Verified provider profile

Plaid

Plaid is a US - contrast fintech-infrastructure provider (Open banking). Verified at source - licence, regulator and registry reference. Active (contrast)

USEEA data: NoLicence: PIVerified at source 2026-06-26
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Who it's for

Plaid 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: US (US)
  • Ownership / control: US company (US law applies, incl. the CLOUD Act)

What Plaid does

Open banking

Verified licence profile

Plaid (San Francisco, US; founded 2013) - open-banking / data network across 12,000+ institutions in US/CA/UK/EU, with a growing EU presence (London + Amsterdam). A contrast reference vs European OB (Tink/TrueLayer/Yapily); US-HQ = CLOUD Act exposure.

Verified 2026-06-26. How we verify → · Official website: plaid.com · Spotted something out of date? Report a correction.

Official register entries

  • Payment institution (PI) - The Netherlands Bank · Ref R179714 · Active (EBA PSD2 register, as of 2026-09-18)

Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.

European alternatives to Plaid

  • Aiia EU core PI Denmark · EEA: YesShared: Open banking, Open banking: AIS / PIS
  • Belvo EU core PI Spain · EEA: YesShared: Open banking, Open banking: AIS / PIS
  • Bridge EU core PI France · EEA: YesShared: Open banking, Open banking: AIS / PIS
  • Enable Banking EU core PI Finland · EEA: YesShared: Open banking, Open banking: AIS / PIS
  • Fabrick EU core PI Italy · EEA: YesShared: Open banking, Open banking: AIS / PIS
  • finAPI EU core PI Germany · EEA: YesShared: Open banking, Open banking: AIS / PIS

FAQ

Is Plaid European / EEA-based?

Plaid is US origin (US) and is not fully EEA-based; shown as a contrast/comparison.

What does Plaid do?

Plaid covers: Open banking. Verified at source by Fintechnologica.

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