Many open banking API aggregators and banks offer sandbox or test environments so developers can build and test without touching live accounts. Aggregators that commonly offer sandboxes include TrueLayer, Tink, Yapily, Plaid, GoCardless, Token, Salt Edge, and others. National schemes (e.g. UK Open Banking) also provide test environments for bank APIs.

Sandboxes typically provide test credentials, mock accounts, and simulated flows for account information and payment initiation. This allows integration and compliance testing before going live. Availability and access (e.g. self-serve vs. request) vary by provider.

The Open Banking Tracker lists sandbox availability for API aggregators and for individual banks where we have the data. Use the API aggregators directory and filter or column for “Sandbox” to find providers that offer a sandbox.