Best European Plaid Alternatives (2026)

open-banking.io

🇩🇰

by Tatic ApS

open-banking.io, run by Tatic ApS in Hadsten, Denmark, gives individuals and businesses programmatic access to their own bank accounts and transactions without obtaining PSD2 (eIDAS) certificates. Data is encrypted under a key only the account holder holds, and can be browsed in the app, exported to CSV or PDF, or pulled through the API. Bank connectivity runs through Enable Banking Oy in Espoo, Finland, a registered account information service provider supervised by the Finnish Financial Supervisory Authority.

Mollie

🇳🇱

by Mollie B.V.

Mollie is a payment service provider that facilitates online transactions for businesses. It supports various payment methods, including credit cards and digital wallets, to help streamline the checkout process. The platform offers easy integration with websites and provides tools for managing payments and analytics.

Adyen

🇳🇱

by Adyen N.V.

Dutch payment platform providing end-to-end infrastructure for accepting payments anywhere in the world.

Revolut

🇬🇧

by Revolut Ltd

Revolut is a financial app that allows users to manage their money seamlessly across multiple currencies. It offers features such as currency exchange, spending analytics, and budgeting tools. Users can also access global payment services, cryptocurrency trading, and virtual or physical debit cards for secure transactions.

SumUp

🇬🇧

by SumUp Limited

SumUp is a European mobile payment processing company headquartered in London, UK (founded 2012). It enables small businesses to accept card payments via portable card readers and a smartphone app. SumUp operates across 36 markets in Europe, the Americas, and globally. The platform includes card readers, mobile POS, online payments, invoicing, and a business account — all with no monthly fees on the standard plan. Merchants pay only per transaction (1.69% for in-person payments in Europe).