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Cybersecurity · head to head

Fenergo vs Signicat

Fenergo logo

Fenergo

Cybersecurity

Client lifecycle management and KYC onboarding for regulated financial institutions

From
On request
Rated
-
Full reviewWebsite
Signicat logo

Signicat

Cybersecurity

European digital identity hub connecting national eID schemes

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Fenergo implementations commonly run twelve to twenty-four months and depend on a systems integrator, so the services cost frequently exceeds the software subscription in year one.; Signicat national eID scheme fees are passed through on top of Signicat's own charge, so a single-country business almost always pays less by integrating with the scheme directly.
  • They diverge on capability: Fenergo covers Regulatory rules library, Signicat covers eID scheme brokering.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fenergo and Signicat actually diverge.

Attributes where Fenergo and Signicat differ
AttributeFenergoSignicat
PlatformsWebWeb, iOS, Android

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (Cybersecurity).

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 Fenergo

  • Regulatory rules library
  • Digital onboarding
  • Perpetual KYC
  • Entity data model
  • Screening orchestration
  • Case management

Only in Signicat

  • eID scheme brokering
  • Qualified electronic signatures
  • Document verification
  • AML screening
  • Authentication
  • Digital onboarding flows
  • eIDAS compliance

What people use each for

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

Fenergo

  • A bank operating in twenty jurisdictions that cannot keep local KYC requirements current across separate regional teamsnot Signicat
  • A custodian moving from calendar-based periodic review to event-driven perpetual KYC to cut analyst headcountnot Signicat
  • An asset manager onboarding funds and trusts where the ownership hierarchy defeats generic identity verification toolsnot Signicat
  • A payments institution facing a regulatory remediation order and needing a defensible audit trail of every client reviewnot Signicat

Signicat

  • A lender expanding from Norway into Sweden, Denmark and the Netherlands without four separate eID integrationsnot Fenergo
  • An insurer needing eIDAS qualified signatures on policy documents that will hold up in a European courtnot Fenergo
  • A bank that wants customers to onboard with their existing national bank ID rather than photographing a passportnot Fenergo
  • A public sector body needing cross-border recognition of notified eID schemes under eIDASnot Fenergo

Where each one falls short

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

Fenergo

  • Implementations commonly run twelve to twenty-four months and depend on a systems integrator, so the services cost frequently exceeds the software subscription in year one.
  • It orchestrates screening but does not supply the sanctions, PEP or adverse media data, so you still buy Dow Jones, LexisNexis or World-Check separately and those fees are per screened entity.
  • The entry price is set for institutions with large onboarding volumes, which puts it out of reach of smaller banks and fintechs that would otherwise benefit from the rules library.
  • Configuration is deep and specific, which makes upgrades between major versions a project rather than a patch, and some customers stay on old releases for years.
  • The rules library covers regulatory requirements, not your internal risk appetite, so the policy tuning that determines whether onboarding actually gets faster remains your work.

Signicat

  • National eID scheme fees are passed through on top of Signicat's own charge, so a single-country business almost always pays less by integrating with the scheme directly.
  • Value is concentrated in Northern and Western Europe, and coverage in Southern and Eastern Europe is thinner, so a pan-European rollout still hits gaps requiring document fallback.
  • Pricing is per transaction and quoted, and because scheme rates vary by country the cost per onboarded customer differs materially between markets in ways that complicate unit economics.
  • Each eID scheme connection typically carries its own setup fee and approval process, so adding a country is a project with a lead time rather than a configuration change.
  • Availability is tied to the national schemes, meaning an outage at BankID or MitID stops your onboarding entirely and there is no vendor-side mitigation for it.

Pricing, plan by plan

Fenergo

On request
  • Fenergo Client Lifecycle Management$undefined/year
    • Priced by institution size, jurisdictions in scope and modules licensed
    • Regulatory rules content subscription bundled into the annual fee
    • Implementation delivered by Fenergo or a systems integrator and quoted separately

Signicat

On request
  • Signicat Platform$undefined/year
    • Priced per transaction with national scheme fees passed through
    • Signature and verification products licensed separately
    • Setup fee per eID scheme connected

Which should you pick?

Choose Fenergo if

  • You need regulatory rules library.
  • You also want digital onboarding.
Fenergo review

Choose Signicat if

  • You need eid scheme brokering.
  • You work on Web, iOS, Android.
  • You also want qualified electronic signatures.
Signicat review

Questions people ask

Is Fenergo or Signicat better?
Neither clearly leads. Fenergo starts at On request and Signicat at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fenergo or Signicat?
Fenergo starts at On request and Signicat at On request.
Does Fenergo or Signicat run on more platforms?
Fenergo runs on Web. Signicat runs on Web, iOS, Android.
What is Fenergo best used for?
Fenergo is most often used for a bank operating in twenty jurisdictions that cannot keep local kyc requirements current across separate regional teams, a custodian moving from calendar-based periodic review to event-driven perpetual kyc to cut analyst headcount, an asset manager onboarding funds and trusts where the ownership hierarchy defeats generic identity verification tools, a payments institution facing a regulatory remediation order and needing a defensible audit trail of every client review. Of those, a bank operating in twenty jurisdictions that cannot keep local kyc requirements current across separate regional teams and a custodian moving from calendar-based periodic review to event-driven perpetual kyc to cut analyst headcount are not what Signicat is typically brought in for.
What can Fenergo do that Signicat cannot?
Fenergo covers Regulatory rules library, Digital onboarding, Perpetual KYC, Entity data model. Signicat covers eID scheme brokering, Qualified electronic signatures, Document verification, AML screening.

Answered from the vendors’ own pages

Fenergo: Does Fenergo do the sanctions screening itself?

No. It orchestrates calls to third-party data providers such as Dow Jones and World-Check, and those subscriptions are additional and usually charged per screened entity.

Signicat: Is this an alternative to a document verification vendor?

Only where national eID exists. In markets with a mature bank ID scheme it is better; elsewhere you fall back to document checks, which Signicat also provides.

Fenergo: Is it SaaS or on-premises?

Both. The SaaS offering runs on Microsoft Azure with regional deployment options, which matters where data residency rules prohibit client data leaving the jurisdiction.

Signicat: Do we still pay the eID schemes?

Yes. Scheme fees are passed through in addition to Signicat charges. Ask for the split when comparing to a direct integration.

Fenergo: How long does a deployment take?

Plan for a year at minimum for a multi-jurisdiction rollout. Single-jurisdiction deployments with a narrow product set can be shorter but rarely under six months.

Signicat: Are signatures legally qualified?

Signicat supports eIDAS qualified electronic signatures, which carry the highest legal standing in the EU, as well as advanced signatures.

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