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Auth0 vs Swan

Auth0 logo

Auth0

Technology

Secure access for everyone

From
Free
Rated
-
Full reviewWebsite
Swan logo

Swan

APIs

European banking-as-a-service platform for embedding accounts, cards and payments into other products

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Auth0 has a free tier, so it costs nothing to try first.
  • Each has a real cost: Auth0 free tier limited to 25,000 monthly active users, requiring upgrade for growth beyond that; Swan its regulatory base and strongest local account coverage are French and European, so companies needing US, UK-post-Brexit-specific, or broader global banking-as-a-service need an additional provider.
  • They diverge on capability: Auth0 covers Universal login, Swan covers Embedded business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Auth0 and Swan actually diverge.

Attributes where Auth0 and Swan differ
AttributeAuth0Swan
Starting priceFreeOn request
Pricing modelUnknownquote
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb, API
CategoryTechnologyAPIs
Founded2013Unknown

Identical on both: user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Auth0

  • Universal login
  • Social login
  • Multi-factor authentication
  • Passwordless
  • User management
  • Anomaly detection
  • Extensibility
  • Machine to machine

Only in Swan

  • Embedded business accounts
  • Card issuing
  • SEPA payments
  • Local account localisation
  • ACPR regulation
  • Usage-based pricing

What people use each for

The jobs each tool is most often brought in to do.

Auth0

  • B2C authenticationnot Swan
  • B2B authenticationnot Swan
  • B2E authenticationnot Swan
  • API securitynot Swan
  • Mobile app securitynot Swan

Swan

  • A vertical SaaS platform wanting to embed business bank accounts under its own brandnot Auth0
  • A marketplace wanting to issue cards to sellers or partners without becoming a licensed banknot Auth0
  • A company wanting SEPA payment initiation embedded directly into its own productnot Auth0
  • A European fintech wanting to avoid a six-figure setup fee and long lock-in typical of legacy banking-as-a-service dealsnot Auth0

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Auth0

  • Free tier limited to 25,000 monthly active users, requiring upgrade for growth beyond that
  • Advanced features like MFA and RBAC only available on paid Essentials tier and above
  • Ownership by Okta introduces risk that independent product roadmap may change

Swan

  • Its regulatory base and strongest local account coverage are French and European, so companies needing US, UK-post-Brexit-specific, or broader global banking-as-a-service need an additional provider.
  • Pricing is described only philosophically (usage-based, no big setup fee) rather than published as an actual rate card, so a company still needs a sales conversation to get real numbers.
  • Embedding banking features into a product is a substantial compliance and design undertaking regardless of the vendor, and Swan handling the licence does not remove a platform's own KYC, AML and customer support obligations for the accounts it offers.
  • As a comparatively young, single-country-licensed e-money institution, its balance sheet and regulatory standing carry more concentration risk than a banking-as-a-service offering backed by an established, multi-jurisdiction bank.
  • Local account depth is explicitly limited to France, Germany and Spain, so a platform needing native local accounts in other European countries may find coverage thinner than expected.

Pricing, plan by plan

Auth0

Free
  • FreeFree
    • Up to 25,000 monthly active users
    • Basic authentication
    • Email/password login
  • Essentials (B2C)$35/month
    • Unlimited MAUs beyond free tier
    • Multi-Factor Authentication
    • Role-Based Access Control
  • Professional (B2C)$240/month
    • All Essentials features
    • Advanced security
    • Custom branding

Swan

On request
  • Swan$undefined/month
    • Usage-based pricing, no published rate card
    • No long-term contract or large setup fee required
    • Custom quote based on current, not forecast, usage

Which should you pick?

Choose Auth0 if

  • You need universal login.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want social login.
Auth0 review

Choose Swan if

  • You need embedded business accounts.
  • You work on Web, API.
  • You also want card issuing.
Swan review

Questions people ask

Is Auth0 or Swan better?
Neither clearly leads. Auth0 starts at Free and Swan at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Auth0 or Swan?
Auth0 has a free tier; the other does not. Paid plans start at Free for Auth0 and On request for Swan.
Does Auth0 or Swan run on more platforms?
Auth0 runs on Web, iOS, Android. Swan runs on Web, API.
Can I use Auth0 for free?
Yes. Auth0 has a free tier, so you can try it without paying. Swan starts at On request.
What is Auth0 best used for?
Auth0 is most often used for b2c authentication, b2b authentication, b2e authentication, api security. Of those, b2c authentication and b2b authentication are not what Swan is typically brought in for.
What can Auth0 do that Swan cannot?
Auth0 covers Universal login, Social login, Multi-factor authentication, Passwordless. Swan covers Embedded business accounts, Card issuing, SEPA payments, Local account localisation.

Answered from the vendors’ own pages

Auth0: How much does Auth0 cost?

Auth0 has a Free tier for up to 25,000 monthly active users (MAUs). Paid plans start at $35/month (Essentials B2C) and scale to $240/month (Professional B2C) and higher for Enterprise. Pricing scales with MAU usage.

Source
Swan: Which countries does Swan offer local accounts in?

France, Germany and Spain specifically, alongside broader SEPA payment coverage.

Auth0: Does Auth0 include Multi-Factor Authentication?

No. MFA, RBAC (Role-Based Access Control), and premium support are not included in the free tier and require upgrading to paid Essentials plans or higher.

Source
Swan: Is pricing published?

No, Swan describes a usage-based, no-large-setup-fee philosophy but requires a quote for actual numbers.

Auth0: Is Auth0 independent or part of a larger company?

Auth0 was acquired by Okta in May 2021 for $6.5 billion. It now operates as a subsidiary business unit within Okta, but maintains its own brand and operations.

Source
Swan: Who regulates Swan?

France's ACPR (Autorite de Controle Prudentiel et de Resolution), as a licensed e-money institution.

Auth0: Who should use Auth0 vs Okta?

Auth0 is developer-focused and serves customer identity use cases (B2C). Okta serves workforce identity (B2B) and has broader enterprise features. Auth0 now serves both markets post-acquisition but maintains its developer-friendly positioning.

Source
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