Best Open Finance Platforms
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Compare the Top Open Finance Platforms as of January 2026
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What are Open Finance Platforms?
Open finance platforms are digital platforms that enable the sharing and integration of financial data and services between different financial institutions, third-party providers, and consumers through open APIs (Application Programming Interfaces). These platforms facilitate access to financial data, such as banking, investments, insurance, and loans, allowing users to manage their financial portfolios and services from various providers in one centralized location. Open finance platforms often focus on improving financial transparency, providing personalized financial services, and enabling innovation in the financial sector through secure data sharing. By using these platforms, businesses and consumers can gain greater access to a wide range of financial services and products, while also enhancing competition and promoting financial inclusion. Compare and read user reviews of the best Open Finance platforms currently available using the table below. This list is updated regularly.
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1
Plaid
Plaid
Plaid is a global fintech infrastructure platform that enables businesses and consumers to securely connect to financial data and services. Through APIs that connect to more than 12,000 financial institutions across 20+ countries, Plaid operates the world’s largest open banking data network. By removing the complexity of direct bank integrations, Plaid enables developers, financial institutions, and enterprises to build secure, user-friendly, and conversion-optimized financial products. Plaid powers payments, lending, identity verification, fraud prevention, and personal finance applications. Today, more than 100 million people worldwide, including half of U.S. adults, have relied on Plaid through their connections to over 7,000 apps and services.Starting Price: Free -
2
SBS Banking Platform is a flexible, cloud-native solution that empowers financial institutions to scale on their terms while delivering seamless, digital-first experiences - anytime, anywhere. A fully integrated, front-to-back platform, it drives innovation across retail, corporate, and neobanking sectors. From digital and open banking to deposits, payments, lending, and compliance, our platform enables financial institutions across EMEA to stay ahead of the curve. Trusted by top-tier banks, SBS Banking Platform is recognized by industry leaders, including Gartner, Forrester, NelsonHall, and IBS, for its transformative impact. Recent recognition by Omdia for digital banking, Chartis for regulatory reporting, and NelsonHall for Cloud, SaaS & BPaaS underscores our commitment to excellence.
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3
Finexer
Finexer
Finexer is an FCA-regulated, API-driven platform revolutionizing how SMBs access and utilize financial data. By seamlessly connecting to all UK banks, Finexer enables real-time insights and Pay-By-Bank payments through a user-friendly dashboard, deploying 2-3x faster than competitors. Key Features - Data (AISP) & Payments (PISP) APIs: 1. Banks Transactions Data: Gain real-time access to bank transaction data, empowering businesses to enhance decision-making and create tailored user experiences. 2. Balance Checks: Unlock valuable insights into customers' income, expenses, and balance trends to deliver personalised services and targeted offers. 3. Open Banking Payments: Enable secure A2A payments, instant settlements, and automated recurring transactions (Beta), reducing costs by up to 90%. With advanced data capabilities, white-label options, and PSD2-compliant security, Finexer empowers businesses to optimise operations, drive revenue, and elevate customer experiences. -
4
Flinks
Flinks
Flinks is the creator of a powerful no-code platform and financial data APIs that make it easy and efficient for your team to build with financial data. Trusted by millions of individuals accessing financial services at world-class companies, our purpose is to make the struggles of open banking a thing of the past. Flinks’ products at-a-glance: Enrichment — Get actionable insights on financial data for credit, fraud, and behavior; Connectivity — Let users connect their bank accounts to your products; Outbound — Deliver a winning Open Banking program. Flinks also supports financial service providers across industries and sizes — from consumer and commercial lending, payments, digital banking, fintech, to wealth management, we power different use cases and enable financial innovation for you and your customers. -
5
GoCardless
GoCardless
Simplify recurring or one-off payment processing with GoCardless, UK's leading online direct debit provider. Cost effective and secure, GoCardless offers a truly paperless Direct Debit set up option, with a simple migration process and transparent fees. The platform also comes with pre-built integrations with leading accountancy, membership and subscription software, including Xero, Quickbooks, Sage, Zuora, Teamup and Online Scout Manager.Starting Price: $0.01/month/user -
6
Codat
Codat
