Verified provider profile

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

EU core · LuxembourgEEA data: YesLicence: BankVerified at source 2026-07-19
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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)
  • Ownership / control: no change of control on record
  • 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

BaaSIBAN sponsorCrypto / digital-asset infraCross-border payments / FX

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 How we verify → · Official website: bankingcircle.com · Spotted something out of date? Report a correction.

Official register entries

  • MiCA CASP - Commission de Surveillance du Secteur Financier (CSSF) · LEI 213800W1NGBLERUS6M39 · Active (ESMA MiCA register, as of 2026-09-18)

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

Banking Circle vs Wise

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.

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