10 Best Open Banking Aggregator APIs For Developers 2026

I would like to share insights on the Best Open Banking Aggregator APIs for Developers. The open banking

APIs have changed the face of fintech by securely allowing access to users’ financial data for the purposes of account aggregation, transaction insights, and payment initiation.

Developers have to choose the right aggregator to ensure they can build scalable, compliant, and innovative applications.

These top Aggregator APIs will help you understand the APIs that are shaping the fintech ecosystem.

Key Points & Best Open Banking Aggregator APIs for Developers

API Provider	Key Points for Developers
Plaid	Widely used in fintech; supports account linking, payments, and transaction data across multiple banks.
TrueLayer	Strong in Europe; offers secure access to bank data, payments initiation, and compliance with PSD2.
Tink	Provides account aggregation, payment initiation, and personal finance management tools; acquired by Visa.
Yodlee	Long-established aggregator; offers global coverage, financial insights, and analytics APIs.
Salt Edge	Focuses on compliance and security; supports PSD2 and offers data enrichment services.
Finicity (Mastercard)	Specializes in credit decisioning, lending, and financial wellness APIs.
Nordigen	Free API access to European banks; strong focus on affordability for startups.
Banking Circle	Provides payment rails and account access for businesses; strong B2B focus.
Bud	Offers AI-driven financial insights, categorization, and open banking connectivity.
OpenWrks	UK-based provider; focuses on affordability checks, income verification, and financial inclusion

10 Best Open Banking Aggregator APIs for Developers

1. Plaid

Plaid is among the most well-established open banking aggregators and is especially favored by developers and consumers located in the North American region.

Plaid provides various APIs that allow users to retrieve an account’s balance, obtain transaction records, and perform identity verification, among other things.

Given Plaid’s extensive network, covering thousands of financial institutions, fintechs can create reliable budgeting apps, lending aids, and verify flows on top of Plaid.

For developers, the reduction in integration time is made possible by the hard work put in by Plaid’s team in creating an extensive set of documentation, guides, and SDKs.

Still, the coverage and cost constraints can be an issue in holdings of the non-American markets.

Feature	Description
Account Aggregation	Plaid supports retrieving a wide variety of account types (checking, savings, credit, loans, investments) via /accounts/get API.
Identity Verification	Plaid’s Identity product lets you verify account holder info (name, address, account ownership) tied to accounts.
Payment Initiation	Supports initiating payments (in supported geographies) using its Transfer or Payment Initiation APIs.
Developer Resources	Well-documented REST API, sandbox environment, dashboards, SDKs and guides to help integrate.

2. TrueLayer

TrueLayer is one of the most prominent open banking APIs in Europe and also one of the best in the sector. The company specializes in the aggregation of data and the initiation of payment.

With its open banking services, users can securely access their bank accounts and can also set up application terminals that facilitate direct payments from bank accounts in real time.

For fintechs located in the United Kingdom and the European Union, TrueLayer is the best choice since it is fully regulated under the PSD2 and GDPR.

Account verification and direct payments make KYC Ultra reliable, thus an ideal choice for most businesses.

Feature	Description
Account Data Access	TrueLayer’s Data API allows access to account metadata, IBAN, balances, and credit card details.
Payments V3 (PISP)	Unified Payments API (v3) supports payment initiation across different geographies, with plug‑and‑play UI, mobile SDKs, and hosted pages.
OAuth / Secure Auth	Uses strong authentication flows; offers customizable user journey or pre-built flows depending on regulation/licensing.
Re-authentication / Refresh	Supports re-authentication flows for lapsed connections, analytics on how users progress through auth flow.

3. Tink

Tink, which is now owned by Visa, is one of the richest APIs found in the European open banking sector. It provides account aggregation, the initiation of payments, financial insights, and various other risk signals.

Similar to Salt Edge, Tink has access to hundreds of European banks. However, Tink specializes in providing enriched data which allows fintech companies to develop more sophisticated budgeting, lending, and personal finance products.

