Best Free Open Banking Platforms of 2025

Plaid is an international data network that powers tools used by millions of people to live a more healthy financial life. Our ambition is to facilitate an inclusive, competitive and mutually beneficial financial systems by simplifying payments and revolutionizing lending. Plaid works with more than 8,000 companies, including fintechs such as Venmo and SoFi and several Fortune 500 companies, to give people more control and choice over how they manage money. Plaid is headquartered in San Francisco and its network spans more than 12,000 institutions throughout the US, Canada UK and Europe.

Free banking data & premium insights. All-in-one API for banking data to build powerful banking, lending, and finance apps. All-in-one API to access account information, transaction categorization, and insights.

Gravitee.io, the most cost-effective, performant, and cost-effective Open Source API Platform, allows your organization to securely publish, analyze, and secure your APIs. Gravitee.io's OAuth2 OpenID Connect (OIDC), and Financial-grade API(FAPI) certified servers allow you to manage your identities. Gravitee.io APIM allows you to control precisely who, when, and how your APIs are accessed by your organization. It is lightweight, flexible, and lightning-fast. Gravitee.io allows you to manage, monitor, deploy, and secure your APIs with strong governance features like API review and API quality. Your API consumers can fully engage with your business through a Gravitee.io portal. This will ensure high quality engagement in the digital age.

INXY Tracker automatically detects subscriptions based on your transactions. All subscriptions are displayed in an interactive dashboard. Are you aware of how much you spend each year on subscriptions? Start saving money on subscriptions you don't use. A convenient dashboard gives you a complete overview of all your subscriptions. You can see how much you spend, when subscriptions expire, and when they must be renewed. You can save your money by unsubscribing to subscriptions that you don't need. Notify the most popular messengers to be notified of renewals that are available. Don't forget to extend the services you use and to stop paying for unnecessary ones. INXY allows users to be added to your account. This makes it easy to share subscriptions with family and friends. You can easily share your subscriptions with others and grant permission to edit them. INXY automatically identifies subscriptions thanks to open banking integration You will be informed about the price and what you pay.

Open Banking allows you to keep track of all your accounts and manage your budget in the 21st Century. Emma analyzes your transactions to show you the full list recurring payments across all your accounts. Emma automatically tracks and categorises all of your expenses across accounts. Get detailed insights into your spending habits. Investing is a great way to increase your savings over time. Accessible investing is possible with well-designed investment tools. Split a purchase, transfer money between banks or top up your investment account in a matter of seconds. Did your friends forget to pay their rent? You can remind them all in one tap

This is the easiest way to set-up your mobile banking solution. FinCell is a white-label option for financial institutions looking for a cost-effective, easily customizable mobile banking application. FinCell is built on open banking principles. This allows for seamless integration with your core system via open APIs. FinCell's information security, quality management and data security are backed up by ISO 27001 & ISO 9001. This ensures that all safety and compliance measures are included in a product. FinCell was developed by industry experts who are certified in CISSP and CDPSE. FinCell makes it easy to get your mobile banking app up-and-running in just 2 months. It also offers predefined features that will help you reach the market faster. Only pay for what you use. FinCell uses a subscription-based pricing system, where fees are tied to your customer base. FinCell is easily scalable and can help you increase revenue, grow customer base, reduce churn, and increase customer base.

Automatic invoice reconciliation integrated directly into your favorite accounting software allows you to receive payments instantly and directly to your bank account. Crezco allows you to pay or receive international payments directly from your local bank account. No need to create local wallets or virtual IBANs. Crezco integrates seamlessly into the main accounting software, providing an easy-to use account-to -account solution. Our API was designed to make it easy for your team to send and receive payments from account-to-account immediately. Users can create a batch payment, and initiate payments using a single authentication. All payments appear as individual lines on bank statements. Crezco can integrate and recognise CSV files from most popular accounting and payroll programs, but you can also manually import files.

TrueLayer is the world's leading technology company that provides secure, global access for financial infrastructure. Our APIs are used by developers to create best-in-class products that secure access data and initiate payments in real time. TrueLayer was founded in 2016 and is connected to major banks around the globe. It is backed by top venture capital and trusted by some the most prominent fintech names such as Zopa, Revolut and Monzo. TrueLayer makes open banking available through its platform. This allows developers from all industries, startups and large enterprises, to reinvent financial services. TrueLayer is available in Australia, Europe, and the UK. Integrate next-generation financial data and payments into any app. Customers will love your products. You can send and receive money using the fastest rails at the lowest prices with a first-class experience. No cards. No fraud. No chargebacks.

Ethereum is the community-run technology that powers the cryptocurrency, Ethereum (ETH), and thousands of decentralized apps. Ethereum is a technology that allows for digital money, global payments, as well as applications. The community has created a vibrant digital economy, new ways for creators of online income, and many other benefits. It's accessible to anyone, anywhere in the world. All you need is the internet. Today, billions cannot open bank accounts and others have their payments blocked. The Ethereum decentralized finance system (DeFi), never sleeps nor discriminates. You can send, receive and borrow money anywhere in the world with an internet connection. We can now access 'free' internet services without having to give up our personal data. Ethereum services are available by default. You only need a wallet. These services are free and easy-to-set up. They can be controlled by you and work without your personal information. Stake your ETH to become an Ethereum validator. Staking is a public good for the Ethereum ecosystem. You can help secure the network and earn rewards in the process.