Finicity vs Pluggy: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Pluggy has the broader connectivity footprint (10 vs 2 countries of bank coverage), and they overlap on 2 shared markets. Finicity is headquartered in US, while Pluggy is based in BR.
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Finicity vs Pluggy at a glance
| Finicity | Pluggy | |
|---|---|---|
| Headquarters | US | BR |
| Market focus | Multi-region | Multi-region |
| Countries covered | 2 | 10 |
| Institutions tracked | 2 | 99 |
| Account data (AIS) | ||
| Payments (PIS) | — | |
| Verification | ||
| Regulated | US | Open Finance Brasil, Banco Central do Brasil (ITP) |
| Sandbox | ||
| Pricing model | Custom / enterprise quote | Subscription (Basic from R$2,500/mo) + custom enterprise |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Finicity | View Pluggy |
Finicity vs Pluggy: bank coverage overlap
Finicity and Pluggy share 2 markets where both connect to banks. Finicity additionally reaches 0 markets Pluggy does not, while Pluggy reaches 8 markets Finicity does not (BR, CH, CW, DE, ES, PL, PT, RU).
Coverage figures are derived from verified per-bank connectivity data tracked on Open Banking Tracker, not provider marketing claims. See the coverage explorer for the full breakdown by continent.
Choose Finicity if…
- you prefer a provider headquartered in the United States
Choose Pluggy if…
- you need the widest country coverage (10 markets)
- you want the largest number of connected institutions (99)
- you prefer a provider headquartered in Brazil
Frequently asked questions
What is the difference between Finicity and Pluggy?
Finicity vs Pluggy: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Pluggy has the broader connectivity footprint (10 vs 2 countries of bank coverage), and they overlap on 2 shared markets. Finicity is headquartered in US, while Pluggy is based in BR.
Which has wider bank coverage, Finicity or Pluggy?
Pluggy has wider coverage, reaching 10 countries versus 2 for Finicity. They overlap on 2 shared markets.
Can I use both Finicity and Pluggy?
Yes. Many teams use more than one open banking aggregator — for example one for its strongest region and another for fallback coverage or specific institutions. Both Finicity and Pluggy expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.