TrueLayer
TrueLayer is a UK (outside the EU/EEA) fintech-infrastructure provider (Open banking, Local payment schemes, KYC/KYB). Verified at source - licence, regulator and registry reference. Active
Who it's for
TrueLayer 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 TrueLayer does
Verified licence profile
TrueLayer (UK) - FCA-authorised AISP + PISP and a UK/EU pay-by-bank leader; acquired Zimpler (Nordic/Swish).
Verified 2026-06-25. How we verify → · Spotted something out of date? Report a correction. · Are you TrueLayer? Work with us →
Official register entries
- Payment institution (PI) - Central Bank of Ireland · Ref C433487 · Active (EBA PSD2 register, as of 2026-07-18)
- E-money institution (EMI) - Financial Conduct Authority (FCA) · Ref 901096 · 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 TrueLayer
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.
Kontomatik (Warsaw + Vilnius) - CEE open-banking pioneer: AIS data aggregation, KYC and income/credit scoring across CEE and Iberia (15+ countries). First AISP in the KNF register (Poland) plus Bank of Lithuania (2018).
Neonomics (Norway) - open banking with a Nordic PIS focus. PI + PISP + AISP (Norwegian Finanstilsynet), passported across the EU.
FAQ
Is TrueLayer European / EEA-based?
TrueLayer is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does TrueLayer do?
TrueLayer covers: Open banking, Local payment schemes, KYC/KYB. Verified at source by Fintechnologica.