Comparison · 2026 edition
Qover vs Unit: embedded finance compared 2026.
Qover and Unit side by side in the Embedded Finance and Insurance Index 2026: scores, evidence, published facts and awards.
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Qover and Unit side by side in the Embedded Finance and Insurance Index 2026: scores, evidence, published facts and awards.
In the Embedded Finance and Insurance Index, Qover scores higher overall: 4.2 out of 5 (84 out of 100) against 3.0 (59), ranking 1 and 4 of 14. Qover also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Qover | Unit |
|---|---|---|
| Score out of 5 | 4.2 | 3.0 |
| Score out of 100 | 84 | 59 |
| Overall rank | 1 of 14 | 4 of 14 |
| For software and platform companies (out of 100) | 81, rank 1 | 60, rank 4 |
| For retailers, travel and marketplaces (out of 100) | 88, rank 1 | 58, rank 7 |
| For regulated firms adding products (out of 100) | 82, rank 1 | 59, rank 4 |
| Type | Embedded insurance platform and insurance agent | Embedded banking platform |
Each score with the evidence behind it.
| Criterion | Qover | Unit |
|---|---|---|
| Product range | 5/5 Five insurance lines published. | 5/5 Accounts, cards, bill pay and two credit products published. |
| Published pricing | 0/5 Not published. | 0/5 Not published. |
| Regulatory standing | 5/5 Own registrations with FSMA and FCA numbers published. | 2/5 Relies on partner banks that are not named on the pages read. |
| Geographic reach | 5/5 32 European countries published. | 2/5 US only; nationwide coverage not stated. |
| Integration and launch | 5/5 API, test key, white-label flow and a stated launch time published. | 3/5 API and sandbox published; no white-label journey or launch time. |
| Security | 3/5 ISO 27001 published; SOC 2 not published. | 5/5 SOC 2 Type II and PCI DSS Level 1 published. |
Each criterion is scored 0 to 5 against the best published offer in the Embedded Finance and Insurance Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Qover | Unit |
|---|---|---|
| Products | Insurance solutions: "Accident & health", "Mobility", "Purchase", "Travel" and "Property"; "Since 2016, Qover has helped 440+ brands & insurers cover millions of people." | Deposit accounts; "Branded prepaid, debit and credit cards"; charge cards; "Lines of credit, invoice factoring and credit cards"; bill pay. |
| Regulatory standing | "Qover is a Belgian-regulated untied insurance agent"; footer: "FSMA 0650.939.878 FCA: FRN 988985"; UK services "through our local branch, which is authorised and regulated by the Financial Conduct Authority". | "Unit is a financial technology company and not a bank. Banking services are provided by Unit's bank partners, Members FDIC." |
| Reach | "insurance distribution activities on behalf of insurance companies across 32 countries in Europe" under the Freedom of Services. | Not listed in this index |
| Integration | "Explore our API capabilities and receive your own test key"; "Choose a white-label flow or embed it in your app via API"; "launch in weeks, not months". | API documentation, sandbox and API status page published. |
| Security | "ISO 27701 & 27001 certified". | "Unit is certified SOC 2 Type II and PCI DSS Level 1 compliant." "Unit applications and solutions are fully built in the AWS cloud environment." |
| Scale | Not listed in this index | "Unit doubles transaction volume to $100B within 12 months"; client Relay serves "110,000+ small businesses". |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Qover: published pricing and security.
Not published or not stated by Unit: published pricing, regulatory standing and geographic reach.
Facts read on 26 October 2026 from: qover.com, qover.com/legal-services; and unit.co, unit.co/security, unit.co/about.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Firms selling cover across Europe and the UK.
US software firms adding accounts, cards and credit.
Tell us what you need and where you operate.