Swile
“Can Swile become France's default employee-benefits and corporate-spending super app — owning the full loop from benefit issuance to payment infrastructure — and replicate that model in Brazil?”
Founded2018
HQMontpellier / Paris, France
FoundersLoïc Soubeyrand
Total raised$328.3M
IndustryVertical SaaS / HR & Employee Benefits
The story
Founded in 2018 as Lunchr, a pure-play digital meal-voucher issuer competing with Edenred and Sodexo. Rebranded as Swile in 2020 and extended the single smartcard to cover all French employee benefits (titres-resto, titres cadeaux, mobilité, culture). The 2022 acquisition of Bimpli transformed Swile into the market leader with 5.5M users. The company is now positioning itself as a full employee-engagement 'super app', layering corporate travel management and SEPA-native payment infrastructure onto its benefits core.
Last 12 months
2026-01
Product timeline
2018
Founded as Lunchr SAS, launching a digital meal-voucher card and app for French employees.· card
2020
Rebranded from Lunchr to Swile; expanded from meal vouchers into gift vouchers, mobility vouchers, and cultural vouchers on a single Smartcard.· pivot
2022
Acquired Bimpli (Natixis Intertitres) adding ~4M users and significantly expanding the affiliates network; became the leading meal-voucher issuer in France.· acquisition
2023
Launched Swile Travel, a corporate travel booking product integrated into the Swile app, eliminating expense reports for business trips.· banking
2024
Migrated payment infrastructure to Mambu for IBAN-based payment capabilities, internalising SEPA indirect participation and replacing legacy card-processing BINs.· banking
2026
Migrated cardholders from old BINs (534578/554097) to new-generation Swile cards, switching technical card provider.· card
Regulated entities
1
regulatory licence held by Swile
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
Same company
Swile was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
5 layers disclosed in Swile’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Ledger
in the full report
Accounting gap: minor
4 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.