Swan features

Companies of all kinds use Swan to make necessary financial steps disappear seamlessly into their products and workflows.


Wallet, payment account, bank account, spending account — however you think of it, payments at Swan always pass through an account. An Account Holder owns the funds held in each account, but you can give account access to multiple people. These are "account members" and Swan handles the account opening and identity verification processes for all of them.

Web banking app

Invite your customers to our ready-made web banking app (white-labeled), or build your own using our APIs.

Unlimited accounts

Fully verified accounts, with no limit on receiving/issuing funds. You get the full offer: accounts come with an IBAN and allow to issue virtual IBANs and cards too.

Limited accounts

These accounts are limited to €150 of transactions per month, and they don't require ID verification. Useful for P2P payment apps.


Pamper your customers or employees with smart cards. You can design and issue cards with your own logo in just seconds using our dashboard.

Design your card
Digital, virtual, physical

When a card is issued, a virtual card number is instantly created. It can immediately go digital, via Apple Pay or Google Pay.  Or you can order classic physical cards.

Payment control

Give your customers complete control over every charge and help them prevent fraud. Create advanced combinations of rules including limits on the Amount, Currency, Merchant ID,  Merchant Category, City, or Country.

Spending limits

Limit how much accounts can spend on ATM withdrawals, for example, or eCommerce Payments, over an allotted time period (applied on a rolling basis).


All accounts are automatically assigned a main IBAN. Use these to receive or make transfers all across Europe.


Swan’s country code


IBAN check digits


Swan’s bank code


Swan’s branch code


Account number (11 digits)


Check digits

Virtual IBANs

Assign limitless virtual IBANs to your accounts. It's free. Great for automated reconciliation.

Coming soon

We are working hard to build up our set of robust and easy‑to‑integrate banking tools.


Go ahead and start using a new account even though it has no funds on it. Just link another bank account to us and we'll reimburse ourselves later via your preferred funding source.

For company creation

Easily deposit your share capital and finalize the creation of your company. Get your deposit certificate within just 72H after depositing your funds. (France only)

SEPA Direct Debit collections

IBANS allow account holders to collect funds using SDD. Swan enables both SDD Core and SDD B2B.

Local IBANs

Swan will provide local IBANs across the EU, identified by their country code. FRXXX for France, DEXXX for Germany, etc.

Let's talk.

Curious about embedded banking features? Want to discuss the vision you have for your product? Just fill out this form and we'll get in touch.

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