Provider profile · 2026 edition
Increase review 2026: scores, pricing and alternatives.
Increase is a non-bank technology provider that gives US platforms accounts, ACH, wires, RTP, FedNow, checks and cards over four named FDIC member banks.
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Increase is a non-bank technology provider that gives US platforms accounts, ACH, wires, RTP, FedNow, checks and cards over four named FDIC member banks.
Increase is ranked in 2 Buckingham Intelligence indices. Its highest score is 2.6 out of 5 (52 out of 100) in the Banking-as-a-Service and Sponsor Banks Index, where it ranks 9 of 11. It is strongest for US platforms wanting a fully priced payments and accounts API, and its best criterion is product range at 4 out of 5. Not published or not stated on the pages read: compliance support, product range, published pricing and integration.
Also ranked in: Virtual Accounts and IBANs Index (2.4 out of 5, rank 10 of 10).
Scores from the Banking-as-a-Service and Sponsor Banks Index and Virtual Accounts and IBANs Index 2026.
No award in the Banking-as-a-Service and Sponsor Banks Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For fintechs launching accounts and cards | 48 | 10 of 11 |
| For software platforms embedding finance | 55 | 7 of 11 |
| For regulated payment and e-money firms | 53 | 8 of 11 |
No award in the Virtual Accounts and IBANs Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For payment and e-money firms | 52 | 10 of 10 |
| For marketplaces and platforms | 47 | 10 of 10 |
| For businesses collecting from abroad | 43 | 9 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US platforms wanting a fully priced payments and accounts API.
US platforms creating many account numbers for reconciliation.
What Increase publishes on its own pages, read on 26 October 2026.
Increase is a non-bank technology provider that gives US platforms accounts, ACH, wires, RTP, FedNow, checks and cards over four named FDIC member banks. It publishes the most complete per-payment price list in this edition. It does not publish compliance support, lending or a launch time.
| Fact | What the provider publishes |
|---|---|
| Product range | Bank accounts, ACH, checks, FedNow, Real-Time Payments, push-to-card, wires and cards. |
| Pricing | ACH same-day $2.00 and next-day $0.50 per transaction; wire origination $15.00; RTP and FedNow origination $2.50; check issued and mailed $3.00; virtual card $0.25; account number creation "First 10 free"; monthly fees "vary by use case". |
| Licence and deposit protection | "Increase Technologies, Inc. is a non-bank technology service provider." Partner banks: Increase Bank, Grasshopper Bank, N.A., First Internet Bank of Indiana and Core Bank, Members FDIC. |
| Deposit insurance | "Eligible deposits held at a Partner Bank are insured by the FDIC up to the standard maximum deposit insurance amount." |
| Integration | Web dashboard and API. |
| Compliance support | Not published on the pages read. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: increase.com/fees, increase.com/terms, increase.com/modern-treasury.
Increase lets US platforms create account numbers on accounts held at four named FDIC member banks, receiving on ACH, wires, RTP and FedNow. The first 10 account numbers are free; further pricing is not published. Increase is a technology provider, not a bank.
| Fact | What the provider publishes |
|---|---|
| Currencies | US dollar only. |
| Account ownership | "Account number creation" priced per number; naming of accounts not described. |
| Pricing | Account number creation "First 10 free"; hold harmless letters $40.00; monthly fees "vary by use case". |
| Local rails | ACH, wires, Real-Time Payments and FedNow. |
| Regulatory standing | "Increase Technologies, Inc. is a non-bank technology service provider"; partner banks Increase Bank, Grasshopper Bank, N.A., First Internet Bank of Indiana and Core Bank, Members FDIC. |
| Integration | Web dashboard and API. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: increase.com/fees, increase.com/terms.
Each score with the evidence behind it.
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
Each criterion is scored 0 to 5 against the best published offer in the Virtual Accounts and IBANs Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Swan | 3.9 | 1 of 11 | European software platforms wanting accounts and cards fast, with no-code screens |
| Solaris | 3.9 | 2 of 11 | European fintechs wanting a licensed bank that carries the compliance work |
| Airwallex | 3.8 | 3 of 11 | Platforms serving business customers in many countries from one integration |
| Weavr | 3.2 | 4 of 11 | UK and EU business software adding accounts and cards at a fixed monthly price |
| Griffin | 3.2 | 5 of 11 | UK fintechs and platforms wanting a bank with published plan tiers and fast onboarding |
| ClearBank | 3.2 | 6 of 11 | UK payment and e-money firms wanting FSCS-protected accounts and direct UK payment access |
| Synctera | 2.8 | 7 of 11 | Fintechs in the US and Canada wanting onboarding and monitoring built in |
| Column | 2.6 | 8 of 11 | US fintechs wanting to build directly on a chartered bank rather than through a middle layer |
| Unit | 2.4 | 10 of 11 | US software platforms wanting ready-made banking screens |
| Treasury Prime | 1.9 | 11 of 11 | US banks running their own fintech programmes |
Full Banking-as-a-Service and Sponsor Banks Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Airwallex | 4.3 | 1 of 10 | Platforms and businesses needing local receiving details in many currencies at published prices |
| Wise Business | 4.0 | 2 of 10 | Small and mid-sized businesses collecting from customers abroad |
| Nium | 3.8 | 3 of 10 | Payment firms and platforms issuing accounts in their customers' names under their own brand |
| ClearBank | 3.3 | 4 of 10 | UK payment and e-money firms needing safeguarding and virtual accounts at a bank |
| Swan | 2.8 | 5 of 10 | European platforms issuing euro accounts with local IBANs to their customers |
| Griffin | 2.8 | 6 of 10 | UK payment, e-money and investment firms needing safeguarding or client money accounts |
| Weavr | 2.6 | 7 of 10 | UK and EU business software giving each client account an IBAN at a fixed monthly price |
| Payoneer | 2.6 | 8 of 10 | Sellers and freelancers collecting from marketplaces and overseas clients |
| Column | 2.5 | 9 of 10 | US fintechs needing FBO accounts and account numbers at a chartered bank |
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. Increase is compared with its alternatives in the table above.
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