Open banking providers in Europe (AISP / PISP)
38 verified European providers, ranked European-origin first (26 EU/EEA-origin). PSD2 account access and payment initiation. Compare by EEA data residency, licence and regulator - each verified at source.
Open banking providers turn PSD2 access into products: account information (AIS) for data, payment initiation (PIS) for bank-to-bank payments - the quiet European rail that bypasses card schemes entirely. Licensing is lighter here (PI authorisation, or AISP registration for data-only), and the scope badges on each profile - AIS, PIS, VRP - say what a provider may actually do. Adjacent and increasingly mandatory: Verification of Payee, the SEPA name-check that open-banking rails now feed.
38 verified providers
Last source verification in this list: 2026-07-19. How we verify →
At a glance (38 providers): licences: 36 PI, 2 EMI; EEA data residency: 25 Yes, 10 No, 3 Partial; headquarters: 26 EU core, 10 UK, 2 US.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Open banking scope | Also offers | Verified | Intro |
|---|---|---|---|---|---|---|---|
 Aiia | Denmark EU core | PI | Yes | AIS, PIS | – | 2026-06-25 | Request intro |
 Algoan | France EU core | PI | Yes | – | Credit risk & decisioning | 2026-07-13 | Request intro |
 Autopay | Poland EU core | PI | Yes | PIS | Payment gateway | 2026-06-25 | Request intro |
 Belvo | Spain EU core | PI | Yes | AIS, PIS | – | 2026-06-25 | Request intro |
 Bridge | France EU core | PI | Yes | AIS, PIS | Local payment schemes | 2026-06-25 | Request intro |
 Brite | Sweden EU core | PI | Yes | PIS | Local payment schemes | 2026-06-25 | Request intro |
 ConnectPay | Lithuania EU core | EMI | Yes | – | BaaS, Card issuing software, IBAN sponsor | 2026-07-19 | Request intro |
 Enable Banking | Finland EU core | PI | Yes | AIS, PIS | – | 2026-06-25 | Request intro |
 Fabrick | Italy EU core | PI | Yes | AIS, PIS | BaaS, IBAN sponsor | 2026-07-19 | Request intro |
 finAPI | Germany EU core | PI | Yes | AIS, PIS | – | 2026-06-25 | Request intro |
 Finqware | Romania EU core | PI | Yes | AIS, PIS | – | 2026-06-26 | Request intro |
 Fintecture | France EU core | PI | Yes | PIS | Local payment schemes | 2026-06-26 | Request intro |
 Inespay | Spain EU core | PI | Yes | – | Local payment schemes | 2026-07-13 | Request intro |
 Klarna Kosma | Sweden EU core | PI | Yes | AIS | – | 2026-06-25 | Request intro |
 Kontomatik | Poland EU core | PI | Yes | AIS | KYC/KYB | 2026-06-26 | Request intro |
 LUXHUB | Luxembourg EU core | PI | Yes | – | Verification of Payee | 2026-07-13 | Request intro |
 Montonio | Estonia EU core | PI | Yes | – | Payment gateway | 2026-07-13 | Request intro |
 Neonomics | Norway EU core | PI | Yes | AIS, PIS | Local payment schemes | 2026-06-25 | Request intro |
 Nordigen | Latvia EU core | PI | Yes | – | – | 2026-07-11 | Request intro |
 Open Payments | Sweden EU core | PI | Yes | – | – | 2026-07-13 | Request intro |
 Powens | France EU core | PI | Yes | AIS, PIS | BaaS | 2026-06-25 | Request intro |
 Qwist (ex-NDGIT) | Germany EU core | PI | Yes | AIS, PIS | – | 2026-06-26 | Request intro |
 Salt Edge | Romania / Canada EU core | PI | Partial | AIS, PIS | – | 2026-06-25 | Request intro |
 Tink | Sweden EU core | PI | Yes | AIS, PIS | Local payment schemes | 2026-06-25 | Request intro |
 Trustly | Sweden EU core | PI | Yes | PIS | Local payment schemes | 2026-06-25 | Request intro |
 Unnax | Spain EU core | EMI | Yes | AIS, PIS | BaaS, IBAN sponsor | 2026-07-19 | Request intro |
 Banfico | UK UK | PI | No | AIS | Verification of Payee | 2026-06-26 | Request intro |
 Banked | UK UK | PI | No | PIS | Local payment schemes | 2026-06-25 | Request intro |
 Bud | UK UK | PI | No | AIS | – | 2026-06-26 | Request intro |
 GoCardless | UK UK | PI | No | PIS, VRP | Local payment schemes, Payment gateway, Direct debit & recurring collections | 2026-06-25 | Request intro |
 Noda | UK / EU UK | PI | Partial | PIS | Local payment schemes | 2026-06-25 | Request intro |
 Ozone API | UK UK | PI | No | AIS, PIS | – | 2026-06-26 | Request intro |
 Token.io | UK UK | PI | No | AIS, PIS, VRP | Local payment schemes | 2026-06-25 | Request intro |
 TrueLayer | UK UK | PI | No | AIS, PIS, VRP | Local payment schemes, KYC/KYB | 2026-06-25 | Request intro |
 Volt | UK UK | PI | No | PIS | Local payment schemes | 2026-06-25 | Request intro |
 Yapily | UK UK | PI | No | AIS, PIS, VRP | Local payment schemes | 2026-06-25 | Request intro |
 Ivy (Augustus) | US US | PI | Partial | – | Local payment schemes | 2026-07-13 | Request intro |
 Plaid | US US | PI | No | AIS, PIS | – | 2026-06-26 | Request intro |
No longer operating (2)
Kept on record on purpose: licences get revoked and providers fail, and checking status before signing is part of due diligence. These are not live options - they are left out of the list and the counts above.
FAQ
What are AIS and PIS?
AIS reads account data (aggregation); PIS initiates payments from the user's bank account (pay-by-bank). Both are PSD2-regulated. Fintechnologica lists 38 verified open-banking providers (26 European-origin), with AIS/PIS/VRP scope flagged per provider.
Is pay-by-bank a real alternative to cards in Europe?
Increasingly yes: A2A payments settle instantly, cost less than card fees and bypass Visa/Mastercard entirely - the strongest sovereignty play in payments. Conversion depends on market: mature in NL/PL/Nordics, growing elsewhere via Wero and instant SEPA.