Comptes locaux

Launch business accounts that feel native, wherever you operate

Offer truly local IBANs in France, Germany, Spain, Italy, Belgium, and the Netherlands built to remove friction, earn trust, and drive conversion.

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Au service des entreprises européennes les plus prometteuses.

Win trust. Win conversion. Win compliance.

Local IBANs that payers and payees trust

Real local IBANs feel familiar and trustworthy from day one. Give businesses the confidence to operate, pay, and report clearly across markets.

Country-based onboarding

Convert more users with onboarding built to local expectations. Local business entities, documents, and verification processes reduce drop-off, delivered through fully white-labeled onboarding flows you can brand end to end.

Local presence in key markets

Accounts are issued and operated locally, not routed through a single country. This keeps payment rules, reporting, and regulatory oversight aligned as you scale across Europe.

Swan en quelques chiffres

Votre réussite est notre réussite

Meilleure expérience utilisateur, fidélisation renforcée, produit plus compétitif, nouvelles sources de revenus… Ensemble, nous allons plus loin.

+10,000

New business accounts created monthly

€2B

Transaction volume processed monthly

€850M

Funds held in business
accounts

What you can build with local accounts

Envoyer des paiements

Offer SEPA Transfers and issue cards. Your users can make payments anywhere, anytime.

Discover Send Payments

Accepter les paiements

Unlock payments via SEPA Transfers, Tap to Pay, and online cards for a smooth experience.

Discover Accept Payments

FAQ

C'est normal d'avoir des questions

01
What countries can I offer local IBANs in?

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02
What does "hyperlocalized" actually mean?

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03
How is Swan different from other embedded banking providers?

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04
What is the difference between local IBANs and virtual IBANs?

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05
What about EU passporting? Isn’t that enough to operate locally?

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06
Does using real local IBANs reduce IBAN discrimination?

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07
When are virtual IBANs sufficient?

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08
How does white-label onboarding work?

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Prêt à libérer le potentiel de votre produit ?

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© Swan.io 2025
Politique de protection des donnéesMentions légalesTerms and ConditionsReclamiWhistleblowing
SWAN is a simplified joint-stock company (SAS) registered with the Paris Trade and Companies Register under number 853 827 103, having its headquarters at 91 rue du Faubourg Saint-Honoré 75008 Paris, FRANCE, and represented by its President Nicolas Benady.
Swan is a licensed electronic money institution authorised by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), under the REGAFI identifier 86245 and identification code 17328 K, with authorisation granted on 04/06/2020.
All client funds held by Swan are safeguarded in full compliance with applicable regulations. These funds are segregated and deposited with our banking partner, BNP Paribas. In the unlikely event of BNP Paribas defaulting, client deposits are protected by the French Deposit Guarantee and Resolution Fund (FGDR) up to €100,000 per client, offering an additional layer of financial security.