraphQL API, a ready-made web banking interface, and an open-source Swan Banking Frontend for customized web banking. |
| Product | Mbanq Cloud is a cloud-based banking platform for fintechs and neobanks to launch banking instances and financial products. | Swan provides embedded banking features—including accounts, cards, and payments—for integration into other companies’ products. |
| Security | The platform lists multi-factor authentication, maker/checker workflows, configurable password policies, and granular roles and permissions. | Sensitive card-related changes require consent, and Swan cards support 3-D Secure for online payments. |
| What it does | Mbanq Cloud is a cloud banking-as-a-service platform for fintechs, neobanks, challenger banks and credit unions. | Swan lets companies embed bank accounts, cards and payments inside their own products. |
Plans
Swan Cards
- SandboxFree
- Swan€900 a month
- Swan on demand€2,990 a month
- Swan EnterprisePriced on request
In their own words
Mbanq Cloud
Mbanq Cloud is banking infrastructure for fintech platforms, neobanks, embedded finance products, and software platforms adding financial services. It brings together core banking, regulatory compliance, and operational management, while Mbanq operates the infrastructure and manages the compliance layer alongside a client’s product. Operations and compliance teams have a web Back Office; IT users have a web Console, and bank clients can use a template web banking application. White label-ready mobile banking apps are available for iOS and Android. REST and GraphQL APIs provide access to core banking functions, and users can add third-party services or build extensions. Listed payment rails include ACH, Fedwire, SWIFT, RTP, Check 21 processing, and card issuing and acquiring. KYC and KYB tools cover risk assessment, SSN verification, OFAC screening, document checks, and liveness checks. Security measures include multi-factor authentication, maker/checker workflows, configurable password policies, and granular permissions. Pricing is pay as you grow, with infrastructure, support, and operational costs included; no price is listed.
Swan Cards
Swan Cards provides embedded banking features—accounts, cards, and payments—for companies integrating financial services into their own products. Swan presents its platform to European software companies adding white-labeled banking. Its Mastercard debit cards come in virtual, physical, and digital formats, including single-use virtual cards. They can be added to Apple Wallet and Google Wallet for NFC payments; other digital wallets are not supported. Partners can set spending limits and payment rules based on amount, currency, merchant, city, or country. Card packages have different spending limits and FX fees: Standard, Essential, and Premium list €10,000, €40,000, and €100,000 limits, with fees of 2%, 1%, and 0%, respectively. Swan offers a GraphQL API, a ready-made web banking interface, and an open-source frontend for customization. API calls must originate from a partner’s backend, not a frontend app. The free Sandbox uses fake accounts, cards, and payments. Paid service starts at €2,990/mo.