Core banking software in Europe
37 verified European providers, ranked European-origin first (29 EU/EEA-origin). The ledger / account engine (system of record). Compare by EEA data residency, licence and regulator - each verified at source.
Core banking platforms are the ledger of record - accounts, balances, products and postings - sold as software, not as a licence: most vendors here are exactly that, vendors, which makes this hub the natural BYOL shopping list. The licence question therefore comes first - run under a provider's umbrella or hold your own authorisation, a trade priced in the decision guide - and the ledger choice follows the licence, not the other way round. Sovereignty applies to software too: where it is hosted and who controls the vendor - the three-layer framework.
37 verified providers
Last source verification in this list: 2026-07-19. How we verify →
At a glance (37 providers): licences: 34 Vendor, 1 Bank, 1 EMI, 1 not documented; EEA data residency: 24 Yes, 12 No, 1 Partial; headquarters: 24 EU core, 6 UK, 5 Wider Europe, 2 US.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Also offers | Verified | Intro |
|---|---|---|---|---|---|---|
 Advapay | Estonia EU core | Vendor | Yes | BaaS | 2026-06-26 | Request intro |
 Aion Bank | Belgium EU core | Bank | Yes | BaaS, Lending module | 2026-06-26 | Request intro |
 Backbase | Netherlands EU core | Vendor | Yes | – | 2026-06-26 | Request intro |
 Comarch | Poland EU core | Vendor | Yes | Card-linked rewards & loyalty, E-invoicing & tax compliance | 2026-06-26 | Request intro |
 CR2 | Ireland EU core | Vendor | Yes | Card issuing software, Issuer processing | 2026-06-26 | Request intro |
 Fininbox | Lithuania EU core | Vendor | Yes | BaaS | 2026-06-25 | Request intro |
 FintechOS | Romania EU core | Vendor | Yes | – | 2026-06-26 | Request intro |
 Five Degrees | Netherlands EU core | Vendor | Yes | – | 2026-06-25 | Request intro |
 Mambu | Germany EU core | Vendor | Yes | Lending module | 2026-06-25 | Request intro |
 Meniga | Iceland EU core | Vendor | Yes | – | 2026-06-26 | Request intro |
 Natech | Greece EU core | Vendor | Yes | BaaS | 2026-07-13 | Request intro |
 Numeral | France EU core | Vendor | Yes | – | 2026-06-25 | Request intro |
 Ohpen | Netherlands EU core | Vendor | Yes | – | 2026-06-25 | Request intro |
 OpenWay | Belgium EU core | Vendor | Yes | Issuer processing | 2026-06-25 | Request intro |
 Profile Software | Greece EU core | Vendor | Yes | – | 2026-06-26 | Request intro |
 SBS (Sopra Banking Software) | France EU core | Vendor | Yes | Lending module | 2026-06-26 | Request intro |
 SDK.finance | Lithuania EU core | Vendor | Yes | Issuer processing | 2026-06-25 | Request intro |
 Skaleet | France EU core | Vendor | Yes | – | 2026-06-25 | Request intro |
 Striga | Luxembourg EU core | EMI | Yes | BaaS, Card issuing software, IBAN sponsor +1 | 2026-07-19 | Request intro |
 Tietoevry Banking | Finland EU core | Vendor | Yes | Issuer processing, Tokenization – X-Pays, Tokenization – Non-X-Pays | 2026-06-25 | Request intro |
 Tuum | Estonia EU core | Vendor | Yes | BaaS | 2026-06-25 | Request intro |
 Velmie | Estonia EU core | Vendor | Yes | BaaS | 2026-06-25 | Request intro |
 Vermeg | Netherlands EU core | Vendor | Yes | Regulatory reporting | 2026-06-26 | Request intro |
 Vodeno | Belgium / Poland EU core | Vendor | Yes | BaaS, IBAN sponsor | 2026-07-19 | Request intro |
 Asseco SEE | Serbia Wider Europe | Vendor | No | Issuer processing | 2026-06-25 | Request intro |
 Avaloq | Switzerland Wider Europe | Vendor | No (CH) | – | 2026-06-26 | Request intro |
 BPC | Switzerland Wider Europe | Vendor | No (CH) | Issuer processing | 2026-06-25 | Request intro |
 CREALOGIX | Switzerland Wider Europe | Vendor | No (CH) | – | 2026-06-26 | Request intro |
 Temenos | Switzerland Wider Europe | Vendor | No (CH) | Lending module | 2026-06-25 | Request intro |
 10x Banking | UK UK | Vendor | No | – | 2026-06-25 | Request intro |
 Crassula | UK / Estonia UK | Vendor | No | BaaS | 2026-06-25 | Request intro |
 Engine by Starling | UK UK | Vendor | No | – | 2026-06-26 | Request intro |
 Episode Six | UK / US UK | Vendor | No | Issuer processing | 2026-06-25 | Request intro |
 Finastra | UK UK | Vendor | No | Lending module | 2026-06-25 | Request intro |
 Thought Machine | UK UK | Vendor | No | – | 2026-06-25 | Request intro |
 Mbanq | Germany / US US | – | Partial | BaaS | 2026-06-25 | Request intro |
 Pismo | Brazil / Global US | Vendor | No | Issuer processing | 2026-06-25 | Request intro |
FAQ
What is core banking software?
The ledger and account engine (system of record) behind a bank or e-money product. Fintechnologica lists 37 verified core-banking vendors (29 European-origin) - mostly unlicensed software (the licence stays with you or your BaaS).
Cloud-native or traditional core?
Cloud-native cores (API-first, per-account pricing) fit fintechs and challengers; traditional cores fit institutions with complex products and on-prem needs. Check where the core is hosted - several European vendors offer EEA-only deployments, which matters for sovereignty.