Solaris vs Swan
Verified facts in one table - licence, EEA data residency, rails, cards and published pricing. Shared ground: BaaS, Card issuing software, BIN sponsor, IBAN sponsor. No verdict - which one fits depends on your build, and that is what the match request is for.
The facts, side by side
Every row comes from the source-verified catalogue - blank means not documented at source, not absent. Full context on each profile.
| Solaris | Swan | |
|---|---|---|
| Origin | EU core (Germany) | EU core (France) |
| EEA data residency | Yes | Yes |
| Licence type | Bank | EMI |
| Status | Watch (BaFin supervision) | Active |
| Verified | Verified 2026-07-19 | Verified 2026-07-19 |
| Product categories | BaaS, Card issuing software, BIN sponsor, IBAN sponsor, Lending module | BaaS, Card issuing software, IBAN sponsor, BIN sponsor |
| Local IBAN country codes | DE | FR; DE; ES; IT; NL; BE |
| Payment rails (documented) | SCT; SCT Inst; SDD Core; SDD B2B | SCT; SCT Inst; SDD Core; SDD B2B |
| Account model | Virtual; Dedicated | Dedicated |
| Account currencies | EUR | EUR |
| Card issuing reach (BIN) | EEA - Yes | EEA - Yes |
| Card settlement currencies | EUR | EUR |
| Card products | Prepaid; Debit; Credit | Prepaid; Debit |
| Card schemes | Visa; Mastercard | Mastercard |
| Published entry price | not published (sales-led) | not published (sales-led) |
How to read the sovereignty rows: EEA data residency explains Yes / Partial / No, the sovereignty framework covers origin and ownership, and the card-scheme map explains why the scheme row looks the way it does. Pricing context: what is published vs negotiated.
FAQ
What licences do Solaris and Swan hold?
Solaris operates as a fully licensed bank (credit institution) headquartered in Germany; Swan as an e-money institution (EMI) headquartered in France. Both are verified at source, and their official register entries are linked from their profiles.
Do Solaris and Swan keep data in the EEA?
Solaris runs fully on EEA data rails (EEA: Yes). Swan runs fully on EEA data rails (EEA: Yes). What Yes / Partial / No mean - and why an EEA data centre alone is not the whole answer - is explained in the EEA data residency guide.