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Cybersecurity · head to head

Signicat vs Sumsub

Signicat logo

Signicat

Cybersecurity

European digital identity hub connecting national eID schemes

From
On request
Rated
-
Full reviewWebsite
Sumsub logo

Sumsub

Cybersecurity

Identity verification and AML screening priced per verification

From
$1.35/verification
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Sumsub the published per-verification rate is undercut by a monthly minimum of 149 or 299 dollars, so low volume businesses pay a much higher effective rate than the headline suggests.
  • They diverge on capability: Signicat covers eID scheme brokering, Sumsub covers KYB verification.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Signicat and Sumsub actually diverge.

Attributes where Signicat and Sumsub differ
AttributeSignicatSumsub
Starting priceOn request$1.35/verification
Pricing modelquotePer verification

Identical on both: free tier (No), platforms (Web, iOS, Android), 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 Signicat

  • eID scheme brokering
  • Qualified electronic signatures
  • Authentication
  • Digital onboarding flows
  • eIDAS compliance

Only in Sumsub

  • KYB verification
  • No-code flow builder
  • Transaction monitoring
  • Travel Rule
  • Fraud and duplicate detection

Both cover

  • Document verification
  • AML screening

What people use each for

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

Signicat

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

Sumsub

  • A crypto exchange needing KYC plus Travel Rule handling under one contractnot Signicat
  • A gambling operator entering several European markets and needing document coverage without a separate vendor per countrynot Signicat
  • A fintech that wants a published price it can model in a business case before speaking to a salespersonnot Signicat
  • A marketplace verifying both individual sellers and the companies behind them without buying two productsnot Signicat

Where each one falls short

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

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.

Sumsub

  • The published per-verification rate is undercut by a monthly minimum of 149 or 299 dollars, so low volume businesses pay a much higher effective rate than the headline suggests.
  • You are billed per verification attempt in most configurations, meaning applicant drop-off and resubmissions cost money without producing a customer.
  • Pass rates and document support vary noticeably by country, and a market that works well in Europe can produce materially worse rejection rates in parts of Africa and South East Asia.
  • The AML screening tier bundles list coverage that large institutions would normally buy separately and tune, giving less control over match thresholds than a dedicated screening vendor.
  • The company originated in Russia before restructuring to a UK entity, and some financial institutions still raise that history in vendor risk review, which can slow or block procurement at conservative banks.

Pricing, plan by plan

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

Sumsub

$1.35/verification
  • Basic$1.35/verification
    • 149 USD minimum monthly spend
    • Document verification and liveness
    • No-code flow builder
  • Compliance$1.85/verification
    • 299 USD minimum monthly spend
    • Everything in Basic
    • AML sanctions and PEP screening
  • Enterprise$undefined/year
    • Negotiated volume rate
    • Custom jurisdictions and languages
    • Dedicated support

Which should you pick?

Choose Signicat if

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

Choose Sumsub if

  • You need kyb verification.
  • You work on Web, iOS, Android.
  • You also want no-code flow builder.
Sumsub review

Questions people ask

Is Signicat or Sumsub better?
Neither clearly leads. Signicat starts at On request and Sumsub at $1.35/verification, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Signicat or Sumsub?
Signicat starts at On request and Sumsub at $1.35/verification.
Does Signicat or Sumsub run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Signicat best used for?
Signicat is most often used for a lender expanding from norway into sweden, denmark and the netherlands without four separate eid integrations, an insurer needing eidas qualified signatures on policy documents that will hold up in a european court, a bank that wants customers to onboard with their existing national bank id rather than photographing a passport, a public sector body needing cross-border recognition of notified eid schemes under eidas. Of those, a lender expanding from norway into sweden, denmark and the netherlands without four separate eid integrations and an insurer needing eidas qualified signatures on policy documents that will hold up in a european court are not what Sumsub is typically brought in for.
What can Signicat do that Sumsub cannot?
Signicat covers eID scheme brokering, Qualified electronic signatures, Authentication, Digital onboarding flows. Sumsub covers KYB verification, No-code flow builder, Transaction monitoring, Travel Rule. Both handle Document verification, AML screening.

Answered from the vendors’ own pages

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.

Sumsub: What does a verification actually cost?

1.35 USD on Basic and 1.85 USD on Compliance, but with 149 and 299 USD monthly minimums respectively. Below roughly 110 or 160 checks a month you are paying the minimum, not the rate.

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.

Sumsub: Do failed verifications get charged?

Attempts are generally billable, so a poor onboarding funnel raises your bill. Confirm the exact resubmission policy in your contract.

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.

Sumsub: Does it cover business verification?

Yes, KYB with company registry lookups and beneficial owner resolution is part of the platform rather than a separate product.

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