Comparison · 2026 edition
Plaid vs Yapily: open banking compared 2026.
Plaid and Yapily side by side in the Open Banking and Account-to-Account Payments Index 2026: scores, evidence, published facts and awards.
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Plaid and Yapily side by side in the Open Banking and Account-to-Account Payments Index 2026: scores, evidence, published facts and awards.
In the Open Banking and Account-to-Account Payments Index, Plaid scores higher overall: 3.9 out of 5 (78 out of 100) against 3.5 (70), ranking 1 and 3 of 12. Plaid also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Plaid | Yapily |
|---|---|---|
| Score out of 5 | 3.9 | 3.5 |
| Score out of 100 | 78 | 70 |
| Overall rank | 1 of 12 | 3 of 12 |
| For payment and e-money firms (out of 100) | 85, rank 1 | 77, rank 3 |
| For lenders and fintech apps (out of 100) | 79, rank 1 | 67, rank 3 |
| For merchants and platforms (out of 100) | 70, rank 1 | 66, rank 3 |
| Type | Open banking data and payments platform | Open banking API platform |
Each score with the evidence behind it.
| Criterion | Plaid | Yapily |
|---|---|---|
| Bank coverage | 5/5 12,000+ institutions across 20 countries published. | 5/5 2,000 institutions across 19 countries published. |
| Product range | 5/5 Account data, pay by bank, VRP and payouts all published. | 5/5 Account data, payments, VRP and bulk payments published. |
| Published pricing | 0/5 Not published; plans list products without prices. | 0/5 Not published. |
| Regulatory standing | 5/5 FCA and DNB licences with numbers published. | 5/5 FCA and Bank of Lithuania licences with numbers published. |
| Integration | 4/5 Free sandbox, hosted bank connection screen and live API access; SDKs not confirmed on the pages read. | 4/5 API docs, console, demo app and sign-up; SDKs and sandbox not confirmed on the pages read. |
| Security certifications | 4/5 ISO 27001 and SOC 2 published; SOC 2 type not stated. | 0/5 Not published on the pages read. |
Each criterion is scored 0 to 5 against the best published offer in the Open Banking and Account-to-Account Payments Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Plaid | Yapily |
|---|---|---|
| Bank coverage | "Access 12,000+ financial institutions and both personal and business accounts across 20 countries." | "Explore over 2,000 institutions directly integrated in 19 countries", "with the majority of banks covered in the UK and Germany". |
| Product range | Products listed: Pay by Bank, Variable Recurring Payments, Payouts ("Seamless payouts within your app"), Transactions, Balance, Income and Identity Verification. | Products listed: Payments, Variable Recurring Payments, Commercial VRP, Bulk Payments, Data, Data Plus and Validate. |
| Pricing | US and Canada pricing page lists Pay as You Go, Growth and Custom plans with products "Included" or "Contact for pricing"; no prices published. | "Tailored pricing for every business"; "Let's talk". No prices published. |
| Regulatory standing | Plaid Financial Limited "authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 804718"; Plaid B.V. "authorised and supervised by De Nederlandsche Bank (DNB) under registration number R179714". | "Yapily Connect Ltd is regulated by the UK Financial Conduct Authority with no. 827001"; "Yapily Connect UAB is regulated by the Bank of Lithuania with no. LB002045". |
| Integration | "Start testing in sandbox for free"; Plaid Link bank connection screen; pay-as-you-go plan by request; unlimited live API calls. | API docs "designed so AI coding agents can connect directly", Customer Console, demo app, "Get Started" sign-up. |
| Security certifications | "Plaid is certified as ISO 27001 compliant", "ISO 27701 compliant" and "SSAE18 SOC 2 compliant" (report type not stated). | Not published on the pages read. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Plaid: pricing, security certifications and integration.
Not published or not stated by Yapily: pricing, security certifications and integration.
Facts read on 26 October 2026 from: plaid.com/en-gb, plaid.com/pricing, plaid.com/en-gb/safety; and yapily.com, yapily.com/pricing, yapily.com/product/open-banking-country-coverage, yapily.com/legal.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Fintechs and lenders needing wide bank coverage with UK and EU licences.
Payment firms and software platforms needing UK and EU coverage including business accounts.
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