Business accounts

Become the central financial hub for your users

Meet your customers’ core banking needs inside your product with embedded accounts, cards, and payments.

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Powering the fastest-growing companies in Europe

Banking at the centre of the business universe

Cash flow is the lifeblood of a business. When you embed banking features into your product, you become an essential tool in the day-to-day lives of your customers.
Partner with Swan to make this a reality.

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Features

Your product, with built-in banking capabilities

Accounts

Offer business accounts directly inside your product.

Cards

Issue Mastercards with custom spending limits and your branding

Payments

Enable users to send and receive payments from inside your platform.

Benefits

A product evolution with real business impact

  • Drive revenue
    Generate income from every transaction and from the funds held on your Swan accounts.
  • Increase retention
    Increase usage and drive loyalty by meeting your users’ business banking needs inside your platform.
  • Gain a competitive edge
    Strengthen your proposition and differentiate from alternatives by providing banking features.
  • Access better insights
    Offer smarter automation and enhanced financial services with access to transaction data.

Industry

Discover how Swan fits into your product

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How to win at business banking

Provide local accounts for full transaction coverage

Provide local IBANs to build trust and credibility. Partner with Swan to streamline tax payments, simplify reporting, and comply with regulations. Offering local accounts with company creation and capital deposit services boosts retention from day one.

  • Local account creation
  • Local IBANs (FR, DE, IT, NL, ES)
  • Capital Deposit (France)
  • Locally compliant and meets reporting requirements

Centralise payments to become a financial hub

With most business payments made via wire transfer, integrating payments into your product adds real value. Handle incoming and outgoing payments, plus employee expenses, in one place.

  • SEPA Transfers
  • Cards (acquiring & issuing)
  • Cheques
  • Local payment methods (Maestro...)

Optimise operations with fully integrated banking

Embed banking across your product to drive automation and efficiency. Swan’s APIs streamline onboarding, payments, and support—while smart notifications engage at key moments.

  • API analytics & integration monitoring
  • Swan supports your go-to-market strategy
  • Support automation

Expand your offering with premium financial services

Stand out by going beyond basic banking. Add AI-driven insights, deferred debit, financing, and merchant payments—plus extras like insurance, loyalty perks, and rewards.

  • Premium cards
  • POS & Merchant payments
  • Coming soon: deferred debit

Partnership

A partnership for long-term success

Embedded banking isn’t just another feature, it’s the next evolution of your product. As a Swan partner, you access our expertise to turn complexity into capability and potential into performance.

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A market-leading embedded banking experience

White-label, country-specific banking experiences directly inside your product.

A complex landscape, navigated with ease

Swan owns the local compliance, regulation, risk, and security infrastructure.

From roadmap to market success

A long-term partnership with expert guidance from integration to market launch, expansion, and beyond.

Customer stories

FAQ

It’s ok to have questions

01
How can I provide business banking without a license?

Swan is a licensed financial institution and you get to piggy-back on that license. Skip the costly and lengthy process of becoming regulated. No need to hire a compliance team, set up a risk management process, or be audited.

We handle all the risky factors that would otherwise keep you up at night: Strong Customer Authentication, Identity Verification, fraud detection.

02
What can I build with Swan’s embedded business banking features?

You can embed fully compliant business accounts, branded payment cards, and SEPA payments directly inside your product—turning your platform into your users’ go-to financial hub.

03
How do embedded business accounts help increase user retention?

By meeting your users’ core financial needs—like managing cash flow, making payments, and issuing cards—you increase daily engagement, reduce churn, and position your product as indispensable.

04
How does Swan support us through implementation and compliance?

Swan handles the heavy lifting—compliance, regulatory, and risk infrastructure, as well as fraud prevention—so you can focus on building a great user experience. Our team supports you from integration to go-to-market and scaling.

Ready to unlock the potential of your product?

Let’s make banking features a core strength of your proposition—helping you tap into new opportunities and making your platform indispensable for your business users.

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Banking features that expand your product’s potential

Integrate white-label banking features—such as accounts, cards, and payments—directly into your product, making it indispensable for your business customers.

Talk to an expert