Sponsor bank tracked in the Embedded Finance Index. Named by 31 companies, most often as their sponsor bank.
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Payments & acquiring
Rank#13 of 199 in Sponsor Bank
Buyers31 companies
HeadquartersSan Francisco, California, USA
Founded1852
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How companies use Wells Fargo Bank
31 companies name Wells Fargo Bank in their stack. The most common role is sponsor bank (19). A company can use the same bank for more than one thing.
Background · from Wells Fargo Bank’s own dossier
Wells Fargo is a 173-year-old US money-center bank operating as its own OCC-chartered national bank across three legal entities. Rather than embedding third-party BaaS infrastructure, Wells Fargo is a provider of embedded finance itself — via its Developer Portal (open banking APIs, FX API, Payment Manager) and Retail Services private-label credit programs. Recent embedded-finance activity has focused on distributing its private-label credit through third-party platforms like ChargeAfter.
Latest round: Public (NYSE: WFC)
Recent developments
- 2026-09-01Named as a founding member (one of 21 international financial institutions, alongside Bank of America, Capital One, Citi, Fidelity Investments, Goldman Sachs, PNC, Scotiabank, TD Bank Group, WisdomTree, Banco Santander, Bbva, Commerzbank, Deutsche Bank, Lloyds, Rabobank, Ubs, Mufg, Sirius International Holding, Standard Bank and Crédit Agricole) of a new joint venture to issue a stablecoin — name not yet disclosed at announcement. Initial focus on a USD-denominated stablecoin, with EUR the priority for later expansion; targets wholesale, institutional and retail use cases including cross-border payments and digital-asset settlement. Go-to-market targeted for H1 2027. source ↗
Who uses Wells Fargo Bank
31 companies disclose Wells Fargo Bank in their stack
Buyer mix · 31 of 31 classified
Infrastructure / Payments · 10Fintech / Neobank · 2Fintech / Payments · 2Fintech / SMB banking · 2Bank / National · 1Fintech / Consumer banking · 1Fintech / Cross-border payments · 1Horizontal SaaS / HR & Payroll · 1
What the disclosures say
Datafi Payments“Wells Fargo Bank publicly lists Datafi Payments as a customer at bankingembedded.com/companies/datafi-payments (TIER 1 known_customer_listing).”
Fullpay“bankingembedded.com/companies/fullpay lists both Wells Fargo Bank and Pathward as publicly listing FullPay as a customer, indicating banking/BaaS relationships.”
Wells Fargo“Wellsfargo.com lists a full deposit product suite and cards issued by Wells Fargo Bank, N.A.; the Cash Sweep page names the three affiliated program banks (Wells Fargo Bank N.A., Wells Fargo National Bank West, Wells Fargo Bank South Central, N.A.).”
FitnessBI“ABC Fitness is a registered ISO of Wells Fargo Bank, N.A., Canadian Branch, Toronto, ON, Canada.' Indicates ABC operates its own merchant acquiring program via sponsor banks rather than integrating a third-party PSP.”
Banco Inter US“Inter compliance page: 'Banking services are provided by Community Federal Savings Bank, Member FDIC and deposits are held by CFSB and Wells Fargo Bank...”
Ebizcharge“Wells Fargo Bank and Wells Fargo Canada Branch are listed as banking partners via bankingembedded.com. https://ebizcharge.com/official-information-about-ebizcharge/, https://ebizcharge.com/, https://www.bankingembedded.com/companies/ebizcharge”
View source · ebizcharge.com ↗
The complete buyer list and each company’s full embedded-finance stack are in the
Embedded Finance Index report. Represent Wells Fargo Bank? Claim this profile above to unlock your own full list.
Sample distribution — illustrative only, not Wells Fargo Bank’s actual buyers.
🇺🇸 United States · 40🇬🇧 United Kingdom · 22🇩🇪 Germany · 14🇮🇳 India · 12🇫🇷 France · 9🇸🇬 Singapore · 7🇦🇺 Australia · 6🇧🇷 Brazil · 5+2 more
What Wells Fargo Bank runs on · from its own dossier
The third-party providers Wells Fargo Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Wells Fargo Bank.
Treasury ManagementWells Fargo National Bank WestWells Fargo Bank South CentralWells Fargo Advisors Bank Deposit SweepMoney Market Fund Sweep
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.
Share this rank
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<img src="https://www.embeddedfinanceindex.com/api/badge/wells-fargo-bank/install" width="1" height="1" alt="" style="display:none">Wells Fargo Bank — frequently asked
Which companies use Wells Fargo Bank?
31 companies are linked to Wells Fargo Bank in the Embedded Finance Index 2026, through their own public disclosures or Wells Fargo Bank's published customer list, including Usio, Datafi Payments, Fullpay, Wells Fargo, FitnessBI, Paymentclub, Banco Inter US, Epicor, Ebizcharge, Paysafe and 2 others.
What do fintechs use Wells Fargo Bank for?
Wells Fargo Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (19), banking-as-a-service (8) and payments & acquiring (8).
Who founded Wells Fargo Bank?
Wells Fargo Bank was founded by Henry Wells and William Fargo and is founded in 1852, headquartered in San Francisco, California, USA.
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