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Hypothekarbank Lenzburg

Sponsor bank
BaaSCard IssuingSponsor BankPSP

Sponsor bank tracked in the Embedded Finance Index. Named by 2 companies, most often as their sponsor bank.

hypothekarbanklenzburg.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Card issuer
Rank#99 of 199 in Sponsor Bank
Buyers2 companies
HeadquartersLenzburg, Aargau, Switzerland
Founded1868

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How companies use Hypothekarbank Lenzburg

2 companies name Hypothekarbank Lenzburg in their stack. The most common role is sponsor bank (2). A company can use the same bank for more than one thing.

Sponsor bank2
Banking-as-a-Service1
Card issuer1
Payments & acquiring1
Background · from Hypothekarbank Lenzburg’s own dossier

Founded in 1868 as a regional Swiss mortgage bank, Hypothekarbank Lenzburg ('Hypi') began a deliberate pivot toward digital and open banking in 2017 by opening its Finstar core banking system via API — an unusual move for a community bank of its size. From 2018 onward it built a BaaS business, most visibly as the regulated banking backbone behind Swiss neobank neon (250,000+ customers, CHF 1.4B in deposits by end-2025). In 2023 it formalised this direction under the HBL Solutions brand, and in 2024 accelerated by acquiring Swiss Bankers Prepaid Services AG and spinning off Finstar as a separate technology subsidiary — transforming from a local retail bank into a vertically integrated embedded finance and BaaS provider targeting Swiss and European non-bank partners.

Latest round: Post-IPO Equity (1995)
Recent developments
  • 2024-08Hypothekarbank Lenzburg announced and signed the acquisition of 100% of Swiss Bankers Prepaid Services AG to build a leading BaaS and embedded finance offering. source ↗
  • 2024-12Updated general terms and conditions effective 1 January 2025, including provisions for instant payments and the planned Finstar spin-off into a standalone subsidiary. source ↗
  • 2025-09Reported as one of Europe's most active embedded finance adopters among regional banks, expanding European partnerships through HBL Solutions and the Swiss Bankers acquisition. source ↗
  • 2025-12neon and Hypothekarbank Lenzburg extended their BaaS partnership to develop instant payments; neon deposits on Finstar reached CHF 1.4B with CHF 445M in custody assets. source ↗
Full dossier: Hypothekarbank Lenzburg’s own stack, layer by layer →
Who uses Hypothekarbank Lenzburg
2 companies disclose Hypothekarbank Lenzburg in their stack
Download “Built on Hypothekarbank Lenzburg” image ↓
Neon SwitzerlandBarzahlen
Buyer mix · 2 of 2 classified
Fintech / Neobank · 1Infrastructure / Payments · 1
EU · 2
What the disclosures say
Neon Switzerland
“Card acceptance runs on Mastercard scheme via issuer Hypothekarbank Lenzburg.”
Barzahlen
“In Switzerland, the SBB will accept the amount for viacash on behalf of and for the account of Hypothekarbank Lenzburg AG.' Company is itself the payment infrastructure operator (viafintech GmbH).”
The complete buyer list is not published on this page. Get the monthly recap for new Hypothekarbank Lenzburg customers as they are disclosed. Represent Hypothekarbank Lenzburg? Claim this profile above to unlock your own full list.
Where Hypothekarbank Lenzburg’s buyers are
2 countries with a disclosed buyer HQ
2 classified buyers, shaded by concentration — heaviest in 🇨🇭 Switzerland (1). HQ country, not where Hypothekarbank Lenzburg operates.
Fewer
MoreNo disclosed HQ
🇨🇭 Switzerland · 1🇩🇪 Germany · 1
New Hypothekarbank Lenzburg customers land in the monthly recap.
What Hypothekarbank Lenzburg runs on · from its own dossier
The third-party providers Hypothekarbank Lenzburg itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Hypothekarbank Lenzburg.
Ledger
Finstar
FX / Payouts
Wise Platform
Open Banking
Qwist
Full dossier with evidence for each layer →
Other banks in Sponsor Bank

Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust100 buyers →Sutton Bank64 buyers →Cross River63 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →Lead Bank25 buyers →
Share this rank

An embeddable badge for Hypothekarbank Lenzburg’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #99 of 199 in Sponsor Bank — Embedded Finance Index 2026
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Hypothekarbank Lenzburg — frequently asked

Which companies use Hypothekarbank Lenzburg?

2 companies are linked to Hypothekarbank Lenzburg in the Embedded Finance Index 2026, through their own public disclosures or Hypothekarbank Lenzburg's published customer list, including Neon Switzerland and Barzahlen.

What do fintechs use Hypothekarbank Lenzburg for?

Hypothekarbank Lenzburg is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (2), banking-as-a-service (1) and card issuer (1).

What are the alternatives to Hypothekarbank Lenzburg?

The most-named Sponsor Bank alternatives to Hypothekarbank Lenzburg are Evolve Bank & Trust (100 buyers), Sutton Bank (64 buyers), Cross River (63 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Where is Hypothekarbank Lenzburg headquartered?

Hypothekarbank Lenzburg is founded in 1868 and headquartered in Lenzburg, Aargau, Switzerland.

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