Swan Cards

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Score6.9

Rank#2 of 31

From€2,990/mo

Free planYes

Runs onAPI, Web

Summary

Swan Cards provides embedded banking features that companies can add to their own products, including accounts, Mastercard debit cards, and payments. Swan positions its service for European software companies seeking white-labeled banking. Cards come in virtual, physical, and digital formats, including single-use virtual cards, and can be added to Apple Wallet or Google Wallet for NFC payments. Partners can set spending limits and payment rules using factors such as amount, currency, merchant, city, or country. Swan offers a GraphQL API, a ready-made web banking interface, and an open-source frontend for customized web banking. API calls must come from a partner’s backend, not a frontend application. The free Sandbox includes fake accounts, cards, and payments; paid services start at €2,990/mo. Swan says it is licensed by France’s ACPR as an electronic money institution, and that client funds are segregated with BNP Paribas, with FGDR protection up to €100,000 per client if that bank defaults.

Who it is for

Swan suits European software companies that want to embed branded accounts, cards, or payments in their products. Partners need a backend for API calls and can configure card rules for their users.

What is good

Offers accounts, cards, and payments for embedded use.
Cards include virtual, physical, and single-use formats.
Apple Wallet and Google Wallet support NFC payments.
Sandbox includes fake accounts, cards, and payments.
Card rules can use merchant, location, currency, or amount.

What to know first

API calls must originate from the partner’s backend.
Other digital wallets are not supported.
Paid services start at €2,990/mo.

Verdict

Swan combines embedded accounts and payments with configurable Mastercard cards and web banking options. Its backend-only API requirement and supported-wallet limits are worth considering before integration.

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