Due to its enterprise-grade performance, Tink is more suitable for large companies. Pricing, as a result, leans to the enterprise side, which may not be ideal for small companies.

Feature	Description
European Coverage	Aggregates data from 3,400+ banks across Europe via a single API, covering many EU markets.
Transaction Data	Provides real-time or near real-time bank-sourced transactions in a standardized format.
Background Refresh	Can refresh users’ financial data up to 4x/day without needing them to re-authenticate
Link SDK (Tink Link)	A front-end SDK for end-user authentication, enabling smooth, branded bank‑connection flows.
Account Ownership Verification	Allows verifying account ownership using real-time data to confirm account ownership.

4. Yodlee

Yodlee is a pioneer in the data aggregation field. His experience in the field is unmatched. Yodlee aggregates all types of financial data, not only data contained in banking accounts, but also data relating to credit cards, loans, investments, etc.

This aggregation is particularly useful for Yodlee’s wealth management, financial planning, and credit scoring clients.

Yodlee’s expertise in analytics and transaction categorization give clients a better overview of their finances. However, business with Yodlee may be more time consuming than business with competitors.

Feature	Description
Massive Source Coverage	Aggregates data from 17,000+ sources, including banks, credit cards, investments, loans.
Data Enrichment & Categorization	Cleans and normalizes raw transaction data using machine learning; provides enriched categories.
Account Verification	Securely verifies account ownership using encrypted credentials or open banking tokens.
RESTful APIs	Offers REST APIs for accounts, transactions, holdings, and more; allows CRUD operations.

5. Salt Edge

Salt Edge provides access to 5000+ banks through a single API, which gives them a world-class open banking option.

According to Salt Edge, Salt Edge provides not only accounts information, but also payment initiation (PISP) and data enrichment .

Salt Edge is ISO 27001 and PSD2 certified, which means they handle security and regulation complexities.

Their account connection widget can be white-labeled so that end users have less friction. Salt Edge is fantastic when broad geographies, consistent data normalization, and good regulatory standards are needed.

Feature	Description
Global Bank Coverage	Connects to 5,000+ banks in 69+ countries via a unified API.
Account Information API	Provides read-access to user bank account data under PSD2 AISP (or equivalent) model.
Payment Initiation API	Enables PIS (Payment Initiation Service) to initiate bank payments securely via open banking.
Consent Management	Built-in consent management system adherent to GDPR and PSD2 regulatory requirements.
Reliable Auth & Rate Limiting	Uses secure authentication (App ID/Secret) and applies rate limiting to protect API stability.

6. Finicity (Mastercard)

Finicity, which is now part of Mastercard, provides open banking APIs focusing on the US market only (Mastercard).

Finicity is very valuable for applications requiring deep, permissioned data as they have over 10,000 connected institutions, covering nearly 95% of the US accounts.

Finicity goes beyond the mere aggregation and offers data intelligence through cleansing, categorisation and cash flow analyses.

The enriched insights assist in credit decisioning, underwriting and financial wellness products. They place a lot of emphasis on data quality and have really strong analytics across the board.

Feature	Description
Broad Financial Coverage	Connects to 10,000+ U.S. financial institutions, covering major and smaller banks.
High‑Quality Data	Provides clean, tokenized access (not screen-scraping) to real bank APIs for accurate data.
Cash Flow Analytics	Offers analytics layer — real-time cash flow, historical inflows/outflows, forecasts, and income verification.
Developer-Friendly APIs	REST APIs with detailed docs to get account data, transactional data, and cash flow reports.
Permissioned Access	End-user permission-based access (consent), aligning with privacy and regulatory standards.

7. Nordigen

Nordigen is also a free, open banking access in Europe which is also developer-friendly. They also provide access to PSD2-compliant, open banking accounts across Europe.

This availability without cost gives it an appeal that especially benefits startups or other ventures that have little excess funding.

