Embedded banking is the integration of banking services into non-banking platforms—such as business software, e-commerce sites, or mobile apps—so that customers can access accounts, payments, or cards without leaving the host platform. In narrow use, it refers to Banking-as-a-Service (BaaS): providing real bank accounts, deposits, and related services through a licensed bank partner. In broader use (e.g. Stripe, industry content), embedded banking can mean the same as embedded finance: payments, lending, accounts, insurance, and other financial services embedded in non-financial products.

Embedded banking is distinct from open banking: open banking focuses on data sharing and third-party access to existing bank data via APIs; embedded banking focuses on delivering banking (or financial) services inside another product. Providers include BaaS and embedded finance platforms such as Unit, Stripe Treasury, Solaris, Swan, and ClearBank. The Open Banking Tracker directory lists 100+ embedded finance and BaaS providers you can filter by category and region.