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Fifth Third Bank

Also a provider — view Fifth Third Bank’s profile →

“Can a legacy regional bank become the dominant sponsor-bank and embedded finance infrastructure layer for fintechs and software platforms at scale?”

Founded1858
HQCincinnati, Ohio, US
IndustryBank / National
The story

Fifth Third is a 167-year-old national bank that has evolved from a traditional regional bank into a significant embedded finance infrastructure provider through its Newline platform. Rather than simply banking consumers and businesses directly, Fifth Third has leaned into becoming a sponsor bank and API infrastructure layer for fintechs and software platforms — most visibly through the 2024 Stripe Treasury partnership and the 2025 Brex commercial card deal. Newline grew fee revenue 53% in 2025, positioning the bank as one of the few legacy institutions successfully monetizing the embedded finance wave by sitting behind consumer-facing fintechs as the regulated balance sheet and rails provider.

Last 12 months
2024-07
2025-12
2026-04
Product timeline
1858
Founded as Bank of the Ohio Valley in Cincinnati, Ohio.· banking
1908
Fifth National Bank and Third National Bank merged, creating the 'Fifth Third' name.· banking
2020
Entered agreement with Empower Retirement for Empower to acquire Fifth Third's plan recordkeeping business for 476 retirement plans, with Fifth Third continuing investment advisory services.· acquisition
2022
Launched Newline by Fifth Third, an API-first embedded finance platform for payment, card, and deposit products.· banking
2024
Announced partnership with Stripe for Newline to power Stripe Treasury for platforms, making Fifth Third a bank partner in Stripe's Global Payments and Treasury Network.· banking
2025
Announced multi-year partnership with Brex for Fifth Third Commercial Card powered by Brex Embedded, unlocking $5.6B in commercial card volume.· card
2025
Newline embedded banking fee revenue grew 53% year-over-year, with new partnerships including Stripe, Trustly, ADP, and Corepay.· banking
Regulated entities
1
regulatory licence held by Fifth Third Bank
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Fifth Third Bank’s embedded-finance stack
Payments / PSP
WorldpayFifth Third Bank (self-operated acquirer / member bank for Stripe Visa/Mastercard)
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Payroll
in the full report
Accounting gap: minor
7 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.