Plaid vs Yapily: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Plaid has the broader connectivity footprint (59 vs 47 countries of bank coverage), and they overlap on 44 shared markets. Plaid is headquartered in US, while Yapily is based in GB.
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Plaid vs Yapily at a glance
| Plaid | Yapily | |
|---|---|---|
| Headquarters | US | GB |
| Market focus | North America and Europe | Multi-region |
| Countries covered | 59 | 47 |
| Institutions tracked | 9,706 | 445 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | FCA, PSD2 | FCA, Bank of Lithuania, PSD2 |
| Sandbox | ||
| Pricing model | Usage-based: per-connected-account + per-request; Pay-as-you-go / Growth / Custom | Custom / sales-negotiated by business stage and volume |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Plaid | View Yapily |
Plaid vs Yapily: bank coverage overlap
Plaid and Yapily share 44 markets where both connect to banks. Plaid additionally reaches 15 markets Yapily does not (AD, AE, AZ, BD, BS, EG, GM, GU…), while Yapily reaches 3 markets Plaid does not (EC, ID, TL).
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 Plaid if…
- you need the widest country coverage (59 markets)
- you want the largest number of connected institutions (9,706)
- your focus market is North America and Europe
- you prefer a provider headquartered in the United States
Choose Yapily if…
- you prefer a provider headquartered in the United Kingdom
Frequently asked questions
What is the difference between Plaid and Yapily?
Plaid vs Yapily: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Plaid has the broader connectivity footprint (59 vs 47 countries of bank coverage), and they overlap on 44 shared markets. Plaid is headquartered in US, while Yapily is based in GB.
Which has wider bank coverage, Plaid or Yapily?
Plaid has wider coverage, reaching 59 countries versus 47 for Yapily. They overlap on 44 shared markets.
Can I use both Plaid and Yapily?
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 Plaid and Yapily expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.