Bud
Bud is a UK (outside the EU/EEA) fintech-infrastructure provider (Open banking). Verified at source - licence, regulator and registry reference. Active
Who it's for
Bud is built for products using bank-account data or bank-to-bank payments over PSD2 rails. It operates under a payment institution licence.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
What Bud does
Verified licence profile
Bud (Bud Financial, UK; since 2015) - AI transaction-intelligence platform on open-banking data, enriching transactions for banks and fintechs (Bud.ai generative platform). FCA-authorised (FRN 793327); raised USD 80m.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you Bud? Work with us →
Official register entries
- Payment institution (PI) - Financial Conduct Authority (FCA) · Ref 793327 · Active (FCA Financial Services Register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
European alternatives to Bud
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.
Autopay (Blue Media S.A., Poland) - online payments and account-to-account: BLIK, cards and open banking. National Payment Institution, KNF (since 2013).
Belvo (Spanish-founded, 2019) - open finance / open banking APIs (account aggregation, payment initiation); now primarily focused on Latin America (payment-institution authorisation in Mexico; also Brazil and Colombia).
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.
FAQ
Is Bud European / EEA-based?
Bud is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does Bud do?
Bud covers: Open banking. Verified at source by Fintechnologica.