comparison
Open Banking API Comparison: Plaid vs Yodlee vs MX vs Tink vs Finicity vs Akoya
Side-by-side comparison of the six major open banking and account aggregation APIs in 2026. Covers institution coverage, account types, payment initiation support, instant verification, data freshness, pricing model, geographic reach, and major customers. Built for fintech founders evaluating data partners.
| Feature | Plaid Largest US aggregator, Visa-owned | Yodlee (Envestnet) Oldest aggregator, wealth/RIA strength | MX Data quality + UX focus, US bank-favored | Tink (Visa) European leader, PSD2-native, Visa-owned | Finicity (Mastercard) Mortgage/lending strength, Mastercard-owned | Akoya Bank-led, FDX-native, no screen scraping |
|---|---|---|---|---|---|---|
| Institution Coverage | 12,000+ US/CA/EU | 17,000+ global | 16,000+ US | 6,000+ EU | 16,000+ US | 5,500+ US (FDX) |
| Geographic Focus | US, CA, UK, EU | US, EU, APAC, AU | US, CA | EU primary, expanding US | US, CA | US only |
| Account Types Supported | Bank, Credit, Loan, Investment, Crypto | Bank, Credit, Investment, Insurance, Loyalty | Bank, Credit, Loan, Investment | Bank, Credit, Investment | Bank, Credit, Income/Employment | Bank, Credit, Investment |
| Payment Initiation (PIS) | ||||||
| Instant Account Verification | ||||||
| Data Freshness | Real-time | Daily refresh | Real-time + cleansed | Real-time PSD2 | Real-time | Real-time API |
| Ownership / Backing | Visa (acquired 2020) | Envestnet (public) | Private (KKR, TPG) | Visa (acquired 2022) | Mastercard (acquired 2020) | Fidelity + 11 major banks |
| Notable Customers | Venmo, Robinhood, Coinbase, Chime | PayPal, Mint, Personal Capital, Schwab | Truist, Citi, Express Wealth, BMO | Klarna, PayPal, BNP Paribas, Lydia | Rocket Mortgage, Experian, Brex, Carta | Fidelity, NCR, Envestnet, Wealthfront |
| Pricing Model | Per API call + tiered | Enterprise contracts | Subscription + per-call | Per API call | Volume contracts | Bank-routed access fees |
| Avg Price Range | $0.30-$1.50/auth | Custom enterprise | $0.40-$2.00/auth | $0.20-$0.80/call | $0.25-$1.20/auth | $0.10-$0.40/call |
| FCRA-Compliant Reporting | ||||||
| PSD2 / EU Compliant |
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About the Author
David Shadrake
David Shadrake works on strategic business development and tech partnerships, with focus areas across AI, fintech, venture capital, growth, sales, SEO, blockchain, and broader tech innovation. Read more of his perspective on partnerships, market dynamics, and emerging technology at davidshadrake.com.