The coverage and quality of the data really is worth something and most of us would think there would be a fee. vorigen offers an affordable first step in the region to developers

Who need to create more than proof of concepts, specialize in small fintech, and design personal finance tools to scale, to apply to their work or develop proof of concepts applications, in Europe.

Feature	Description
Freemium PSD2 Data	Offers a free PSD2 Account Information API for European banks (no screen scraping).
High Bank Coverage	Supports access to 900+ banks (or 2,300+ per some sources) in many European countries.
Background Refresh	Allows data refreshes (e.g. up to 4x/day) for connections, keeping transaction history up to date.
Features Library	Provides a “Features v2.0” API that derives machine‑learning-ready variables (features) for predictive modeling (credit scoring, risk, behavior).
Premium Analytics	Offers advanced paid insights: transaction categorisation, credit risk (Simple Score), income stability, risk insights.

8. Banking Circle

Banking Circle offers cross-border payments and banking services and liquidity. It offers payments infrastructure and banking-as-a-service for businesses, fintechs, and other banks.

It facilitates account services, liquidity, and not always considered especially as an “open banking aggregator” but is quite important for fintechs to connect with banking rails.

This is especially the case for products that not just need data access but also treasury management, ability to move funds, and embedded banking that offers a full suite of services.

Feature	Details
Real-time payments	Enables fast, cross-border transactions through a single API
Multi-jurisdictional accounts	Provides virtual IBANs and accounts in multiple currencies
FX solutions	Competitive rates with spot trading and held-rate options
Webhooks	Track payments and events efficiently with automated notifications
Reporting	Flexible reporting capabilities in multiple formats for compliance and analytics
Global reach	Connects to 11 national clearing schemes via one API

9. Bud

Bud presents itself not merely as a data aggregator, but as a data intelligence company. Through an API, Bud collects account and transaction data

Which is enriched and classified into different levels of categorization and used for producing financial insights through machine learning.

Bud is behavioral and categorization insights are geared towards customized financial counseling, spend behaviors, and PFM applications.

Bud is more focused on data intelligence than on payment initiation, which makes it pertinent to use it when data insights, not access, become a constraining factor.

Feature	Details
Open Banking aggregation	Connects to 60+ UK banks with turnkey integration
Consent management	Securely handles customer permissions for data access
Daily refresh	Provides real-time financial data with background updates
AI-powered insights	Analyzes transaction data to uncover customer behaviors and trends
Personal finance management (PFM)	Enables apps to deliver budgeting, categorization, and affordability tools
Customer segmentation	Identifies high-impact segments and next-best-actions using AI
Lending support	Provides detailed affordability and creditworthiness insights for faster lending decisions

10. OpenWrks

OpenWrks is a data connectivity platform based on open banking in the UK. While not as recognized internationally as Plaid or Tink

It has opened APIs to support fintechs, wealth management, lending, and other services in accessing customers’ bank account data and transaction records due to the benefits of open banking.

Security, consent management, and compliance to open banking in the UK regulatory framework makes it suitable for UK-based fintech solutions.

Feature	Details
Bank coverage	Supports major UK and Irish banks including Barclays, HSBC, Lloyds, NatWest, Monzo, and Revolut
AIS (Account Information Services)	Aggregates account and transaction data securely
PIS (Payment Initiation Services)	Enables direct payment initiation via Open Banking APIs
PSD2 compliance	Fully aligned with European PSD2 regulations for secure data sharing
Sandbox environment	Provides developer-friendly testing tools for integration
Affordability checks	Used in financial inclusion and lending to verify income and spending patterns

Conclusion

To summarise, the top open banking aggregator APIs—Plaid, TrueLayer, Tink, Yodlee, Salt Edge, Finicity, Nordigen, Banking Circle, Bud, and OpenWrks—all provide exceptional account aggregation, payment initiation, and financial insights APIs to users.

Depending on geography, the extent and cost of data, and ease of integration, each provider differentiates along these points to help fintechs innovate and scale their services.

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