Hypothekarbank Lenzburg
ProviderEmbedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 4 categories.
CategoriesBaaS, Card Issuing, Sponsor Bank, PSP
Rank#95 of 199 in Sponsor Bank
Buyers2 companies
HeadquartersLenzburg, Aargau, Switzerland
Founded1868
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Founders & story · 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 ↗
Who uses Hypothekarbank Lenzburg
2 companies disclose Hypothekarbank Lenzburg in their stack
Buyer mix · 2 of 2 classified
Fintech / Neobank · 1Infrastructure / Payments · 1
The complete buyer list and each company’s full embedded-finance stack are in the
Embedded Finance Index report. Represent Hypothekarbank Lenzburg? Claim this profile above to unlock your own full list.
Sample distribution — illustrative only, not Hypothekarbank Lenzburg’s actual buyers.
🇺🇸 United States · 40🇬🇧 United Kingdom · 22🇩🇪 Germany · 14🇮🇳 India · 12🇫🇷 France · 9🇸🇬 Singapore · 7🇦🇺 Australia · 6🇧🇷 Brazil · 5+2 more
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.
Alternatives to Hypothekarbank Lenzburg
Other Sponsor Bank providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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