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Automation Integration · head to head

Integromat vs Swan

Integromat logo

Integromat

Automation Integration

Automate your workflow

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 Integromat has a free tier, so it costs nothing to try first.
  • Each has a real cost: Integromat the free plan enforces a 15 minute minimum interval between runs, so nothing near real time is possible without paying; 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: Integromat covers Visual workflow builder, Swan covers Embedded business accounts.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Integromat and Swan actually diverge.

Attributes where Integromat and Swan differ
AttributeIntegromatSwan
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
CategoryAutomation IntegrationAPIs
Founded2013Unknown

Identical on both: platforms (Web, Api), 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 Integromat

  • Visual workflow builder
  • Webhooks
  • Data transformation
  • Error handling
  • Conditional logic
  • Scheduling
  • Team collaboration
  • 1000+ apps

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.

Integromat

  • workflow automationnot Swan
  • integration between appsnot Swan
  • task automationnot Swan

Swan

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

Where each one falls short

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

Integromat

  • The free plan enforces a 15 minute minimum interval between runs, so nothing near real time is possible without paying
  • Free is limited to 2 active scenarios, a 5 MB file size and 7 days of execution logs
  • Billing is per credit where each module action counts as one, so a scenario with many steps consumes credits far faster than its run count suggests
  • Make API access requires a paid plan
  • Priority execution and full text log search are Pro features
  • Overage protection is Enterprise only, so cheaper plans can run up charges

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

Integromat

Free
  • FreeFree
    • 1000 credits monthly
    • basic workflow builder
    • access to 3000+ apps
  • Core$9/month
    • 10k credits
    • unlimited active scenarios
    • scheduled scenarios down to the minute
  • Pro$16/month
    • 10k credits
    • priority execution
    • custom variables
  • Teams$29/month
    • 10k credits
    • team collaboration
    • team roles

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 Integromat if

  • You need visual workflow builder.
  • You want to start without paying.
  • You work on Web, Api.
  • You also want webhooks.
Integromat 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 Integromat or Swan better?
Neither clearly leads. Integromat 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, Integromat or Swan?
Integromat has a free tier; the other does not. Paid plans start at Free for Integromat and On request for Swan.
Does Integromat or Swan run on more platforms?
Integromat runs on Web, Api. Swan runs on Web, API.
Can I use Integromat for free?
Yes. Integromat has a free tier, so you can try it without paying. Swan starts at On request.
What is Integromat best used for?
Integromat is most often used for workflow automation, integration between apps, task automation. Of those, workflow automation and integration between apps are not what Swan is typically brought in for.
What can Integromat do that Swan cannot?
Integromat covers Visual workflow builder, Webhooks, Data transformation, Error handling. Swan covers Embedded business accounts, Card issuing, SEPA payments, Local account localisation.

Answered from the vendors’ own pages

Integromat: What is the free tier for Make?

Make's free tier provides 1,000 credits monthly, access to 3,000+ apps, a basic no-code workflow builder, and a 15-minute minimum interval between scenario runs.

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

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

Integromat: Can I save money with annual billing on Make?

Yes, Make offers 15% or more savings when paying annually instead of monthly billing.

Source
Swan: Is pricing published?

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

Integromat: How does Make's credit system work?

Each module action in Make consumes credits, with most basic actions using one credit per execution. Credits expire monthly for monthly plans or annually for yearly subscriptions.

Source
Swan: Who regulates Swan?

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

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