Comparison · 2026 edition
Solaris vs Swan: banking as a service compared 2026.
Solaris and Swan side by side in the Banking-as-a-Service and Sponsor Banks Index 2026: scores, evidence, published facts and awards.
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Solaris and Swan side by side in the Banking-as-a-Service and Sponsor Banks Index 2026: scores, evidence, published facts and awards.
In the Banking-as-a-Service and Sponsor Banks Index, Swan scores higher overall: 3.9 out of 5 (78 out of 100) against 3.9 (77), ranking 1 and 2 of 11. Solaris scores higher for fintechs launching accounts and cards and regulated payment and e-money firms; Swan scores higher for software platforms embedding finance.
Overall and segment scores out of 100, and the score out of 5.
| Score | Solaris | Swan |
|---|---|---|
| Score out of 5 | 3.9 | 3.9 |
| Score out of 100 | 77 | 78 |
| Overall rank | 2 of 11 | 1 of 11 |
| For fintechs launching accounts and cards (out of 100) | 82, rank 1 | 79, rank 2 |
| For software platforms embedding finance (out of 100) | 68, rank 3 | 77, rank 1 |
| For regulated payment and e-money firms (out of 100) | 81, rank 1 | 79, rank 2 |
| Type | German bank for embedded finance | Embedded banking under a French e-money licence |
Each score with the evidence behind it.
| Criterion | Solaris | Swan |
|---|---|---|
| Product range | 5/5 Accounts, cards, payments and lending all published. | 4/5 Accounts, cards and SEPA payments published; lending not published. |
| Published pricing | 0/5 Not published on the pages read. | 2/5 Card and set-up fees published; plan price only as "starting from". |
| Licence and deposit protection | 5/5 Own full banking licence with regulators named and deposit protection stated. | 4/5 Own e-money licence with register number and named safeguarding banks; e-money is safeguarded, not deposit-insured. |
| Compliance support | 5/5 Solaris states it carries regulatory compliance and onboarding checks for partners. | 4/5 Swan states it carries the regulatory and fraud risk; transaction monitoring not described. |
| Integration | 3/5 API and stated launch time; sandbox and ready-made screens not published on the pages read. | 5/5 API, sandbox, no-code screens and a stated launch time. |
| Markets | 4/5 Local IBANs in three countries with EEA coverage. | 4/5 31 EEA countries. |
Each criterion is scored 0 to 5 against the best published offer in the Banking-as-a-Service and Sponsor Banks 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 | Solaris | Swan |
|---|---|---|
| Product range | "Offer accounts, payment cards, consumer lending, and compliant ID solutions"; cards "Branded credit, debit and prepaid"; payments; digital asset custody; KYC platform. | Accounts with IBANs starting FR, DE, ES, NL and IT; virtual IBANs; physical, virtual and Apple Pay or Google Pay cards; SEPA transfers and SEPA Direct Debit. Lending not described. |
| Pricing | Not published on the pages read. | Sandbox free; Swan on demand "Starting from 2990€/m"; Enterprise custom; non-euro card payments 2%; physical cards 5€ each; no set-up fees. |
| Licence and deposit protection | Solaris SE holds a "full German banking license" under the European Central Bank and BaFin; "all customer deposits are ECB-insured" (Solaris's wording). | Licensed electronic money institution authorised by the ACPR (REGAFI 86245) on 04/06/2020; client funds safeguarded at BNP Paribas and Natixis. |
| Compliance support | Solaris "handles all regulatory complexities, continuously maintaining compliance"; "three-lines-of-defense risk management framework"; acts as "your dedicated regulatory anchor". | "No banking license required"; clients do not need an internal compliance team; "Swan takes on all the risk for you." KYC and onboarding listed in the sandbox. |
| Integration | "modular REST APIs, real-time data webhooks"; partners can "go live in days, not years". | Sandbox with API explorer, Postman collection and event simulator; "#nocode interfaces let you create your white-labeled MVP in minutes"; "launch in weeks, not months". |
| Markets | "local IBANs in Germany, France, and Italy"; expansion "across the EEA". | Services across the EEA; FAQ lists 31 countries. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Solaris: pricing and integration.
Not published or not stated by Swan: product range, compliance support and integration.
Facts read on 26 October 2026 from: solarisgroup.com/en/why-solaris, support.solarisgroup.com/hc/en-us/articles/…; and swan.io/pricing, swan.io/use-cases/fintech, swan.io/faq.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
European fintechs wanting a licensed bank that carries the compliance work.
European software platforms wanting accounts and cards fast, with no-code screens.
Tell us what you need and where you operate.