Guidelines

Status Options

Your legal status while partnering with Swan depends on the country your company is based in.

Your company is based in any EEA country other than France

You will operate as a Commercial Agent of Swan. There is no regulatory process required to become a Commercial Agent, we will handle it once you go live.

Your company is based in France

You will operate as a Registered Swan Intermediary (MOBSP : Mandataire en Opération de Banque et en Service de Paiement). Companies with MOBSP status are regulated by l'ORIAS. Discover the step-by-step process

What you can and can’t do with Swan

Here's what you can do:

  1. Present banking services directly on your platform. You won't have to route your end-users to Swan

  2. Provide access to your own platform, app, or SaaS, where end-users can manage their Swan accounts, prepare payment orders, etc.

  3. White-labeled branding. You can brand our banking services as your own, simply mentioning Swan as a partner in your T&C

  4. Mention Swan's T&C in your own T&C

  5. Collect client information and KYC documents yourself, then forward them to Swan. Just make sure to specify this in your GDPR notice to your clients (Proof of Address, Company Registration documents, etc.)

Restrictions:

  1. You may not manage sensitive operations yourself (e.g. KYC, Strong Customer Authentication) although you may participate in collecting required documentation.

  2. You may not call yourself a bank or a neobank. Regulations stipulate that companies with your legal status may not declare themselves a bank nor a neobank.

  3. You may not sell payment services. Only Swan is allowed to sell payment services. You may only present them.

  4. You may not call your offer a “bank account” or a “payment account”. Only Swan provides a payment account. Here are some alternatives you may use: “MyBrand Account,” ‘MyBrand Premium,” or “MyBrand Wallet”.

Rules you must follow

As a partner, you are allowed to sell and present Swan's commercial offer as your own, without any obligation to mention Swan. To comply with data protection regulations, your company must:

  1. Provide its own privacy policy

  2. Indicate to customers that their data will be shared with Swan

  3. Indicate the company’s legal status. Make sure to provide the following in your footer and/or legal notices:

    • The name of your status (“MOBSP” for French companies, “commercial agent” for companies outside of France)

    • Your Orias registration number if indicated

    • Legal name as provided

    • Postal address

Proper way to present your offer

Terms & Conditions

Presenting Swan's Term's & Conditions

You are authorized to present Swan's T&C within your own T&C or directly on your website.

Presenting Swan's Commercial Offer

You are authorized to present Swan's commercial offer within your own T&C or on your website as well.

Which countries can I serve?

Swan's e-money license allows to provide banking services across the EEA including:

  • Austria

  • Belgium

  • Cyprus

  • Estonia

  • Finland

  • France

  • Germany

  • Greece

  • Iceland

  • Italy

  • Latvia

  • Lithuania

  • Luxembourg

  • Malta

  • Netherlands

  • Portugal

  • Slovakia

  • Slovenia

  • Spain