Which open banking aggregator covers the most banks?

Of the aggregators compared here, Plaid connects the most institutions (9,706 tracked in this directory), and Salt Edge has the widest country coverage (73 markets). Coverage varies by product and market, so confirm your specific target banks in each provider's sandbox.

Which open banking aggregators support payment initiation (pay by bank)?

36 of the 46 aggregators compared offer payment initiation (PIS): Plaid, GoCardless, YAXI, Volt, Salt Edge, Tink, Yapily, Powens (formerly Budget Insight), enable:Banking, Pluggy, Neonomics, Bridge, +24 more. Account-data-only providers can be paired with a PIS-licensed provider where payments are needed.

Which open banking aggregators are FCA-authorised?

Plaid, GoCardless, Volt, Salt Edge, Yapily, Finexer, TrueLayer, Fena, Moneyhub Enterprise, OpenWrks, FriendlyScore, Enfuce, +2 more hold FCA authorisation for the UK. EU coverage is typically provided under a PSD2 licence held in an EU member state. Verify current status on the FCA register.

Is there a free open banking aggregator?

GoCardless, YAXI, Nordigen (acquired by GoCardless), Ibanity, SnapTrade offer a free production tier for some products (typically account data / AIS). Most other providers are sales-gated. A free developer sandbox is common for testing even where production is paid.

How should I compare open banking API aggregators?

Compare on five dimensions: (1) bank coverage in your target markets, (2) whether you need account data (AIS), payments (PIS), or both, (3) regulatory licences (FCA / PSD2), (4) pricing model and free-tier availability, and (5) developer experience (sandbox parity, docs). Treat headline institution counts as indicative and validate your actual target banks in each provider's sandbox.

Compare Open Banking API Aggregators (2026): 120...

46 leading open banking API aggregators compared on verified bank coverage, supported markets, capabilities (account data/AIS, payments/PIS, verification), regulatory licences, and pricing model. Salt Edge has the widest market coverage (73 countries of bank connectivity), while Plaid connects the most individual institutions (9,706). 36 of the 46 support payment initiation (pay by bank) and 14 hold FCA authorisation for the UK. Pricing is mostly sales-gated; GoCardless, YAXI, Nordigen (acquired by GoCardless), Ibanity, SnapTrade offer a free production tier for some products.

Open banking aggregators compared

Every provider in the comparison set, scored on bank coverage, markets, capabilities, licences, and pricing model. Use the interactive tool below for a 2–3 provider deep-dive.

