Comparison · 2026 edition
Swan vs Unit: embedded finance compared 2026.
Swan and Unit side by side in the Embedded Finance and Insurance Index 2026: scores, evidence, published facts and awards.
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Swan 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, Unit scores higher overall: 3.0 out of 5 (59 out of 100) against 2.8 (56), ranking 4 and 5 of 14. Swan scores higher for retailers, travel and marketplaces; Unit scores higher for software and platform companies and regulated firms adding products.
Overall and segment scores out of 100, and the score out of 5.
| Score | Swan | Unit |
|---|---|---|
| Score out of 5 | 2.8 | 3.0 |
| Score out of 100 | 56 | 59 |
| Overall rank | 5 of 14 | 4 of 14 |
| For software and platform companies (out of 100) | 56, rank 5 | 60, rank 4 |
| For retailers, travel and marketplaces (out of 100) | 60, rank 6 | 58, rank 7 |
| For regulated firms adding products (out of 100) | 52, rank 6 | 59, rank 4 |
| Type | Embedded banking platform and e-money institution | Embedded banking platform |
Each score with the evidence behind it.
| Criterion | Swan | Unit |
|---|---|---|
| Product range | 3/5 Accounts, payments and cards published. | 5/5 Accounts, cards, bill pay and two credit products published. |
| Published pricing | 1/5 Only a "from" price published, which the method does not count. | 0/5 Not published. |
| Regulatory standing | 4/5 Own e-money licence with ACPR identifiers published for France. | 2/5 Relies on partner banks that are not named on the pages read. |
| Geographic reach | 3/5 Local IBANs in five countries published. | 2/5 US only; nationwide coverage not stated. |
| Integration and launch | 4/5 API, free sandbox and white-label app published; no stated launch time. | 3/5 API and sandbox published; no white-label journey or launch time. |
| Security | 0/5 Not published on the pages read. | 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 | Swan | Unit |
|---|---|---|
| Products | Business accounts with "Local accounts with IBANs starting with FR, DE, ES, NL and IT"; "SEPA and multi-currency transfers"; payment acceptance; physical and virtual cards; expense and employee benefit cards. | Deposit accounts; "Branded prepaid, debit and credit cards"; charge cards; "Lines of credit, invoice factoring and credit cards"; bill pay. |
| Pricing | Swan on demand: "Starting from 2990 € /m"; Swan Enterprise: custom; "flexible, revenue-sharing pricing". | Not listed in this index |
| Regulatory standing | "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". | "Unit is a financial technology company and not a bank. Banking services are provided by Unit's bank partners, Members FDIC." |
| Integration | "The Sandbox is free to explore!"; "White-labeled banking app (your brand, your settings)"; API explorer and Postman collection. | API documentation, sandbox and API status page published. |
| Safeguarding | Client funds "are segregated and deposited with our banking partners, BNP Paribas and Natixis - Groupe BPCE". | Not listed in this index |
| Security | Not listed in this index | "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 Swan: integration and launch and security.
Not published or not stated by Unit: published pricing, regulatory standing and geographic reach.
Facts read on 26 October 2026 from: swan.io, swan.io/pricing; and unit.co, unit.co/security, unit.co/about.
Awards follow from the published scores and cannot be bought.
No award in this index.
From each provider's strongest criteria and published terms.
European software firms wanting accounts and cards under their own brand.
US software firms adding accounts, cards and credit.
Tell us what you need and where you operate.