Banking Circle
Banking Circle is a European (EEA-based) fintech-infrastructure provider (BaaS, IBAN sponsor, Crypto / digital-asset infra, Cross-border payments / FX). Verified at source - licence, regulator and registry reference. Active
Who it's for
Banking Circle is built for teams that want accounts, payments and cards behind one contract and one API. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table. Verified stand-outs: local IBANs in GB, DE, LU.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (Luxembourg)
- Local IBANs: GB; DE; LU
- Client funds: deposits at a credit institution - deposit guarantee scheme applies (up to EUR 100,000)
What Banking Circle does
Capabilities & rails
- ⚖ MiCA: EMT (euro stablecoin)
- 🛤️ Payment rails (documented): SCT · SCT Inst · FPS · CHAPS · SWIFT
- Account model: Virtual
- Account currencies: EUR; GBP; CHF; SEK; DKK
Verified licence profile
Banking Circle S.A. (Luxembourg) - cross-border banking, accounts, payments and settlement for banks, PSPs and fintechs; issues the EURI euro stablecoin. Credit institution, CSSF (LUB00000408); not the unrelated 'Circle Group S.A.'.
Verified 2026-07-19. How we verify → · Spotted something out of date? Report a correction. · Are you Banking Circle? Work with us →
Official register entries
- MiCA CASP - Commission de Surveillance du Secteur Financier (CSSF) · LEI 213800W1NGBLERUS6M39 · Active (ESMA MiCA register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
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Side-by-side
Verified facts in one table - licence, residency, rails. No verdict.
FAQ
Is Banking Circle European / EEA-based?
Yes. Banking Circle hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, Luxembourg.
What does Banking Circle do?
Banking Circle covers: BaaS, IBAN sponsor, Crypto / digital-asset infra, Cross-border payments / FX. Verified at source by Fintechnologica.