Treasury is intended for startups and growing businesses that want to combine business funds, payouts, cards, and accounting workflows.
Free plan From $0.50 one-time AndroidiPhone & iPadWebAPI
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Best Banking-as-a-Service Platforms 2026
Facts read 29 Sep 2026 – 15 Oct 2026
Businesses building financial services can compare Banking-as-a-Service platforms by the functions they make available for accounts, cards, payments, and compliance. Compared on card issuing, embedded accounts, payment rails, supported regions, KYC/AML tools, and ledger capabilities, these entries show different dimensions of a potential financial setup. Unit, Paynetics Card Issuing, and Vodeno Cloud Platform are among the options named here, alongside Moov and Rapyd. Consider which account and payment functions your offering needs, the regions it must serve, and what compliance and ledger tools are relevant. Free-plan availability and paid-from pricing provide additional comparison points as you assess the listed capabilities against your requirements.
The standings: top 10
| Name | In a line | Record score | Price from | Try it free | Runs on | Facts read |
|---|---|---|---|---|---|---|
| 01 Stripe Treasury | Treasury is intended for startups and growing businesses that want to combine business funds, payouts, cards, and accounting workflows. | 5.7 | $0.50 one-time | Free plan | Android, iPhone & iPad, Web, API | 15 Oct 2026 |
| 02 Swan Cards | It suits European software companies that want to add branded accounts, cards, and payments to their products. | 5.5 | €900 a month | Free plan | Android, iPhone & iPad, Web, API | 15 Oct 2026 |
| 03 Railsr | Railsr is intended for companies such as fintechs, sports clubs, retailers, and brands seeking embedded finance capabilities. | 5.3 | Free plan | Free plan | Web, API | 14 Oct 2026 |
| 04 Modulr | It suits businesses seeking payment, account, card, or collections services, including organisations in travel, lending, merchant payments, and investment and wealth. | 5.2 | £16.25 a month | — | Android, iPhone & iPad, Web, API | 15 Oct 2026 |
| 05 Griffin | Griffin suits fintech, proptech, wealthtech, lending, payroll, insurance, and SaaS companies that are UK-based or entering the UK. | 4.9 | £100 a month | Free plan | Web, API | 7 Oct 2026 |
| 06 Increase ACH | Increase describes ACH as banking infrastructure for technology companies. | 4.5 | — | — | Web, API | 3 Oct 2026 |
| 07 Mbanq Cloud | Mbanq Cloud may suit fintechs, neobanks, and software platforms adding banking or embedded finance services. | 4.5 | — | Free trial | Android, iPhone & iPad, Web, API | 15 Oct 2026 |
| 08 Rapyd | Rapyd suits businesses that need payment acceptance, payouts, or embedded financial services across markets. | 4.4 | $99 a month | — | Android, iPhone & iPad, Web, API | 30 Sep 2026 |
| 09 Weavr | Weavr is suited to application developers and businesses adding account, card, or payment functions to a product. | 4.4 | £1,947 a month | — | Android, iPhone & iPad, Web, API | 7 Oct 2026 |
| 10 NymCard | NymCard is aimed at banks, fintechs, and businesses building financial products. | 4.2 | — | — | Android, iPhone & iPad, Web, API | 9 Oct 2026 |
02
Swan Cards
It suits European software companies that want to add branded accounts, cards, and payments to their products.
AndroidiPhone & iPadWeb+2 Record5.5 Visit
03
Railsr
Railsr is intended for companies such as fintechs, sports clubs, retailers, and brands seeking embedded finance capabilities.
WebAPI Record5.3 Visit
04
Modulr
It suits businesses seeking payment, account, card, or collections services, including organisations in travel, lending, merchant payments, and investment and wealth.
AndroidiPhone & iPadWeb+1 Record5.2 Visit
05
Griffin
Griffin suits fintech, proptech, wealthtech, lending, payroll, insurance, and SaaS companies that are UK-based or entering the UK.
WebAPI Record4.9 Visit
6
Increase ACH
WebAPI — Record4.5 Visit Increase describes ACH as banking infrastructure for technology companies.
7
Mbanq Cloud
AndroidiPhone & iPadWeb+1 — Record4.5 Visit Mbanq Cloud may suit fintechs, neobanks, and software platforms adding banking or embedded finance services.
8
Rapyd
AndroidiPhone & iPadWeb+1 $99 a month Record4.4 Visit Rapyd suits businesses that need payment acceptance, payouts, or embedded financial services across markets.
9
Weavr
AndroidiPhone & iPadWeb+1 £1,947 a month Record4.4 Visit Weavr is suited to application developers and businesses adding account, card, or payment functions to a product.
10
NymCard
AndroidiPhone & iPadWeb+2 — Record4.2 Visit NymCard is aimed at banks, fintechs, and businesses building financial products.
11
Treezor
AndroidiPhone & iPadWeb+1 — Record4.2 Visit Treezor suits fintechs, regulated institutions, and corporates that want to embed financial services through APIs.
12
Moov
AndroidiPhone & iPadWeb+1 $500 usage-based Record4.1 Visit Moov suits businesses building payment flows across online or in-person channels, and developers seeking SDKs or API access.
13
Paynetics Card Issuing
AndroidiPhone & iPadWeb+1 — Record4.1 Visit It is aimed at businesses and partners building card programs for use cases such as payroll incentives, government disbursements, e-commerce, or remittances.
14
Unit
AndroidiPhone & iPadWeb+1 — Record4.1 Visit Unit is for companies embedding financial products in services for businesses, independent workers, or consumers.
15
Vodeno Cloud Platform
AndroidiPhone & iPadWeb+1 — Record4.1 Visit The platform is aimed at banks, licence holders, and businesses embedding financial services for retail or corporate users.
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