Codat helps banks build deeper connections with business customers. We offer products that make it easy to access, synchronize and interpret data from customers’ financial software for specific use cases, such as onboarding suppliers to commercial card programs and underwriting business loans. Codat is used by the largest banks in the world to grow share of wallet, reduce churn & scale their operations. We are backed by leading investors including JP Morgan, Canapi Ventures, Shopify, Plaid, Tiger Global, PayPal Ventures, Index Ventures and American Express Ventures.Starting Price: Free Trial -
7
Amiqus
Amiqus Resolution
The first step to engaging a client or hiring someone new is to check they are who they say they are. Turn hours of paperwork into minutes of frictionless and secure online activity. Compare client information against multiple government databases and sources for compliance with the latest UK and EU anti-money laundering requirements. Request document verification with face-match scanning to check the authenticity of documents from over 195 countries. Screen domestic and international, politically exposed persons (PEPs) and sanctions lists, as well as adverse media data from 500 million web pages, with option for ongoing monitoring. Securely verify balances, transactions, payees, income and affordability through FCA-regulated open banking technology. Instantly verify current address and date of birth against bank and credit providers' records in real time.Starting Price: $38.00/month -
8
Trovata
Trovata
Modern treasury software. Onboard in minutes, No implementation or IT required. Trovata uses open banking and ERP integrations to automate data aggregation, normalization, and analysis so you can report on cash positions and trends. Instantly and constantly. Trovata is pre-integrated with most banks. Connect in minutes and stay connected. No more downloading .CSV files from banking websites to update your cash positions. Trovata is an open banking platform that lets companies instantly know how much cash they have, forecast more quickly, and manage cash flow with precision. 75% of the work that goes into analyzing cash is manually compiling the source data and rolling over Excel models for most companies. Put an end to manual workflows with Trovata.io.Starting Price: $500 per month -
9
Gravitee.io
Gravitee.io
Gravitee.io is the easiest to use, most performant and cost-effective Open Source API Platform that helps your organization to secure, publish and analyze your APIs. Use the power of Gravitee.io to manage identities with our OAuth2, OpenID Connect (OIDC) and Financial-grade API (FAPI) certified server. Gravitee.io APIM is a flexible, lightweight and blazing-fast open source API Management solution that helps your organization control finely who, when and how users access your APIs. With strong governance features such as API review and API quality and our market leading API designer, Gravitee.io enables you to design, manage, deploy and monitor your APIs in a secure and governed way. A branded Gravitee.io portal enables your API consumers to fully engage with your business - delivering high quality engagement for your business in the digital age.Starting Price: $2500 per month -
10
INXY
INXY
INXY Tracker automatically detects all your subscriptions from your transactions. See them all in an informative dashboard. Do you know how much you spend on subscriptions per year? Find out and start saving on what you don't use. Get an overview of all your subscriptions in a convenient dashboard. See how much you spend, when your subscriptions expire and have to be renewed. Find subscriptions you don't use and unsubscribe from them, save your budget! Get notified to most popular messengers never to miss renewal that will hit your pocket. Never forget to prolong the services you need and stop paying for what you don't need. INXY allows you to add users to your account, making it easy to collaborate on subscriptions with your family and friends. Easily share your subscriptions and grant permissions to edit your subscription lists. With open banking integration, INXY automatically identifies your subscriptions. Be informed how much and what you pay for.Starting Price: $8.33 per month -
11
finAPI
finAPI
finAPI is a secure and easy-to-use platform to connect companies, banks, and individual users. Our open banking API gives companies the possibility to access and analyze account data or even initiate payments on behalf of customers. We also offer support to banks and financial service providers with an XS2A server, which delivers a PSD2-compliant banking interface for TPPs. finAPI is flexible, adaptable, and always ready for the next challenge. We can help you to create innovative financial services that deliver real added value for you and your customers. Having easier access to data smooths innovation and process optimization. finAPI’s data intelligence modules enable comprehensive analysis of financial data including categorization, various cash flow, and risk reports as well as contract recognition. Data enrichment, artificial intelligence, and machine learning algorithms ensure the highest data quality and the best possible results.Starting Price: €250 per month -
12
FinCell
FinCell
