Provider profile · 2026 edition
Yapily review 2026: scores, pricing and alternatives.
A UK open banking API platform for bank payments and account data, with strong business account coverage.
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A UK open banking API platform for bank payments and account data, with strong business account coverage.
Yapily scores 3.5 out of 5 (70 out of 100) in the Buckingham Intelligence Open Banking and Account-to-Account Payments Index 2026 and ranks 3 of 12. It is strongest for payment firms and software platforms needing UK and EU coverage including business accounts, with 5 out of 5 for bank coverage, product range and regulatory standing. Not published or not stated on the pages read: pricing, security certifications 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 | 77 | 3 of 12 |
| For lenders and fintech apps | 67 | 3 of 12 |
| For merchants and platforms | 66 | 3 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.
Payment firms and software platforms needing UK and EU coverage including business accounts.
What Yapily publishes on its own pages, read on 26 October 2026.
A UK open banking API platform for bank payments and account data, with strong business account coverage. It publishes 2,000 banks in 19 countries, VRP and bulk payments, and UK and Lithuanian licences with numbers. It does not publish prices or security certifications on the pages read.
| Fact | What the provider publishes |
|---|---|
| Bank coverage | "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: Payments, Variable Recurring Payments, Commercial VRP, Bulk Payments, Data, Data Plus and Validate. |
| Pricing | "Tailored pricing for every business"; "Let's talk". No prices published. |
| Regulatory standing | "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 | API docs "designed so AI coding agents can connect directly", Customer Console, demo app, "Get Started" sign-up. |
| Security certifications | Not published on the pages read. |
| 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: yapily.com, yapily.com/pricing, yapily.com/product/open-banking-country-coverage, yapily.com/legal.
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 |
| 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 |
| GoCardless | 3.0 | 6 of 12 | UK businesses collecting recurring payments by direct debit and pay by bank |
| 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.
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