An AISP (Account Information Service Provider) is a regulated entity that is licensed to access customers’ bank account data—such as balances and transactions—via open banking APIs, with the customer’s consent. AISPs do not hold or move money; they read data to power account aggregation, credit scoring, budgeting apps, and income verification.

In the EU and UK, AISPs operate under PSD2 and the UK Open Banking Standard and must be authorized or registered with the national competent authority (e.g. FCA in the UK). Banks are required to allow licensed AISPs to access accounts through dedicated APIs when the customer has given consent.

Many API aggregators (e.g. TrueLayer, Tink, Plaid, Yapily) act as intermediaries between AISPs and banks, offering a single integration to hundreds of banks. The Open Banking Tracker lists AISPs and aggregators by country and capability.