Token Open Banking API: Supported Banks, Coverage & Alternatives (2026)

Token at a glance

Headquarters: United States
Banks covered: 14+ institutions
Countries: 4
Products: Account data (AIS), pay-by-bank payments (PIS) and account verification
Licence: FCA-authorised AISP & PISP (FRN 795904); Token.io GmbH BaFin-authorised AISP passported across the EEA
Bank connections: Official bank APIs
Sandbox: Yes
Pricing: Custom / contact sales (quote from sales)
Last updated: October 2026

Source: Open Banking Tracker data and Token's public documentation and regulator registers. Confirm details with Token before you rely on them.

Coverage by country

Banks supported by Token

14+ institutions connect through Token. Pick a bank for its connection guide, or check a whole list of banks at once.

NATIONWIDE BUILDING SOCIETY

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NatWest

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RBS (Royal Bank of Scotland)

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Santander

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Ulster Bank (Rest of Ireland)

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Token vs alternatives

All Token alternatives · Compare any two aggregators · Which aggregator covers your banks?

What is Token?

Token is a banking API aggregator: one integration model so apps can reach many institutions with user consent. We list about 14 institutions in this directory; your app’s real coverage can still differ by product and market. For a simple mental model, Token is like a power strip for financial data: many banks share one interface, and your product plugs in once.

Building on Token? See its API and SDKs on API Tracker.

Token FAQ

What is Token?

Token is an open banking API aggregator headquartered in US. It provides account information (AIS), payment initiation (PIS), account or identity verification through a single integration, so apps can reach many banks with the customer's consent instead of building one connection per bank.

How many banks does Token support?

Open Banking Tracker lists 14 institutions reachable through Token. Real coverage can differ by product, market, and individual bank, so use the supported-banks table on this page and confirm specific institutions in Token's own documentation.

Is Token regulated?

Yes. FCA-authorised AISP & PISP (FRN 795904); Token.io GmbH BaFin-authorised AISP passported across the EEA. Authorisations held: FCA, BaFin, PSD2. Verify current licensing on the relevant regulator's public register before you rely on it.

Does Token support payments (pay by bank)?

Yes. Token offers payment initiation (PIS), so you can move money account-to-account ("pay by bank") with the payer's authorisation. Product names and market availability vary — confirm in Token's documentation.

Does Token offer account or income verification?

Yes. Token offers verification products (such as account-ownership or income checks) built on its open banking connectivity. Primarily A2A / pay-by-bank PIS (single payments + VRP) across UK/EU; also account-ownership verification and AIS authorisation. authorisedSince = UK FCA register (Token.io Ltd, FRN 795904); the German entity, Token GmbH, was separately authorised later per an EBA EUCLID mirror (2021-04-09; Token's own press release cites 13 Apr 2021, a minor discrepancy between announcement and register-effective dates). Availability varies by market — confirm in Token's documentation.

Is Token free to use, and is there a sandbox?

Token pricing is sales-gated (you contact sales for rates): Custom / contact sales. A free developer sandbox is available to test before you commit.

Which countries does Token cover?

Open Banking Tracker lists institutions in 4 countries reachable through Token. The most covered are United Kingdom, Ireland, Denmark and Germany. Coverage varies by product, so confirm specific banks in Token's documentation.