The easiest way to set up your mobile banking solution. Choose FinCell, a white-label solution for financial institutions that want a cost-effective and easily customizable mobile banking app. FinCell is based on open banking principles, ensuring effective integration with your core system through open APIs. FinCell’s information security and quality management are backed by ISO 27001 and ISO 9001, proving that all needed safety and compliance measures are integrated into a product. FinCell is developed by experts certified in CISSP, CDPSE, and CISA, ensuring best industry practices. Get your mobile banking app up and running in 2 months, FinCell offers pre-defined features, helping you to reach the market faster. Pay for what you actually use. FinCell works on a subscription-based pricing model, where fees are related to your customer base. Easily scalable FinCell helps you increase revenue, grow your customer base, and reduce churn rate.Starting Price: Free -
13
BANKSapi
BANKSapi Technology GmbH
BANKSapi is an API-based Open Banking and Open Finance platform that holds a PSD2 license from BaFin (Germany). In addition to account aggregation (Account Information Service - AIS) for current accounts/payment accounts, data on savings accounts, building society accounts, custody accounts, credit and loans can be retrieved via a standardized API. A2A payments (Payment Initiation Services - PIS) and smart data analytics based on account data complete the portfolio. On request, ready-made widgets that combine an intuitive user interface and secure API communication can be used for a fast go-to-market. BANKSapi currently covers the German and Austrian markets.Starting Price: €59/month -
14
Enapps ERP
Enapps
Enapps ERP is a UK-based enterprise resource planning (ERP) solution for mid-sized businesses seeking a flexible, scalable platform. By unifying finance, CRM, inventory, supply chain, and more, it eliminates data silos and boosts cross-department collaboration. A modular design lets you enable only the features you need, reducing complexity and cost. Real-time reporting, advanced analytics, and customisable dashboards deliver comprehensive visibility, driving swift, data-driven decisions. Developed and supported entirely in-house, Enapps ERP offers rapid response times, frequent updates, and configurable workflows suited to your unique processes. Whether you’re optimising daily operations, streamlining production, or expanding into new markets, Enapps ERP adapts to evolving requirements, keeping you competitive. Transparent, module- and user-based pricing ensures no hidden fees, letting you scale on your own terms. -
15
Expense Once
Solutions Once
Expense Once is an online service with everything your business needs to streamline, automate and manage staff expenses. A dedicated consultant will manage the solution setup and configuration with you. We also offer further support with additional project management and implementation services as required. Unlimited support is included at no further cost and throughout the lifetime use of the product. We assign each premium and enterprise customer with a dedicated account manager. Our competitive pricing means you can use our software with less of a investment. There's no limit to the number of user records you can setup within the expense software. Only pay for active users who have uploaded receipts or submitted expenses. With our use of open banking, we can intergrate into your already used software such as Clearspend and Barcleycard, saving you time and effort when using our system to create your expense reports.Starting Price: $5 per user per month -
16
Zum Rails
Zum Rails
Merging open banking and instant payments, Zūm Rails all-in-one payments gateway allows our clients to seamlessly utilize the payment rails that best fits their needs in the fastest, safest and most efficient way possible. Zūm Rails supports the entire payments journey, from the customer onboarding process to providing advanced data aggregation and KYC tools, moving funds in real-time with fraud prevention and account validation, as well as managing payment operations and simplifying the reconciliation process – all from a single API. -
17
NetGuardians
NetGuardians
As payment channels have multiplied, so have the routes open to fraudsters; increasing banks’ potential liabilities. Adoption of real-time payments, Open Banking and digital-led interactions exacerbates these problems. Traditional anti-fraud practices find it all but impossible to efficiently prevent payment fraud. Most rely on hundreds of static, reactive rules that fail to detect new fraud patterns and trigger too many poor hits. Leveraging award-winning 3D artificial intelligence (3D AI) technology, NetGuardians’ platform NG|Screener monitors all of the bank’s payment transactions in real-time catching more fraud with fewer false positives. It identifies suspicious payments coming from social engineering techniques or scams (such as invoice redirection, love scams, CEO-fraud) and ties this in with digital banking fraud indicators (such as eBanking/mBanking sessions redirected by malware, hijacked by hackers or account takeover fraud resulting from identity theft). -
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DirectID
DirectID
