GoCardless vs Salt Edge: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Salt Edge has the broader connectivity footprint (73 vs 54 countries of bank coverage), and they overlap on 51 shared markets. GoCardless is headquartered in GB, while Salt Edge is based in ES.
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GoCardless vs Salt Edge at a glance
| GoCardless | Salt Edge | |
|---|---|---|
| Headquarters | GB | ES |
| Market focus | Multi-region | Multi-region |
| Countries covered | 54 | 73 |
| Institutions tracked | 2,228 | 1,586 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | — | |
| Regulated | FCA | FCA, PSD2 AISP |
| Sandbox | ||
| Pricing model | Payments: pay-as-you-go per transaction (published); Bank Account Data: freemium (free AIS) | Custom / enterprise quote |
| Free production tier | — | |
| Developer portal | ||
| Sources | ||
| View GoCardless | View Salt Edge |
GoCardless vs Salt Edge: bank coverage overlap
GoCardless and Salt Edge share 51 markets where both connect to banks. GoCardless additionally reaches 3 markets Salt Edge does not (BS, GI, MC), while Salt Edge reaches 22 markets GoCardless does not (AD, AX, AZ, BA, BY, CN, CO, ID…).
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 GoCardless if…
- you want the largest number of connected institutions (2,228)
- you prefer a provider headquartered in the United Kingdom
Choose Salt Edge if…
- you need the widest country coverage (73 markets)
- you prefer a provider headquartered in Spain
Frequently asked questions
What is the difference between GoCardless and Salt Edge?
GoCardless vs Salt Edge: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Salt Edge has the broader connectivity footprint (73 vs 54 countries of bank coverage), and they overlap on 51 shared markets. GoCardless is headquartered in GB, while Salt Edge is based in ES.
Which has wider bank coverage, GoCardless or Salt Edge?
Salt Edge has wider coverage, reaching 73 countries versus 54 for GoCardless. They overlap on 51 shared markets.
Can I use both GoCardless and Salt Edge?
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 GoCardless and Salt Edge expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.