No. There are no setup or registration fees. We aim to make embedded banking accessible to everyone with a seamless, barrier-free start. Our pay-as-you-go pricing model ensures flexibility and affordability.

On top of building a great product for your customers, embedding banking features is a stellar opportunity to generate additional revenue. We typically group monetization potential around 3 initiatives:
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1. Increase the subscription price: in our experience with our 100+ partners, we estimate that you could increase your software subscription price by up to 20%.
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2. Charge variable fees for your banking features: typically, we see fees that are proportional to the number of transactions (e.g., €0.4 per SEPA transfer) or fees that are proportional to the transaction volume (e.g., 2% of card payments in a foreign currency).
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3. Generate interchange revenue: a common revenue driver for fintechs, banks, and neobanks, interchange allows the card issuer (in this case, Swan) to take a portion of each payment made with its cards — say, 1.50% for company cards. So, for every €100 spent with a card, the issuer gets around €1.50. It’s calculated per transaction volume, but other variables are taken into account, including issuing country, type of card, total transaction amount, and even the merchant category. Swan shares interchange revenue with partners based on their transaction volume.

To discuss a monetization strategy, talk to one of our experts.

Card payments for goods and services in shops or remotely not denominated and carried out in euros have an additional cost of 2% of the amount paid.

Yes, please find below extraordinary events that imply additional banking fees.
- Cash withdrawals at ATMs
- Fee for direct debit rejections due to an insufficient balance
- Intervention fee for managing unauthorized overdrafts
- Improper use of the account (attempting or performing acts in violation of the law and/or Account Agreement)
- Handling legal or administrative garnishments, third party debt orders
- Preparation of a circularisation letter for a legal entity holder
- Call to "Customer Service": cost of a local call, depending on the operator
- Payment for goods and services in stores or remotely not denominated and carried out in euros
- Preparation of a letter certifying the existence of a Swan account

Swan is proud to offer multiple methods to accept payments such as online card payments, direct debits and checks. Other payments methods are planned in the roadmap. Talk to one of our experts to know more about this feature’s pricing.

Our international credit transfers feature allows account holders to (1) exchange euro for a foreign currency and transfer it and (2) receive in euros an international credit transfer initiated outside of the SEPA area. Talk to one of our experts to know more about this feature.