DirectID is a global credit risk platform that is redefining the industry for both lenders and their consumers. By leveraging Open Finance and bank statement data, DirectID help lenders understand their customers throughout the credit risk lifecycle, from onboarding through to collections & recoveries. Today DirectID powers some of the world's biggest brands from banking, consumer and SME lending through to the gig economy, gambling and others. DirectID’s Platform provides global access to bank data through over 13,000+ connections across 65 countries supporting access to over 1.5bn people through one simple integration. The insights provide solutions to common lending questions such as affordability, income verification, expense categorisation, cash flow, emerging financial distress, and more, and are all available directly or through the platform itself. The business is authorised by the FCA to provide AISP (Account Information Service Provider) services within the UK. -
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ONE UP
ONE UP
AI transforms bank feeds into accounting with 95% accuracy (#1 Ranked by Forbes AI benchmark). Automated and customizable by each client. 10 times more usage compare to traditional banking portal. 85% of customers logging in each month. Open banking through neobanks players like Google, Intuit, PayPal, Square and more coming, has created new threats on all your business banking revenue streams: from deposits, loans to payments. Growing your net banking revenue through real-time cross-sales and making the most out of your Small Business existing customers thanks to Smart Advices ™ powered by OneUp. OneUp platform is API based to ensure fast implementation and to offer the customization and the flexibility you need for your project. Display income, spending and overall profitability for the defined period of time, in a defined currency. Data is provided by OneUp AI that transforms bank feeds into accounting entries.Starting Price: $9 per month -
20
BANKTRON
ETRONIKA
BANKTRON Open Banking provides a robust set of APIs and management tools to comply with PSD2 requirements and go beyond compliance demands. Our Open Banking solution focuses on PSD2 compliance needs and strictly follows the Regulatory Technical Standard, as well as regulatory requirements, specific for every market. We start with PSD2 compliance APIs first – Access to Accounts and Payment Initiation. We include commitment to comply with the regulatory requirements for the whole system lifetime, and to undertake whatever changes and enhancements necessary to keep compliant. -
21
PM1e
Expersoft Systems
PM1 is used by several of the world's largest private wealth banks to manage assets on a global scale across multiple booking centres. The manifest reasons are grounded by PM1 offering the most comprehensive capabilities of any product in the front-/mid-office category, covering full life-cycle management within the private banking business. From full client regulatory handling, through multi-booking centre consolidated reporting, to an unparalleled user experience, PM1 is simply the only complete software capable of meeting the needs of today's modern banks demanding digital supremacy combined with the human touch. As no software exists in isolation, PM1 also offers best-in-class interfacing capabilities to integrate with core banking systems, order execution systems, and the myriad of other applications in common use. Hosting options include on-premise, in the PM1 Cloud, and via our partnership with the Finstar Open Banking platform.Starting Price: $30000 one-time payment -
22
Worldline
Worldline
With connection to more than 3500 European banks in 21 countries, we help you to unlock the potential of Open Banking and advance your business through a single open banking API. From open banking Account to Account (A2A) payments, to IBAN checking, credit scoring, and business financial management, Worldline's industry leading open banking capabilities have made them the supplier of choice for multinational banks and payment providers. -
23
NorthRow
NorthRow
Regulated businesses use NorthRow to accelerate their onboarding processes and increase effectiveness of their Client Due Diligence. Improve customer experience and meet your compliance requirements with our client onboarding solutions. Continually monitor for relevant changes in your customer profiles to proactively manage your regulatory risk. Efficiently remediate your existing customer base with our API-driven solution to help ensure compliance. Compliance is about more than ticking boxes, making quick, effective decisions about your customers is critical. Northrow’s SaaS platform allows clients to consume a range of data and make intelligent decisions on who to transact with and how. Open Banking is a new, secure way for customers and SMEs to take control of their financial data. Open Banking chose NorthRow to deliver its onboarding processes, as they set the standard for securely managing customer financial data. -
24
Auto Decision Platform (ADP)
LendingMetrics
Our online Auto Decision Platform (ADP) saves on time, money and errors for lenders. Driving more profits to your bottom line. ADP is a multifaceted, multi-award-winning program, with countless possibilities once deployed. Our cutting-edge decision services enable credit risk professionals to create and manipulate decisioning logic on demand. The next generation private-cloud-based solution Auto Decision Platform (ADP) delivers comprehensive, automated decisions through direct interaction with customers, and allows lenders to decision in a compliant manner. Leverage our universally connected suite of integrations to consumer and commercial CRA data, multiple Open Banking sources, eKYC and fraud products, accounting, device ID, HPI, mobile and email verification, AVM and Land Registry products to execute decision strategy. ADP allows you to build, edit, test and deploy your own bespoke scorecards within a modern, easy-to-use interface. -
