Best Banking-as-a-Service Platforms in 2026
Updated
Building a financial product can call for a mix of account, card, payment, and compliance capabilities. Compared on card issuing, embedded accounts, payment rails, and supported regions, these Banking-as-a-Service platforms can be assessed against the services your product needs. KYC/AML tools and ledger capabilities offer further points of comparison; free-plan availability and paid-from pricing provide cost context. Railsr, Stripe Treasury, and Swan Cards are among the entries to consider. Think through the regions you plan to serve and the financial workflows you need to support as you weigh platform features.
Banking-as-a-Service Platforms, one module each. A lit port is something its maker publishes; 25 of the 25 on this page have a public API.
- 01 Railsr API yesOSS not on recordFREE yesDOCS 7.3Free
- 02 Stripe Treasury API yesOSS not on recordFREE yesDOCS 7.3Free
- 03 Swan Cards API yesOSS not on recordFREE yesDOCS 7.3€2,990/mo
- 04 Column API yesOSS not on recordFREE not on recordDOCS 7.0
- 05 Dock API yesOSS not on recordFREE not on recordDOCS 7.0
- 06 Solaris API yesOSS not on recordFREE not on recordDOCS 7.0
- 07 Unit API yesOSS not on recordFREE not on recordDOCS 7.0
- 08 Vodeno Cloud Platform API yesOSS not on recordFREE not on recordDOCS 7.0
- 09 Baasic API yesOSS not on recordFREE not on recordDOCS 6.9
- 10 Galileo API yesOSS not on recordFREE not on recordDOCS 6.9
- 11 Griffin API yesOSS not on recordFREE not on recordDOCS 6.9£100/mo
- 12 Mbanq Cloud API yesOSS not on recordFREE not on recordDOCS 6.9
- 13 OpenPayd API yesOSS not on recordFREE not on recordDOCS 6.9
- 14 Paynetics Card Issuing API yesOSS not on recordFREE not on recordDOCS 6.9
- 15 Treasury Prime API yesOSS not on recordFREE not on recordDOCS 6.9
- 16 Bankly API yesOSS not on recordFREE not on recordDOCS 6.8
- 17 ClearBank Embedded Banking API yesOSS not on recordFREE not on recordDOCS 6.8
- 18 Decentro API yesOSS not on recordFREE not on recordDOCS 6.8
- 19 Integrated Finance API yesOSS not on recordFREE not on recordDOCS 6.8
- 20 Modulr API yesOSS not on recordFREE not on recordDOCS 6.8£30/mo
- 21 Airwallex Embedded Finance API yesOSS not on recordFREE not on recordDOCS 6.7
- 22 Highnote API yesOSS not on recordFREE not on recordDOCS 6.7
- 23 Increase ACH API yesOSS not on recordFREE not on recordDOCS 6.7
- 24 Nexfinera API yesOSS not on recordFREE not on recordDOCS 6.7
- 25 Rapyd API yesOSS not on recordFREE not on recordDOCS 6.7$99/mo
Compare all 25 in a table
| # | Platform | Score | Free plan | From | Free plan | Paid from | Card issuing | Embedded accounts |
|---|---|---|---|---|---|---|---|---|
| 1 | Railsr | 7.3 | Free plan | Free | Yes | — | Yes | Yes |
| 2 | Stripe Treasury | 7.3 | Free plan | Free | — | — | Yes | Yes |
| 3 | Swan Cards | 7.3 | Free plan | €2,990/mo | Yes | — | Yes | Yes |
| 4 | Column | 7.0 | No | — | — | — | Yes | Yes |
| 5 | Dock | 7.0 | No | — | — | — | Yes | Yes |
| 6 | Solaris | 7.0 | No | — | — | — | Yes | Yes |
| 7 | Unit | 7.0 | No | — | — | — | Yes | Yes |
| 8 | Vodeno Cloud Platform | 7.0 | No | — | — | — | Yes | Yes |
| 9 | Baasic | 6.9 | No | — | — | — | Yes | Yes |
| 10 | Galileo | 6.9 | No | — | — | — | Yes | Yes |
| 11 | Griffin | 6.9 | No | £100/mo | — | — | No | Yes |
| 12 | Mbanq Cloud | 6.9 | No | — | — | — | Yes | Yes |
| 13 | OpenPayd | 6.9 | No | — | — | — | No | Yes |
| 14 | Paynetics Card Issuing | 6.9 | No | — | — | — | — | — |
| 15 | Treasury Prime | 6.9 | No | — | — | — | Yes | Yes |
| 16 | Bankly | 6.8 | No | — | No | — | Yes | Yes |
| 17 | ClearBank Embedded Banking | 6.8 | No | — | No | — | — | Yes |
| 18 | Decentro | 6.8 | No | — | No | — | Yes | Yes |
| 19 | Integrated Finance | 6.8 | No | — | No | — | Yes | Yes |
| 20 | Modulr | 6.8 | No | £30/mo | — | — | Yes | Yes |
| 21 | Airwallex Embedded Finance | 6.7 | No | — | No | — | Yes | Yes |
| 22 | Highnote | 6.7 | No | — | No | — | — | — |
| 23 | Increase ACH | 6.7 | No | — | No | — | — | — |
| 24 | Nexfinera | 6.7 | No | — | — | — | Yes | Yes |
| 25 | Rapyd | 6.7 | No | $99/mo | No | — | — | — |
Is your platform on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.