European alternatives to Ivy (Augustus)
Ivy (Augustus) is a US-based provider (Open banking, Local payment schemes) operating outside the EEA (data residency: Partial). For teams that need European digital sovereignty — GDPR-safe, outside US CLOUD Act reach — here are 9 verified European providers covering the same ground.
9 verified European alternatives
Bridge (France) - open banking AIS/PIS by Bankin' (ACPR-regulated group): account data and A2A payments.
Brite AB (org.nr 559116-1632) - licensed Payment Institution, Swedish FSA (Finansinspektionen); instant A2A / pay-by-bank across Nordics + EU.
Fintecture (France) - open-banking / A2A payment infrastructure using SEPA instant transfers as a card alternative (lower fees, fraud reduction). PIS-licensed (ACPR / Banque de France); member of France FinTech.
Inespay (Spain) - the leading payment-initiation (PISP) provider of Spain and Portugal: account-to-account bank-transfer payments (Transferencia Online) covering 99%+ of online-banking users across Iberia. Payment institution authorised by the Bank of Spain.
Neonomics (Norway) - open banking with a Nordic PIS focus. PI + PISP + AISP (Norwegian Finanstilsynet), passported across the EU.
Tink (Sweden) - open banking AIS + PIS across 3,400+ banks in 18 markets. Authorised PI (Swedish FSA, ID 44059); acquired by Visa in 2022 (EUR 1.8bn).
Trustly (Sweden; founded 2008) - pay-by-bank / A2A leader across the Nordics and EU, over SEPA. Licensed PI (Swedish FSA + FCA UK).
Aiia (Denmark) - open banking data and payments across 3,000+ European banks; now Mastercard Open Banking Services Europe A/S (Mastercard-owned).
Algoan (Paris, France) - open-banking credit scoring and decisioning: analyses bank transaction data (AIS) to score creditworthiness for lenders, with partnerships including Worldline and Mastercard. Registered AISP (ACPR). A European, data-minimising alternative to classic bureau scores.
FAQ
What is the best European alternative to Ivy (Augustus)?
It depends on which capability you need (Open banking, Local payment schemes). Fintechnologica lists 9 verified European options above; the top-ranked European-origin match is Bridge (France). Request a match for a shortlist tailored to your licence, market and EEA requirements.
Are these alternatives fully European / EEA-based?
Each provider shows its origin and EEA data-residency status (Yes / Partial / No). European origin means the company's HQ and lineage are European; the EEA flag reflects where data and the operating rail actually sit. Both are shown so you can judge sovereignty for your own requirements.
How are these verified?
Every provider is verified at source: licence type, regulator and a registry reference — not a marketing page. That is the depth G2 and Capterra don't provide.