25
WWS Open API
Auriga
With the entry into force of the PSD2 Directive on January 13, 2018, the digital transformation of the banking world has officially begun. This revolution impacts the whole ecosystem of payments, including banks and companies defined as banking service suppliers. This brings a new scenario into play, where Third Party Providers (TPPs) can access account information and payments, as instructed by users (called Payment Service Users (PSU)), after having granted an explicit PSU consent. If you are a TPP, or if you are planning to be, and want to join our API platform, refer to our “Get started” section and follow the instructions. The platform for the future of digital payments. WWS Open API is the platform for seizing opportunities created by Open Banking and PSD2. The WWS Open API sandbox is available for testing purposes by TPPs and is where they can trial all the functions available on the platform via sandbox APIs. -
26
LoyalTfacts
Loyal Solutions
We offer the services and technologies needed and have extensive experience in designing, implementing and operating large-scale loyalty programs, including merchant-funded programs across the globe. We offer a modular approach on services and technology based on your business objectives and budgets. We have a partnership mindset and offer fully outsourced solutions where you may leave everything in our hands. We also have clients who benefit from our market-leading technology, our concepts or our know-how while operating their program with existing internal resources - The choice is yours, we adapt to you. Modular and scalable SaaS platform. Complete end-to-end solution for merchant-funded programs. No IT projects are needed – it can work as a standalone solution. Easy integration to your existing systems if needed. PCI DSS level 1 certified and GDPR “store on soil” compliant. Real-time integrated to Visa, American Express and Mastercard. Open banking certified. -
27
Tink
Tink
One PSD2 compliant platform, endless opportunities. Build the future of financial services. Access a broad range of high-quality financial data from banks across Europe through a single API. So you can provide smart financial services – or engaging new customer experiences. If you’re a big bank looking for a custom-built solution, a growing fintech looking for a technology partner or a small business looking for the tools to enable your ideas – we’ve got you. Our platform is built to enable ideas of all shapes and sizes. -
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Yodlee
Yodlee
Yodlee is a leading financial data intelligence platform that connects, enriches, and activates data to help financial institutions and innovators deliver smarter, more personalized customer experiences. With over 601 million connected accounts and 19,000+ data sources, Yodlee provides unmatched access and accuracy for digital banking, lending, wealth management, and payments. Its intelligent APIs and analytics tools enable real-time insights that drive customer engagement, growth, and loyalty. Backed by over 25 years of innovation, Yodlee powers some of the world’s top banks, fintechs, and financial platforms. From open finance to account verification and AI-driven insights, the platform transforms raw financial data into actionable intelligence. Simply put, Yodlee empowers organizations to connect data, activate insights, and drive sustainable growth. -
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Whizzapi
Savangard
Access to the full potential of open banking in one place. The Banking API aggregator allows quick integration with all banking APIs in Europe using a single interface. Fast and optimal connection to banking APIs without the need to take care of implementation differences between banks. With 6+ sandboxes built for our clients, we have gained experience that allowed us to create a solution that is quick and easy to implementation. We provide a connection to the API, and you can focus on your business. We can provide services as time-and-material staff outsourcing (engineers, architects, PMs) but we mostly deliver fixed-price projects with defined scope, timeframe and budget – also in the near shore model. This makes our services exceptionally effective and competitively priced. We’ve delivered over 5000 integration services and 1500 successfully integrated systems. -
30
Advantica
Softax
Advantica Cloud Core Banking is our proprietary electronic banking system that provides a fully comprehensive core banking service. It offers multi-channel banking products and services as well as support in the implementation of business plans. The system supports the latest requirements defined in the Payment services Directive (PSD2) and Open Banking. Advantica is a secure, stable, scalable and reliable solution that Softax has implemented in the largest financial institutions in Europe.
