Which open banking aggregator covers the most banks?

Of the aggregators compared here, Plaid connects the most institutions (9,708 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 55 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, Token, +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...

55 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 (9,708). 36 of the 55 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.


Plaid	59	9,708	✓	✓	✓	✓	✓	✓	Sales-gated	Mixed	✓	92.22% (90d)	Enterprise / sales-led
Mastercard Open Banking (formerly Finicity)	6	4,352	✓	—	✓	—	—	✓	Sales-gated	Official API	✓	No public status page	Enterprise / sales-led
Lunch Flow	60	2,400	✓	—	—	—	—	✓	Partly public	Aggregator network	✓	No public status page	Enterprise / sales-led
BANKSapi	27	2,266	—	—	—	—	—	—	Sales-gated	—	—	99.05% (90d)	Not assessed
GoCardless	54	2,229	✓	✓	✓	✓	—	✓	Free tier	Official API	—	98.42% (90d)	Self-serve / startup
Synci	52	2,127	—	—	—	—	—	—	Sales-gated	—	—	Status page (link only)	Not assessed
Zenith	37	2,024	—	—	—	—	—	—	Sales-gated	—	—	No public status page	Not assessed
YAXI	40	1,921	✓	✓	✓	—	✓	—	Free tier	Mixed	—	No public status page	Enterprise / sales-led
Volt	50	1,668	✓	✓	✓	✓	—	✓	Sales-gated	Aggregator network	—	99.91% (90d)	Enterprise / sales-led
Salt Edge	73	1,586	✓	✓	—	✓	✓	✓	Sales-gated	Mixed	✓	Live status feed	Enterprise / sales-led
Tink	46	511	✓	✓	✓	—	✓	✓	Sales-gated	Official API	✓	97.62% (90d)	Enterprise / sales-led
Yapily	47	445	✓	✓	✓	✓	✓	✓	Sales-gated	Official API	✓	99.88% (90d)	Enterprise / sales-led
Wealthreader	51	229	—	—	—	—	—	—	Sales-gated	—	—	No public status page	Not assessed
Powens (formerly Budget Insight)	44	116	✓	✓	✓	—	—	✓	Sales-gated	Mixed	✓	No public status page	Enterprise / sales-led
enable:Banking	41	108	✓	✓	✓	—	—	✓	Partly public	Official API	—	No public status page	Enterprise / sales-led
Redbark	39	107	—	—	—	—	—	—	Sales-gated	—	—	Status page (link only)	Not assessed
Pluggy	10	99	✓	✓	✓	—	—	✓	Partly public	Mixed	✓	Status page (link only)	Enterprise / sales-led
Neonomics	41	98	✓	✓	✓	—	✓	✓	Partly public	Official API	✓	100.00% (90d)	Enterprise / sales-led
Bridge	62	82	✓	✓	✓	—	✓	✓	Sales-gated	Official API	✓	No public status page	Enterprise / sales-led
BankSync	39	78	✓	—	—	—	—	—	Published	Official API	✓	Status page (link only)	Enterprise / sales-led
Finexer	39	71	✓	✓	✓	✓	✓	✓	Published	Official API	✓	No public status page	Self-serve / startup
TrueLayer	64	70	✓	✓	✓	✓	✓	✓	Sales-gated	Official API	✓	100.00% (90d)	Enterprise / sales-led
Equens Worldline	31	70	✓	✓	—	—	✓	✓	Sales-gated	Official API	✓	No public status page	Enterprise / sales-led
Klarna	44	63	✓	✓	—	—	✓	✓	Sales-gated	Official API	✓	99.94% (90d)	Enterprise / sales-led
Fiskil	7	58	✓	✓	—	—	—	✓	Sales-gated	Official API	✓	No public status page	Enterprise / sales-led
Nordigen (acquired by GoCardless)	63	54	✓	—	—	—	✓	✓	Free tier	Official API	—	98.42% (90d)	Self-serve / startup
Ibanity	39	54	✓	✓	—	—	✓	✓	Free tier	Official API	✓	No public status page	Self-serve / startup
BankingSDK	39	50	✓	✓	—	—	✓	✓	Sales-gated	Mixed	—	No public status page	Enterprise / sales-led
Flinks	9	50	✓	✓	✓	—	—	✓	Sales-gated	Mixed	✓	100.00% (90d)	Enterprise / sales-led
Budget Insight	40	37	✓	✓	✓	—	✓	✓	Sales-gated	Official API	✓	No public status page	Enterprise / sales-led
Fena	36	36	✓	✓	—	✓	✓	✓	Sales-gated	Official API	—	No public status page	Enterprise / sales-led
Fintecture	62	34	✓	✓	✓	—	✓	✓	Sales-gated	Official API	—	No public status page	Enterprise / sales-led
