Banking Circle
A next generation bank, powered by the latest technology
1126 employees · est. 2013 · Luxembourg, Luxembourg
Token.io
The leading Pay by Bank infrastructure for banks, payment companies and platforms in the UK and Europe.
102 employees · est. 2015 · London, United Kingdom
Banking Circle is the older company (2013 vs 2015); Banking Circle is the larger of the two.
Side-by-Side Comparison
| Metric | Banking Circle | Token.io |
|---|---|---|
| Founded | ||
| Founded | 2013 older | 2015 |
| Headquarters | ||
| Headquarters | Luxembourg, Luxembourg | London, United Kingdom |
| Employees | ||
| Employees | 1126 larger | 102 |
| Industry | ||
| Industry | B2B, Financial Services, Fintech | Financial Services, Fintech, Payments |
| Funding Stage | ||
| Funding Stage | Acquired | Series Unknown |
| Total Funding | ||
| Total Funding | $300.00M | $90.00M |
| Funding Rounds | ||
| Funding Rounds | 1 | 6 |
| Services | ||
| Services | Global Payments and Accounts, Foreign Exchange, Deposits, Agency Banking, Correspondent Banking, API Hub | Industry-leading Pay by Bank solutions, One-click, recurring and automated bank payments, Real-time payouts and withdrawals, Data solutions for smarter payments |
| Target Customers | ||
| Target Customers | Payment Businesses, Banks, Investment Funds, Account Providers, Cross-Border Payment Providers | Banks, Merchants, Fintech companies, Ecommerce platforms, Crypto platforms, iGaming companies |
| Taxonomy | ||
| Taxonomy | Next-Generation Banking, Financial Technology, Instant Payment Schemes, Cross-Border Payments, Multi-Currency Transactions, Banking Services Infrastructure, Super-Correspondent Banking Network, Global Banking Solutions, B2B Payments, Business Lending, Financial Services Infrastructure, Local Clearing System, Forex Services, Payments Solutions, Fintech Innovation | Pay By Bank, Open Banking, A2A Payments, Payment Infrastructure, API Connectivity, Payment Initiation, Account Aggregation, PSD2, Payment Solutions, Instant Payments, Recurring Payments, Bank API, Open Banking API, Payment Conversion |
| Website | ||
| Website | bankingcircle.com | token.io |
About Banking Circle
Banking Circle, founded in 2013, is positioned as a transformative player in the fintech space with its slogan, "A next generation bank, powered by the latest technology." Headquartered in Luxembourg and operating under the regulatory oversight of the Commission de Surveillance du Secteur Financier...
About Token.io
Token.io, founded in 2015, stands at the forefront of Pay by Bank infrastructure, serving as a critical bridge for banks, payment companies, and platforms across the UK and Europe. The company's infrastructure offers an unparalleled opportunity for clients to enhance revenue streams, reduce operatio...
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Funding, hiring, leadership and stack changes at Banking Circle and Token.io — by email.
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Compiled from the BounceWatch company index. We last looked at Banking Circle on 28 May 2026, and Token.io on 26 Aug 2026. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.