Verified provider profile

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

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

BaaSCard issuing softwareIBAN sponsorBIN sponsor

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 How we verify → · Official website: swan.io · Spotted something out of date?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

Official register entries

  • E-money institution (EMI) - Prudential Supervisory and Resolution Authority · Ref 853827103 · Active (EBA PSD2 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.

Similar verified European providers

Full list: Swan alternatives →

  • Pecunpay EU core EMI Spain · EEA: YesShared: Card issuing software, BIN sponsor, IBAN sponsor, BaaS, Cards: Prepaid / Debit, Card form: Virtual / Physical, Accounts: Dedicated
  • Paynetics EU core EMI Bulgaria / UK · EEA: PartialShared: Card issuing software, BIN sponsor, IBAN sponsor, BaaS, Cards: Prepaid / Debit, Card form: Virtual / Physical, Accounts: Dedicated
  • Wallester EU core EMI Estonia · EEA: YesShared: Card issuing software, BIN sponsor, IBAN sponsor, Cards: Prepaid / Debit, Card form: Virtual / Physical / Metal, Local IBANs
  • Bankera EU core EMI Lithuania · EEA: YesShared: BaaS, IBAN sponsor, Card issuing software, Card form: Virtual / Physical, Accounts: Dedicated, Local IBANs
  • ConnectPay EU core EMI Lithuania · EEA: YesShared: BaaS, Card issuing software, IBAN sponsor, Card form: Virtual / Physical, Accounts: Dedicated, Local IBANs
  • iCard EU core EMI Bulgaria · EEA: YesShared: BaaS, Card issuing software, IBAN sponsor, Card form: Virtual / Physical, Accounts: Dedicated, Local IBANs

Side-by-side

Swan vs SolarisSwan vs Treezor

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.

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