finAPI Explained: Features & Best Alternatives (2026)

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Products

Industries

Integration

Resources

About

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Open Banking

Providers

finAPI

finAPI is a German BaFin‑licensed Open Banking provider offering APIs for account data, payment initiation, data intelligence, and KYC services.

Introduction

What is finAPI?

finAPI, founded in 2008 and based in Munich, is a fintech firm that provides Open Banking and open finance solutions. It offers account information and payment initiation services through BaFin licensing, and enables data aggregation, financial analysis, KYC, and payments via API.

Introduction

What is finAPI?

Product suite

finAPI Products

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Payments

Accept account-to-account payments directly from customers’ bank accounts.

Payments

Accept account-to-account payments directly from customers’ bank accounts.

Payments

Accept account-to-account payments directly from customers’ bank accounts.

KYC

Quickly and securely identify customers and business partners.

KYC

Quickly and securely identify customers and business partners.

KYC

Quickly and securely identify customers and business partners.

Account Information

Use smart account analytics to categorise transactions, assess cash flow and risk, and automate processes.

Account Information

Use smart account analytics to categorise transactions, assess cash flow and risk, and automate processes.

Account Information

Use smart account analytics to categorise transactions, assess cash flow and risk, and automate processes.

Overview

finAPI Alternatives

Ivy

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Ivy enables real-time Open Banking-powered payments with bank-grade security and high conversion rates.

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TrueLayer

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TrueLayer is a fintech platform enabling secure, real-time access to bank data and payments via Open Banking APIs for developers.

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Volt

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Volt.io is an Open Banking payments platform that enables real-time account-to-account payments across Europe and other global markets.

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Tink

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Tink is an Open Banking platform that connects financial institutions with user data to enable payments, insights, and services.

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Versus

Compare Open Banking Providers

Zimpler vs Yaspa

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See how Zimpler and Yaspa stack up. Explore their features, use cases, and compliance to find the open-banking provider that best supports your business goals.

Yapily vs Plaid

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See how Yapily and Plaid stack up. Explore their features, use cases, and compliance to find the open-banking provider that best supports your business goals.

Trustly vs Plaid

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See how Trustly and Plaid stack up. Explore their features, use cases, and compliance to find the open-banking provider that best supports your business goals.

Yapily vs Truelayer

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See how Yapily and Truelayer stack up. Explore their features, use cases, and compliance to find the open-banking provider that best supports your business goals.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

FAQ

Frequently asked questions

How does finAPI work?

finAPI provides access to financial account data and payment initiation through open banking APIs, with user consent required for all connections.

Is finAPI safe?

Yes. finAPI applies encryption, strong authentication, and compliance with financial regulations to protect user data.

FAQ

Frequently asked questions

How does finAPI work?

finAPI provides access to financial account data and payment initiation through open banking APIs, with user consent required for all connections.

Is finAPI safe?

Yes. finAPI applies encryption, strong authentication, and compliance with financial regulations to protect user data.

FAQ

Frequently asked questions

How does finAPI work?

finAPI provides access to financial account data and payment initiation through open banking APIs, with user consent required for all connections.

Is finAPI safe?

Yes. finAPI applies encryption, strong authentication, and compliance with financial regulations to protect user data.

FAQ

Frequently asked questions

How does finAPI work?

finAPI provides access to financial account data and payment initiation through open banking APIs, with user consent required for all connections.

Is finAPI safe?

Yes. finAPI applies encryption, strong authentication, and compliance with financial regulations to protect user data.

Ready for the future of money?

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Ready for the future of money?

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Ready for the future of money?

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Ready for the future of money?

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Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

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