Insurely	8	30	—	—	—	—	—	—	Sales-gated	—	—	Status page (link only)	Not assessed
Finverse	13	29	✓	✓	✓	—	—	✓	Published	Not disclosed	—	Status page (link only)	Self-serve / startup
Akahu	37	28	✓	✓	✓	—	—	✓	Published	Mixed	✓	No public status page	Self-serve / startup
Moneyhub Enterprise	40	27	✓	✓	✓	✓	✓	✓	Sales-gated	Mixed	✓	No public status page	Enterprise / sales-led
SnapTrade	3	25	—	—	—	—	—	✓	Free tier	Mixed	—	No public status page	Self-serve / startup
Mono (acquired by Flutterwave)	4	24	✓	✓	✓	—	—	✓	Sales-gated	Credential-based	✓	92.98% (90d)	Enterprise / sales-led
OpenWrks	37	21	—	—	✓	✓	—	—	Sales-gated	Official API	✓	No public status page	Enterprise / sales-led
open-banking.io	8	20	—	—	—	—	—	—	Sales-gated	—	—	No public status page	Not assessed
BanqUP	24	19	—	—	—	—	—	—	Partly public	Official API	—	No public status page	Enterprise / sales-led
Akoya	5	19	—	—	—	—	—	—	Sales-gated	—	—	No public status page	Not assessed
Belvo	4	18	✓	✓	✓	—	—	✓	Partly public	Mixed	✓	100.00% (90d)	Enterprise / sales-led
FriendlyScore	36	16	✓	✓	✓	✓	✓	—	Sales-gated	Official API	✓	No public status page	Enterprise / sales-led
Floid	3	16	✓	✓	✓	—	—	—	Sales-gated	Credential-based	—	Status page (link only)	Enterprise / sales-led
Token	26	14	✓	✓	✓	✓	✓	✓	Sales-gated	Official API	—	No public status page	Enterprise / sales-led
Enfuce	10	14	—	—	—	✓	—	—	Sales-gated	Not disclosed	—	Status page (link only)	Enterprise / sales-led
Banked	36	13	—	✓	—	✓	—	✓	Sales-gated	Not disclosed	—	99.78% (90d)	Enterprise / sales-led
Catego	3	13	—	—	—	—	—	—	Sales-gated	—	—	No public status page	Not assessed
Yolt Technology Serveces	12	12	—	—	—	—	—	—	Sales-gated	Not disclosed	—	No public status page	Enterprise / sales-led
Bizcuit	15	9	✓	✓	—	—	✓	✓	Sales-gated	Official API	—	No public status page	Enterprise / sales-led
Trio	6	5	✓	✓	—	—	—	—	Sales-gated	Not disclosed	—	No public status page	Enterprise / sales-led
Lean	5	5	✓	✓	✓	—	—	—	Sales-gated	Aggregator network	✓	Status page (link only)	Enterprise / sales-led
Fidel	36	3	—	—	—	—	—	✓	Partly public	Not disclosed	✓	Status page (link only)	Enterprise / sales-led
SIX bLink	8	1	✓	✓	✓	—	—	✓	Sales-gated	Official API	—	Status page (link only)	Enterprise / sales-led

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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Capabilities & licensing

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Headquarters	US	GB
Market focus	North America and Europe	Multi-region
Countries covered	60	64
Institutions tracked	9,708	70
Account data (AIS)	✓	✓
Payments (PIS)	✓	✓
Verification	✓	✓
Regulated	FCA, PSD2	FCA, Central Bank of Ireland, PSD2
Sandbox	✓	✓
Connection method	Mixed	Official API
Transaction enrichment	✓	✓
Status transparency	92.22% uptime (90d)	100.00% uptime (90d)
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	—	—
Enterprise vs. self-serve	Enterprise / sales-led	Enterprise / sales-led
Developer portal	✓	✓
Sources	9 sources plaid.com/products plaid.com/uk plaid.com/docs/sandbox register.fca.org.uk/s/firm status.plaid.com plaid.com/blog/api-progress-update plaid.com/docs/enrich plaid.com/products/enrich plaid.com/pricing	8 sources truelayer.com truelayer.com/legal docs.truelayer.com register.fca.org.uk/s/%20(E-Money%20Firms%20register%20export,%20FRN%20901096) status.truelayer.com truelayer.com/reports/buyers-guide/coverage docs.truelayer.com/docs/transaction-data-reference 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).