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Independently verified · Quarterly re-audit
EU VETTED
Alternatives to

European alternatives to Plaid.

US-incorporated open banking infrastructure provider, San Francisco HQ.

ALTERNATIVES
3
CLOUD-ACT · NONE
0
WITH BSI C5
0
FREE TIER
0

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TOP PICKS

Which are the closest Plaid alternatives?

Ordered by feature parity and migration friction, which is weighted higher than feature breadth.

Trustly
Sweden · Founded 2008
EU-HOSTED
★ #1 PICK

Swedish open-banking A2A payment innovator (Trustly Group AB, 2008), $10B annual volume, 33+ markets; Nordic Capital + BlackRock PE owned.

Public DPA Sub-processors Open source
FROM
—
CLOUD ACT
MATERIAL
View profile →
Volt
United Kingdom · Founded 2019
EU-HOSTED
★ #2 PICK

London-based open-banking A2A real-time payments (Volt Technologies, 2019), FCA EMI, 2,500 banks across 31 territories; US-VC-led.

Public DPA Sub-processors Open source
FROM
—
CLOUD ACT
MATERIAL
View profile →
GoCardless
United Kingdom · Founded 2011
EU-HOSTED
★ #3 PICK

London-based UK direct-debit and recurring-payments specialist (FCA-authorised); Mollie acquisition announced Dec 2025.

Public DPA Sub-processors Open source
FROM
—
CLOUD ACT
MATERIAL
View profile →
SIDE-BY-SIDE

How do the 3 European alternatives to Plaid compare?

All 3 alternatives, benchmarked against Plaid.

Feature comparison

Beyond compliance: how these alternatives compare on the capabilities you actually use day to day.

Feature Trustly Volt GoCardless
Card payments No No No
SEPA Direct Debit No No Yes
Buy now, pay later No No No
Open banking (A2A) Yes Yes Yes
Recurring / subscriptions Yes Yes Yes
Payment links No No Yes
In-person / POS No No No
Marketplace / split No No No
WHAT YOU'RE LEAVING
What are you leaving behind with Plaid?

Listed for transparency. Every product on this page is benchmarked against this baseline.

Plaid US-incorporated

US-incorporated open banking infrastructure provider, San Francisco HQ.

US-based
OWNERSHIP
US-OWNED
CLOUD ACT
DIRECT
HOSTING
Likely AWS · US
SCHREMS II
Default SCC + supp.
METHODOLOGY

How we verified each row above.

For every product we read the public DPA, sub-processors document, hosting region declaration, and corporate ownership records. Each is timestamped. Signals are editorial, re-verified quarterly. We never accept self-attestation.

Reviewed by the EU Vetted editorial team · Editorial guidelines

Read methodology →