Tool profile
Belvo: cost, fit and limits
Belvo is an open finance API platform that gives lenders and fintech builders access to account data, risk and income insights, and connectors that let AI agents reach that data, sold through monthly plans. Belvo does not name its maker on the pages read.
What to know first
Belvo offers a free Sandbox for testing only, a Launch plan at USD 1,000 per month billed monthly, and a custom Growth plan with dedicated support. Its pages stress AI: MCPs that connect agents to open finance, predictive risk insights, an employment score and an income estimator. The security page states ISO/IEC 27001:2022 and Level 1 PCI DSS service provider status.
Belvo at a glance
| Maker | Not stated on the vendor pages, Not stated on the vendor pages |
|---|---|
| Free plan | Free trial only |
| Entry price | USD 1,000 per month (Launch plan); Sandbox free |
| API access | Yes |
| Category | Best AI Open Banking APIs in 2026, rank 2 of 13 |
| Website | belvo.com |
Who Belvo is best for
Credit risk teams
Risk insights, an Employment score and an Income Estimator sit beside data access, so an underwriting team can pull scoring inputs from the same API it uses for transactions.
Teams building AI agents on finance data
Belvo MCPs connect AI agents to open finance, which saves a developer from writing a custom connector between an agent framework and bank data.
Lenders with their own models
A Custom Insights API is built around the customer's model, which suits a risk group that wants bespoke outputs rather than only prebuilt scores.
Belvo plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Sandbox | Free | A testing environment that is for testing and evaluation only, not live production data. Production traffic is not allowed on this tier. |
| Launch | USD 1,000 per month | Billed monthly and gives Open Finance access for production use. Billed monthly rather than annually, which lets a team start without a long contract. |
| Growth | Custom | Adds the full suite of open finance solutions and dedicated support, with volume discounts and no amounts shown. |
Checked November 2026.
What Belvo does
- Belvo MCPs
- MCP connectors link AI agents to open finance data. The hero section pairs them with AI-powered insights, so the agent feature is a headline offer, not an add-on buried in documentation.
- Risk insights
- Predictive features aim to raise the accuracy of a lender's risk models. The pages describe them without publishing accuracy numbers, so a buyer should test them against its own historical decisions.
- Employment score
- A score that assesses job stability from connected data. It is one of several scoring products, and the pages we read give no scale, inputs or coverage list.
- Income Estimator
- Forecasts salary growth for an applicant. The description names the output but not the method, which matters for lenders who need to explain a decision to a regulator.
- Custom Insights API
- An interface built for the customer's own model. It suggests a services-led engagement, and the pricing page gives no amount for it. The pages read give no pricing for this interface, so it is likely a quote based engagement.
How Belvo handles your data
The security page states ISO/IEC 27001:2022 certification and a Level 1 PCI DSS service provider claim, and says data is hosted on AWS without naming a region. It says customers control how long data is kept and that data is cryptographically deleted. SOC 2 is not stated on the pages we read. Whether customer data trains AI models was not stated, so the vendor's policy was not checked for this. Ask which AWS region applies before you sign.
Where Belvo falls short in practice
- High production floor. Production starts at the Launch plan at USD 1,000 per month. A prototype or small app has only the Sandbox, which is for testing and evaluation and cannot serve live customers.
- Growth is opaque. The Growth plan mentions volume discounts and dedicated support but shows no amount. A buyer expecting to outgrow Launch has to ask for a quote to see the next step.
- Company facts are missing. The pages read do not state the maker or headquarters country, so legal and procurement teams must request them directly before a review. A procurement team should request those details before a vendor risk review begins.
Works with
Alternatives to Belvo
Belvo: common questions
How much does Belvo cost?
Belvo's Sandbox is free for testing only. The Launch plan costs USD 1,000 per month billed monthly, and the Growth plan is custom with volume discounts and dedicated support. The pages we read show no amount for Growth, so ask for a quote if you expect volume beyond Launch.
Does Belvo have AI features?
Yes. The vendor describes Belvo MCPs that connect AI agents to open finance, AI-powered insights and predictive risk features. It also lists an Employment score and an Income Estimator. It does not publish accuracy figures, so run the scores against your own historical cases.
Is Belvo certified for security?
Belvo states ISO/IEC 27001:2022 certification and says it is a Level 1 PCI DSS service provider. Data is hosted on AWS, with the region not named. SOC 2 was not stated on the pages we read, so ask for it if your policy requires it.
Can I test Belvo for free?
Yes, through the Sandbox, which is free. The vendor says it is for testing and evaluation only, so production needs a paid plan. Use the Sandbox to check the MCP connector and the insight endpoints before committing to Launch. It is the only free route listed on the pages read, so plan the proof of concept around it.
How long does Belvo keep customer data?
The security page says customers control how long data is kept and that data is cryptographically deleted. No fixed retention period is stated. If you need a specific schedule, get it written into the contract and confirm how deletion is proven.