Open Banking APIs in Europe

Tink

EU & UK503 EU/UK banks

Visa-owned platform with one of the broadest European footprints for both account data and payment initiation across many EEA markets. A common default for multi-market EU builds.

TrueLayer

UK & EU56 EU/UK banks

Payments-led specialist with the strongest pay-by-bank and Variable Recurring Payments offering, expanding instant payouts across Europe.

Yapily

UK & EU437 EU/UK banks

Infrastructure-only API with no consumer-facing UI, popular with platforms that white-label the consent and bank-selection UX. Strong in the UK and Germany.

Enable Banking

EU & UK108 EU/UK banks

Self-serve European AIS with a free "Restricted Production" tier (limited to accounts you link yourself) — a common replacement for the old Nordigen free tier. Full production needs a contract + KYB.

GoCardless

UK & EU2,215 EU/UK banks

Bank-to-bank payments specialist — recurring (Direct Debit) and instant bank pay across the UK and EU. Note: its standalone Nordigen-derived Bank Account Data product is closed to new signups.

Klarna Kosma

EU & UK57 EU/UK banks

Klarna's open banking arm (Kosma) with broad European bank connectivity for account data and verification, backed by Klarna's scale across the continent.

Salt Edge

EU + global1,579 EU/UK banks

Wide coverage across 70+ countries and 5,000+ banks. Often chosen by teams that need many EU plus non-EU markets through one integration.

For broad EEA coverage, Tink and Salt Edge are common defaults; TrueLayer and Yapily lead for payments and white-label infrastructure; Enable Banking is the most self-serve and indie-friendly for account data. The best choice depends on whether you need data, payments, or many markets from one integration.