Best Banking-as-a-Service Platforms in 2026
Updated
In short: Vodeno Cloud Platform is ranked #1 of 31 as of 4 October 2026, ahead of Mbanq Cloud and Unit. The best-ranked option with a free plan is Railsr. The lowest first paid tier on this page is Rapyd at $99/mo.
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.
31 banking-as-a-service platforms ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
Recognised 40% · Phone app 26% · Documented 20% · Free plan 14% of the score
- 1 Vodeno Cloud Platform iPhone + Android RecognisedPhone appDocumentedFree plan 8.9 Card issuing: YesEmbedded accounts: YesPayment rails: sepa
- 2 Mbanq Cloud iPhone + Android RecognisedPhone appDocumentedFree plan 8.5 Card issuing: YesEmbedded accounts: Yes
- 3 Unit iPhone + Android RecognisedPhone appDocumentedFree plan 8.4 Card issuing: YesEmbedded accounts: YesPayment rails: ach
- 4 Railsr No phone app RecognisedPhone appDocumentedFree plan 7.5Free Card issuing: YesEmbedded accounts: Yes
- 5 Paynetics Card Issuing iPhone + Android RecognisedPhone appDocumentedFree plan 7.5
- 6 Airwallex Embedded Finance No phone app RecognisedPhone appDocumentedFree plan 7.3 Card issuing: YesEmbedded accounts: YesPayment rails: card_networks
- 7 Galileo No phone app RecognisedPhone appDocumentedFree plan 7.2 Card issuing: YesEmbedded accounts: Yes
- 8 Column No phone app RecognisedPhone appDocumentedFree plan 7.2 Card issuing: YesEmbedded accounts: YesPayment rails: ach
- 9 Modulr No phone app RecognisedPhone appDocumentedFree plan 6.9 Card issuing: YesEmbedded accounts: YesPayment rails: faster_payments
- 10 Integrated Finance No phone app RecognisedPhone appDocumentedFree plan 6.8 Card issuing: YesEmbedded accounts: Yes
- 11 Treasury Prime No phone app RecognisedPhone appDocumentedFree plan 6.8 Card issuing: YesEmbedded accounts: Yes
- 12 Weavr iPhone + Android RecognisedPhone appDocumentedFree plan 6.8 Card issuing: YesEmbedded accounts: YesPayment rails: card_networks
- 13 Solaris No phone app RecognisedPhone appDocumentedFree plan 6.7 Card issuing: YesEmbedded accounts: YesPayment rails: sepa
- 14 Moov iPhone + Android RecognisedPhone appDocumentedFree plan 6.7$500/mo
- 15 Rapyd iPhone + Android RecognisedPhone appDocumentedFree plan 6.7$99/mo
- 16 Synctera No phone app RecognisedPhone appDocumentedFree plan 6.4 Card issuing: YesEmbedded accounts: Yes
- 17 Decentro No phone app RecognisedPhone appDocumentedFree plan 6.4 Card issuing: YesEmbedded accounts: YesPayment rails: wire
- 18 OpenPayd No phone app RecognisedPhone appDocumentedFree plan 6.3 Card issuing: NoEmbedded accounts: Yes
- 19 Stripe Treasury No phone app RecognisedPhone appDocumentedFree plan 6.3Free Card issuing: YesEmbedded accounts: YesPayment rails: ach
- 20 ClearBank Embedded Banking No phone app RecognisedPhone appDocumentedFree plan 6.1 Embedded accounts: YesPayment rails: faster_payments
- 21 NymCard No phone app RecognisedPhone appDocumentedFree plan 6.1 Card issuing: YesEmbedded accounts: Yes
- 22 Swan Cards No phone app RecognisedPhone appDocumentedFree plan 6.0€2,990/mo Card issuing: YesEmbedded accounts: YesPayment rails: sepa
- 23 Baasic No phone app RecognisedPhone appDocumentedFree plan 5.9 Card issuing: YesEmbedded accounts: YesPayment rails: card_networks
- 24 Griffin No phone app RecognisedPhone appDocumentedFree plan 5.9 Card issuing: NoEmbedded accounts: YesPayment rails: faster_payments
- 25 Bankly No phone app RecognisedPhone appDocumentedFree plan 5.8 Card issuing: YesEmbedded accounts: YesPayment rails: card_networks
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which banking-as-a-service platform is ranked first on Samsung Mobile US Press?
Vodeno Cloud Platform is ranked #1 of 31 with a score of 8.9. Mbanq Cloud is second and Unit third.
How many of these have a free plan?
3 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Rapyd has the lowest first paid tier we found: $99/mo.
How is this list ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation. Paid placements never change a rank.