Swan
Swan is a European (EEA-based) fintech-infrastructure provider (BaaS, Card issuing software, IBAN sponsor, BIN sponsor). Verified at source - licence, regulator and registry reference. Active
Who it's for
Swan is built for teams that want accounts, payments and cards behind one contract and one API. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs across 6 country codes; EEA-wide card issuing passport.
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (France)
- Card scheme: US scheme - Mastercard (the elephant in the room)
- Local IBANs: FR; DE; ES; IT; NL; BE
- Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed
- Card issuing reach (BIN): EEA - Yes
What Swan does
Capabilities & rails
- Card products: Prepaid; Debit
- Settlement currencies: EUR
- 🛤️ Payment rails (documented): SCT · SCT Inst · SDD Core · SDD B2B
- Account model: Dedicated
- Account currencies: EUR
Verified licence profile
Swan (France) - embedded banking, accounts and card issuing; Mastercard Principal Member sponsoring embedded card programmes. EMI, ACPR (ref 86245).
Verified 2026-07-19. How we verify → · Spotted something out of date? Report a correction. · Are you Swan? Work with us →
Official register entries
- E-money institution (EMI) - Prudential Supervisory and Resolution Authority · Ref 853827103 · Active (EBA PSD2 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 Swan European / EEA-based?
Yes. Swan hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, France.
What does Swan do?
Swan covers: BaaS, Card issuing software, IBAN sponsor, BIN sponsor. Verified at source by Fintechnologica.