Personio, become the one-stop HR shop with embedded banking services

Centralize all your people management processes within your platform.

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Behind Europe's next-generation HR SaaS solutions

Regional Hero

Lucca

Regional Hero

Lucca

By embedding banking services, Personio can generate up to €19.5 million in additional monthly revenue

Enhance Personio's customer value proposition by streamlining HR and finance processes, resulting in improved outcomes for customers and a better overall experience. This is how Personio's dashboard could look like:

YourBrand

's Dashboard

Provide your own branded company cards with different spending limits and extensive payment control. Enable clients to minimize external fraud risk by issuing dynamic virtual cards for one-time payments or physical cards for employee and team expenses.

Spending limits and granular payment control for merchants allow companies to build a custom benefit program, whether it is for meal vouchers, mobility or healthcare spend. Employees benefit from a flexible program with a reliable payment method.

With embedded payments, instant approvals and automatic deductions upon the next paycheck, a previously time-consuming process becomes a smooth and employee-friendly solution. Empower companies to provide financial stability for staff members while simplifying administrative tasks for HR teams.

Add a "Pay salaries" function to your platform and let companies submit a bulk transfer request. No need to download a full XML file, upload it to the bank app, and manually authorize each payment. All salaries are instantly paid according to your software's rules.

Issue expense cards

Issue benefit cards

Advance salary

Simplify payroll

YourBrand

's Dashboard

Personio

's Dashboard

Issue expense cards

Provide your own branded company cards with different spending limits and extensive payment control. Enable clients to minimize external fraud risk by issuing dynamic virtual cards for one-time payments or physical cards for employee and team expenses.

Issue benefit cards

Spending limits and granular payment control for merchants allow companies to build a custom benefit program, whether it is for meal vouchers, mobility or healthcare spend. Employees benefit from a flexible program with a reliable payment method.

Advance salary

With embedded payments, instant approvals and automatic deductions upon the next paycheck, a previously time-consuming process becomes a smooth and employee-friendly solution. Empower companies to provide financial stability for staff members while simplifying administrative tasks for HR teams.

Simplify payroll

Add a "Pay salaries" function to your platform and let companies submit a bulk transfer request. No need to download a full XML file, upload it to the bank app, and manually authorize each payment. All salaries are instantly paid according to your software's rules.

Integrate essential banking services needed by business customers and their employees

Swan offers you a complete banking toolkit so you can build your best product.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Outgoing Invoice Management

Add a handy-dandy "Pay invoice" button to your product and let your customers pay their suppliers in just one click. Natively integrated bank accounts make this possible.

Virtual IBANs

Assign one IBAN per customer and use it as an identifier when receiving payments — great to automate the tedious task of accounts reconciliation. Do you need 10,000 IBANs a day? No problem. Swan lets you assign limitless virtual IBANs.

Virtual IBANs

SEPA Credit Transfer

Send and receive transfers in euros between accounts in the SEPA zone (all EU countries + the UK, Iceland, Lichtenstein, Norway, and Switzerland).

SEPA Credit Transfer

Local IBANs

Offer local accounts and IBANs starting with FR, DE, ES, NL and soon IT Strengthen your brand with banking accounts your customers trust.

Local IBANs

SEPA Direct Debit

Collect instant one-off or automated recurring payments both from business or individual accounts (SEPA Direct Debit B2B and Core).

SEPA Direct Debit

Instant SCT

Send and receive transfers within seconds, instead of days. Lighting fast payments means real-time financial data, instant approvals, and more.

Instant SCT

Virtual cards

Whenever a card is issued, a virtual card number is instantly created and can be used anywhere online. Cards can be added to Apple Wallet and Google Pay, so they’re available for in-store contactless payments on compatible devices.

Virtual cards

Physical cards

The good old plastic cards we all know. They can be used at sales points with any of the usual methods: swipe, chip + PIN code, or contactless.

Physical cards

Join the embedded banking movement.

Give your customers an experience so smooth they don't even notice financial steps. Banking becomes invisible.

Benjamin Delight

Embedded Finance Expert

Talk to your expert

Talk to an expert

Swan's know-how responds to the operational requirements of our profession, where stakes are high and workflow issues complex. The ease of integration and quality of the technical documentation has been a delight for our tech team!

Vincent Folny

,

COO & Co-founder at Aria

In just a few days, the Pennylane Wallet was able to go live and our customers could transfer money and start paying their bills. Swan enables us to add features step by step, depending on user feedback. They’re exactly the partner we were looking for. Truly game changing in the industry!

Tancrède Besnard

,

Co-Founder & Product at Pennylane

Swan's know-how responds to the operational requirements of our profession, where stakes are high and workflow issues complex. The ease of integration and quality of the technical documentation has been a delight for our tech team!

Vincent Folny

,

COO & Co-founder at Aria

Customer Stories

Featured

Building corporate cards in Italy: The Tundr story.

Mastercard corporate cards that can be loaded with vouchers for green mobility purchases, shopping, holidays, and recreation.

An app focused on sustainability where employees can monitor their benefits credit and estimate the environmental impact of each of their purchases.

Instant reports on benefits usage for the employers.

How Swan empowered Tundr to build a corporate benefits app with smart company cards and a sustainability twist!

Lucca x Swan: Why the best HR software has embedded banking

Innovating in the HR field for over 20 years, Lucca had already streamlined HR processes for 1 million users in 112 countries. Now, with embedded banking features, they are surfing a sharp uptick in growth!

Localizing embedded finance in Germany: what we have learned so far

As a European BaaS, the best way to win over new customers is to localize. Here's how.

Building next-generation human resources

Take your user experience to the next level

Embed payment flows into your product to offer a centralised experience. No more back and forth between apps for your users.

Reinforce your competitive advantage

Differentiate yourself from competition by offering payment features your customers need.

Generate additional revenue

Based on a high-level business case, we estimate that embedded finance presents an opportunity for Personio to generate over €60 million in annual revenue.

Increase stickiness

Weekly banking operations boost engagement and reduce churn risk by increasing customer reliance on your systems.

FAQs

What kind of banking features can I embed into my product?

Almost every type of financial service is embeddable. Swan has three core banking products: accounts, cards, and payments. You can offer your customers accounts, many types of payment cards, and the ability to send or receive payments via the SEPA network, and more!

What resources are required to launch embedded banking?

Partnering with a Banking-as-a-Service provider like Swan means you can launch your banking product in a matter of weeks at a fraction of the cost of working with a traditional bank. Since Swan handles the tricky compliance stuff like KYC, AML, and transaction monitoring, you don’t have to spend the time and money building a dedicated banking team in-house.

How does embedded banking allow me to triple my revenue?

Banking features enable you to further monetize hard-won customers. You’ve done a lot to get your customer on board. By offering them financial products when they need it and how they want it, you can increase revenue through shared interchange, higher subscription fees, and more.

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.

Talk to our team

© Swan.io 2025

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.