Aggregator	Markets	Banks tracked	AIS	PIS	Verification	FCA	PSD2	Sandbox	Pricing
Plaid	59	9,706	✓	✓	✓	✓	✓	✓	Sales-gated
Lunch Flow	60	2,400	✓	—	—	—	—	✓	Partly public
GoCardless	54	2,228	✓	✓	✓	✓	—	✓	Free tier
YAXI	40	1,921	✓	✓	✓	—	✓	—	Free tier
Volt	50	1,668	✓	✓	✓	✓	—	✓	Sales-gated
Salt Edge	73	1,586	✓	✓	—	✓	✓	✓	Sales-gated
Tink	46	511	✓	✓	✓	—	✓	✓	Sales-gated
Yapily	47	445	✓	✓	✓	✓	✓	✓	Sales-gated
Powens (formerly Budget Insight)	44	116	✓	✓	✓	—	—	✓	Sales-gated
enable:Banking	41	108	✓	✓	✓	—	—	✓	Partly public
Pluggy	10	99	✓	✓	✓	—	—	✓	Partly public
Neonomics	41	98	✓	✓	✓	—	✓	✓	Partly public
Bridge	62	82	✓	✓	✓	—	✓	✓	Sales-gated
BankSync	39	78	✓	—	—	—	—	—	Published
Finexer	39	71	✓	✓	✓	✓	✓	✓	Published
TrueLayer	64	70	✓	✓	✓	✓	✓	✓	Sales-gated
Equens Worldline	31	70	✓	✓	—	—	✓	✓	Sales-gated
Klarna	44	63	✓	✓	—	—	✓	✓	Sales-gated
Nordigen (acquired by GoCardless)	63	54	✓	—	—	—	✓	✓	Free tier
Ibanity	39	54	✓	✓	—	—	✓	✓	Free tier
BankingSDK	39	50	✓	✓	—	—	✓	✓	Sales-gated
Flinks	9	50	✓	✓	✓	—	—	✓	Sales-gated
Budget Insight	40	37	✓	✓	✓	—	✓	✓	Sales-gated
Fena	36	36	✓	✓	—	✓	✓	✓	Sales-gated
Fintecture	62	34	✓	✓	✓	—	✓	✓	Sales-gated
Finverse	13	29	✓	✓	✓	—	—	✓	Published
Akahu	37	28	✓	✓	✓	—	—	✓	Published
Moneyhub Enterprise	40	26	✓	✓	✓	✓	✓	✓	Sales-gated
SnapTrade	3	25	—	—	—	—	—	✓	Free tier
Mono (acquired by Flutterwave)	4	24	✓	✓	✓	—	—	✓	Sales-gated
OpenWrks	37	21	✓	—	✓	✓	✓	—	Sales-gated
BanqUP	24	19	—	—	—	—	—	—	Partly public
Belvo	4	18	✓	✓	✓	—	—	✓	Partly public
Fiskil	6	17	✓	✓	—	—	—	✓	Sales-gated
FriendlyScore	36	16	✓	✓	✓	✓	✓	—	Sales-gated
Floid	3	16	✓	✓	✓	—	—	—	Sales-gated
Enfuce	10	14	—	—	—	✓	—	—	Sales-gated
Banked	36	13	—	✓	—	✓	—	✓	Sales-gated
Token	26	13	✓	✓	✓	✓	✓	✓	Sales-gated
Yolt Technology Serveces	12	12	—	—	—	—	—	—	Sales-gated
Bizcuit	15	9	✓	✓	—	—	✓	✓	Sales-gated
Trio	6	5	✓	✓	—	—	—	—	Sales-gated
Lean	5	5	✓	✓	✓	—	—	—	Sales-gated
Fidel	36	3	—	—	—	—	—	✓	Partly public
Finicity	2	2	✓	—	✓	—	—	✓	Sales-gated
SIX bLink	8	1	✓	✓	✓	—	—	✓	Sales-gated

Coverage from the verified Open Banking Tracker bank index; capabilities, licences, and pricing model researched from each vendor's primary sources. Headline institution counts are indicative — validate your specific target banks in each provider's sandbox.

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Headquarters	US	GB
Market focus	North America and Europe	Multi-region
Countries covered	60	64
Institutions tracked	9,706	70
Account data (AIS)	✓	✓
Payments (PIS)	✓	✓
Verification	✓	✓
Regulated	FCA, PSD2	FCA, Central Bank of Ireland, PSD2
Sandbox	✓	✓
Pricing model	Usage-based: per-connected-account + per-request; Pay-as-you-go / Growth / Customsales-gated	Custom / enterprise quote; payments priced per transactionsales-gated
Free production tier	—	—
Developer portal	✓	✓
Sources	4 sources plaid.com/products plaid.com/uk plaid.com/docs/sandbox plaid.com/pricing	4 sources truelayer.com truelayer.com/legal docs.truelayer.com truelayer.com/pricing
Shared markets	2 providers connect to banks in 50 shared markets (AE, AL, AT, AU, BD, BE, BG, BR, CA, CH, CY, CZ, +38 more).
Unique markets	Plaid reaches 9 TrueLayer doesn't (AD, AZ, BS, EG, GM, GU, KM, MM, NG); TrueLayer reaches 14 Plaid doesn't (CN, CO, ID, IN, JP, KR, LK, MA, MX, MY, +4 more).