Category
AI open banking APIs: what they are and who makes them
printed-price developer apis, european open banking providers, north american aggregators, emerging market and risk-focused apis: Flinks, Belvo, Teller through GoCardless Bank Account Data.
Types of AI open banking APIs
Printed-price developer APIs
Flinks, Teller and Basiq publish amounts, from a free developer tier to per-call and per-user rates. They suit builders who want to estimate cost before a sales call, though each covers a narrower region than the quote-only vendors do, so check the country list first.
European open banking providers
Powens, Moneyhub, Salt Edge, Tink and GoCardless Bank Account Data center on European or UK banks and the compliance duties around them. Most ask for a quote, so the first conversation with sales sets both the price and the scope of the contract.
North American aggregators
Plaid, MX and Akoya serve US data access, and Flinks serves Canada, each with its own sandbox or trial route. Akoya states it does not store consumer data or credentials, and MX describes an AI assistant called MX Max that is offered through early access today.
Emerging market and risk-focused APIs
Belvo covers Latin America with income and employment scoring and AI agent connectors, while Mono serves African data needs with naira pricing. Both name limits and plans on their pricing pages, unlike several larger rivals in this ranking, and both publish a free trial or sandbox.
Facts at a glance
| Tool | Publisher | Based in | Access |
|---|---|---|---|
| Flinks | Flinks (copyright line only; legal entity not stated) | Not stated on the vendor pages | Trial + API |
| Belvo | Not stated on the vendor pages | Not stated on the vendor pages | Trial + API |
| Teller | Not stated on the vendor pages | Not stated on the vendor pages | Free tier + API |
| Moneyhub | Moneyhub Financial Technology Limited | United Kingdom | Trial + API |
| Powens | Powens SAS | France | Trial + API |
| Salt Edge | Salt Edge Limited | United Kingdom | Paid + API |
| Akoya | Akoya (copyright line only; legal entity not stated) | Not stated on the vendor pages | Trial + API |
| Basiq | Basiq Pty Ltd (wholly-owned subsidiary of Cuscal Limited) | Not stated on the vendor pages | Paid + API |
| Mono | Mono Technologies Nigeria Limited | Nigeria | Trial + API |
| MX | MX (legal entity not stated on the pages read) | United States | Paid + API |
| Plaid | Plaid Inc. | Not stated on the vendor pages | Trial + API |
| Tink | Tink AB (copyright line) | Not stated on the vendor pages | Paid + API |
| GoCardless Bank Account Data | GoCardless Ltd | United Kingdom | Paid + API |
