Provider profile · 2026 edition
GoCardless review 2026: scores, pricing and alternatives.
A UK bank payments provider that combines direct debit with open banking pay by bank, recurring pay by bank and account data.
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A UK bank payments provider that combines direct debit with open banking pay by bank, recurring pay by bank and account data.
GoCardless scores 3.0 out of 5 (61 out of 100) in the Buckingham Intelligence Open Banking and Account-to-Account Payments Index 2026 and ranks 6 of 12. It is strongest for UK businesses collecting recurring payments by direct debit and pay by bank, with 5 out of 5 for product range. Not published or not stated on the pages read: published pricing and integration.
Scores from the Open Banking and Account-to-Account Payments Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For payment and e-money firms | 65 | 6 of 12 |
| For lenders and fintech apps | 60 | 6 of 12 |
| For merchants and platforms | 57 | 7 of 12 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
UK businesses collecting recurring payments by direct debit and pay by bank.
What GoCardless publishes on its own pages, read on 26 October 2026.
A UK bank payments provider that combines direct debit with open banking pay by bank, recurring pay by bank and account data. It publishes UK bank coverage, an FCA registration number, ISO 27001 since 2016 and 350+ software integrations. Its pricing page could not be read, and it does not publish an EU licence on the pages read.
| Fact | What the provider publishes |
|---|---|
| Bank coverage | "GoCardless has connections with over 100 of the biggest banks in the UK, and covers roughly 99% of consumer and business accounts." |
| Product range | One-off pay by bank, Recurring Pay by Bank ("Our open banking-powered feature, Pay by Bank, now supports recurring" payments), outbound payments ("Send payments instantly"), and account information after acquiring Nordigen "to expand its AIS coverage across Europe". |
| Pricing | Pricing page could not be read at the date of reading. |
| Regulatory standing | "GoCardless Ltd (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190". |
| Integration | "350+ integrations" including Xero, QuickBooks and Zuora; API integrations; online sign-up. |
| Security certifications | "ISO27001 certified since 2016". |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: gocardless.com/bank-account-data, gocardless.com/security.
Each score with the evidence behind it.
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
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Plaid | 3.9 | 1 of 12 | Fintechs and lenders needing wide bank coverage with UK and EU licences |
| Tink | 3.8 | 2 of 12 | Banks, lenders and payment firms across Europe wanting licences in three regions |
| Yapily | 3.5 | 3 of 12 | Payment firms and software platforms needing UK and EU coverage including business accounts |
| Trustly | 3.3 | 4 of 12 | Merchants in gaming, travel and subscriptions wanting pay by bank across Europe and the US |
| Salt Edge | 3.3 | 5 of 12 | Lenders and payment firms needing data from many countries |
| Volt | 2.8 | 7 of 12 | Merchants and payment firms taking and returning instant bank payments in Europe, the UK and Australia |
| Finverse | 2.7 | 8 of 12 | Businesses in Hong Kong and Southeast Asia collecting recurring bank payments |
| Basiq | 2.5 | 9 of 12 | Australian lenders and fintech apps using Consumer Data Right data |
| TrueLayer | 2.1 | 10 of 12 | UK and European merchants wanting pay by bank, recurring payments and instant payouts |
| Token.io | 1.9 | 11 of 12 | Banks, acquirers and gateways adding pay by bank to their own offer |
| Brankas | 1.8 | 12 of 12 | Banks and fintechs in Southeast Asia building payment and data products |
Full Open Banking and Account-to-Account Payments Index ranking
Side by side on every criterion, fact and award.
Head-to-head comparisons cover pairs within the top five of each ranking. GoCardless is compared with its alternatives in the table above.
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