Europe's open banking revolution, ignited by PSD2 in 2018 and accelerated by PSD3 proposals in 2023, has produced a generation of API-first platforms connecting banks, fintechs, and merchants across the continent. Over 600 third-party providers are now authorised in the EU and UK, and transaction volumes through open banking rails surpassed 11 billion calls annually by 2025. From account aggregation to variable recurring payments and embedded finance, these platforms are quietly rewiring how money moves across Europe.
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Sweden's Tink was acquired by Visa for EUR 1.8B in 2022 and now powers open banking connectivity for over 3,400 banks and 10,000 developers across 18 European markets. Its data enrichment, payment initiation, and income verification products are embedded in major bank and lender workflows continent-wide.
London-based TrueLayer connects to 700+ banks across the UK and Europe, processing billions in open banking payments for clients including Revolut, Freetrade, and DraftKings. Its PayDirect product enables real-time account-to-account payments that bypass card rails entirely, dramatically reducing merchant fees.
UK-headquartered Yapily provides open banking infrastructure to enterprises across 18 European countries, offering a single unified API that abstracts the complexity of 2,000+ bank integrations. Its enterprise clients use Yapily for payment initiation, data access, and embedded finance workflow automation.
Latvian startup Nordigen was acquired by GoCardless in 2022 and relaunched as GoCardless Bank Account Data, providing free-tier account information services to over 3,000 developers. The integration combines Nordigen's EU open banking coverage with GoCardless's global direct debit infrastructure.
Moldova-founded Salt Edge operates one of Europe's broadest open banking connection networks, covering 5,000+ financial institutions across 50+ countries. Its compliance-first approach — including PSD2 TPP licensing, AISP, and PISP services — has made it the infrastructure backbone for over 300 fintech clients.
UK-based Token.io focuses on open payments, connecting 500+ European banks to enable real-time account-to-account transactions for merchants and PSPs. Its TokenOS platform handles payment initiation, consent management, and fraud controls, and it holds pan-European PISP authorisation from the FCA.
French fintech Fintecture specialises in B2B open banking payments, enabling businesses to accept account-to-account transfers at checkout with instant settlement. Backed by EUR 50M in funding, it serves over 2,000 merchants across France and Southern Europe and integrates with leading ERP and e-commerce platforms.
Swedish payments giant Klarna leverages its open banking infrastructure — built originally to power its own BNPL underwriting — as a third-party product. Klarna Open Banking offers account data aggregation and payment initiation to external clients across 15 European markets, competing directly with pure-play aggregators.
London-based Bud Financial goes beyond raw data connectivity to offer AI-powered transaction enrichment and financial intelligence APIs. Its platform helps banks and lenders understand customer cashflows for credit decisioning, affordability assessments, and personalised financial-wellness tools across the UK and Europe.
US giant Plaid expanded into Europe post-GDPR with a dedicated EU data infrastructure, connecting to major UK and European banks. Although smaller than its US operation, Plaid Europe serves hundreds of fintech clients needing transatlantic account connectivity, and its 2024 EU AISP licence reinforced its regulatory standing.
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Sweden's Tink was acquired by Visa for EUR 1.8B in 2022 and now powers open banking connectivity for over 3,400 banks and 10,000 developers across 18 European markets. Its data enrichment, payment initiation, and income verification products are embedded in major bank and lender workflows continent-wide.
London-based TrueLayer connects to 700+ banks across the UK and Europe, processing billions in open banking payments for clients including Revolut, Freetrade, and DraftKings. Its PayDirect product enables real-time account-to-account payments that bypass card rails entirely, dramatically reducing merchant fees.
UK-headquartered Yapily provides open banking infrastructure to enterprises across 18 European countries, offering a single unified API that abstracts the complexity of 2,000+ bank integrations. Its enterprise clients use Yapily for payment initiation, data access, and embedded finance workflow automation.
Latvian startup Nordigen was acquired by GoCardless in 2022 and relaunched as GoCardless Bank Account Data, providing free-tier account information services to over 3,000 developers. The integration combines Nordigen's EU open banking coverage with GoCardless's global direct debit infrastructure.
Moldova-founded Salt Edge operates one of Europe's broadest open banking connection networks, covering 5,000+ financial institutions across 50+ countries. Its compliance-first approach — including PSD2 TPP licensing, AISP, and PISP services — has made it the infrastructure backbone for over 300 fintech clients.
UK-based Token.io focuses on open payments, connecting 500+ European banks to enable real-time account-to-account transactions for merchants and PSPs. Its TokenOS platform handles payment initiation, consent management, and fraud controls, and it holds pan-European PISP authorisation from the FCA.
French fintech Fintecture specialises in B2B open banking payments, enabling businesses to accept account-to-account transfers at checkout with instant settlement. Backed by EUR 50M in funding, it serves over 2,000 merchants across France and Southern Europe and integrates with leading ERP and e-commerce platforms.
Swedish payments giant Klarna leverages its open banking infrastructure — built originally to power its own BNPL underwriting — as a third-party product. Klarna Open Banking offers account data aggregation and payment initiation to external clients across 15 European markets, competing directly with pure-play aggregators.
London-based Bud Financial goes beyond raw data connectivity to offer AI-powered transaction enrichment and financial intelligence APIs. Its platform helps banks and lenders understand customer cashflows for credit decisioning, affordability assessments, and personalised financial-wellness tools across the UK and Europe.
US giant Plaid expanded into Europe post-GDPR with a dedicated EU data infrastructure, connecting to major UK and European banks. Although smaller than its US operation, Plaid Europe serves hundreds of fintech clients needing transatlantic account connectivity, and its 2024 EU AISP licence reinforced its regulatory standing.
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