Top 10 European Open Banking Platforms
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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