Flinks alternatives: 11 open banking apis tools compared
Teams search for a Flinks alternative when their customers sit outside Canada, when fixed one-year plans with monthly minimums do not fit a young product, or when they want a licensed European route instead of North American coverage. Alternatives differ mostly by region, by how they bill, and by who holds the regulatory licence.
Short answer: Looking for a replacement for Flinks? Teller, Akoya and Yapily come first in our open banking apis ranking. Smaller vendors fill the top three places where the category offers them, and the household names start at place 4. Start with Teller if you want usage-based rates printed on the page and a free developer tier with live connections. Every one of the 11 products below comes from Best Open Banking APIs in 2026, with a note on how it departs from Flinks.
Vendors can pay for more visibility on this website, for example a higher place in a ranking or more room on a page. Commercial relationships can also affect which products we feature and how prominently. Every vendor link is marked the same, whatever the arrangement behind it. How that works.
Pricing: Published monthly plans per product on one-year terms with monthly minimums; Pay is quoted; sandbox registration is free
Established in: Not stated by the vendor
Built for: Lenders and fintechs that can forecast monthly connection volume and want fixed plan prices
Not for: Teams wanting to pay only for what they use
01
Why buyers look past Flinks
01
Plans are fixed for a year
Flinks publishes Connect from $500 a month for 200 unique connections and $1,250 for 1,100, with Enrich and Upload sized the same way. Standard contracts run one year with a monthly minimum, and month-to-month or pay-as-you-go is not offered. A prototype with unpredictable usage commits to a year before launch.
02
Payments reach only Canada
Flinks Pay covers account validation, funding and payments over EFT and Interac, and is available in Canada only, on a custom quote. The institution count of 15,000+ is given for North America without a split by country. A team needing payments elsewhere has to add another provider.
03
Several products, each priced alone
Connect, Enrich and Upload are separate products with separate plans, for example Enrich from $250 a month for 100 API calls and Upload from $500 for 20 document uploads. A business that wants data, enrichment and document checks together adds up three subscriptions.
you want the largest institution list and a self-serve start with a sandbox
#13
03
What each one does differently
1
Teller
Not stated by the vendor · Published
Teller prints production rates on its home page: Verify at $1.50 per account, Balance at $0.10 per call, Transactions at $0.30 per enrollment each month. A developer tier includes 100 live connections. That per-use model contrasts with annual minimums. The footer gives no legal entity or country, and its 7,000 institutions are not tied to a country.
Switch from Flinks if you want usage-based rates printed on the page and a free developer tier with live connections.
Akoya sorts customers by volume into a Standard plan under 10,000 monthly connections and a custom Enterprise plan above, with a set-up fee possible and no amounts shown. Data flows by OAuth to 4,500+ institutions, as raw, standardised or enriched records, through six APIs that run from Balances to Statements. The footer states a copyright line only.
Switch from Flinks if you want direct OAuth connections to institutions and a choice of raw or enriched records.
Yapily Ltd is registered in England and Wales and names no parent on the pages read. Its Connect product operates under a PSD2 Open Banking licence, so an unlicensed company can reach European banks, and the catalogue includes variable recurring payments, bulk payments and data enrichment. Cost stays unknown, since the pricing page lists no plans or amounts.
Switch from Flinks if you need to operate under another firm's PSD2 licence while serving UK and European users.
Moneyhub Financial Technology Limited is registered in England and Wales, with a Bristol address and no named parent. Besides bank aggregation it handles non-financial accounts, a categorisation engine, embedded portals and variable recurring payments. No plans, prices or trial are visible, and the sandbox sign-up on the docs domain is the way in.
Switch from Flinks if you want UK aggregation with built-in categorisation and an embeddable customer portal.
Powens SAS is a French payment institution whose footer also names two Spanish entities, Unnax Regulatory Services and Unnax Payment Systems. It syncs accounts, savings, loans and investments from 1,800+ banks across Europe, and adds IBAN accounts and real-time identity checks. Sign-up and a sandbox are offered, but no paid plan appears on the site.
Switch from Flinks if your users bank in continental Europe and you also need IBAN accounts and identity checks.
GoCardless Ltd, with a London address and no parent stated, documents an account information API for European Economic Area countries under PSD2. Responses carry IBAN, balances and transactions, capped at 24 months of history and 90 days of continuing access. Its pricing page for this product returned a 404 when we looked, so cost needs confirming.
Switch from Flinks if you only need read access to EEA accounts and can live with 90-day consent windows.
Salt Edge Limited is incorporated in England and Wales and authorised by the FCA, though it belongs to Salt Edge Inc. The site claims 5,000+ banks in over 50 countries and ISO 27001 certification. A Partner Program lets companies without their own licence reach aggregated EU bank data. Entry is a demo request or API keys, without a published price.
Switch from Flinks if you need wide international bank coverage plus an ISO 27001 certified supplier.
Basiq bills per user created rather than per connection: customer data at $0.50 per user a month plus an unshown platform fee, enrichment at $0.25, reports from $3.00 each, on plans of at least 12 months. Its Data product reaches 135+ institutions in Australia and New Zealand. Basiq Pty Ltd is a wholly-owned subsidiary of Cuscal Limited.
Switch from Flinks if your customers are in Australia or New Zealand and per-user billing suits your model.
Tink AB, per its copyright line, puts payments and data enrichment into one integration, and customers using its ready-made authentication flows run under Tink's PSD2 licence. Products include Pay by Bank, Payouts, Account Check, Risk Signals and Income Check, with SOC 2 Type II compliance stated. Plans are quoted, and a footnote limits them to personal accounts.
Switch from Flinks if you want account checks and income verification from a vendor with its own European licence.
MX Technologies Inc. gives an address in Lehi, Utah. Its range covers OAuth-permissioned data access, aggregation, categorised transactions and investment data, plus finished Personal Financial Management and Mobile Banking products. That breadth reads as aimed at institutions building a whole digital front end. No pricing is visible; calls to action are a demo and early access.
Switch from Flinks if you are a bank or credit union wanting data plus finished money-management screens.
Plaid Inc. is named first on a legal page that also lists Plaid Financial Ltd. in London and Plaid, B.V. in Amsterdam. Link connects 12,000+ institutions, and products run from Auth, Balance and Transfer to Transactions, Liabilities and Enrich. Plans are Pay as You Go, Growth on a 12-month term, and Custom, with a free sandbox and 200 live calls per product.
Switch from Flinks if you want the largest institution list and a self-serve start with a sandbox.
You want rates printed on the page and no annual commitment
Teller: Production prices are on its home page, and a developer tier includes 100 live connections.
02
You want to connect to institutions by OAuth
Akoya: Its six APIs reach 4,500+ institutions and return raw, standardised or enriched records.
03
You need European banks without your own licence
Yapily: Its Connect product works under a PSD2 Open Banking licence; sales sets the price.
04
Your customers bank in Australia or New Zealand
Basiq: It connects 135+ institutions there and bills per user created, from $0.50 a user a month.
05
You want to test with a free sandbox before any contract
Plaid: The sandbox is free and 200 live calls per product are allowed, though Growth needs a 12-month term.
04
When Flinks is still the right choice
Flinks stays the better fit when your customers are Canadian and you need account connection, enrichment, document upload and Canadian payments from one vendor. It publishes plan prices, cites a 95%+ connection success rate, and offers Interac and EFT through Pay. If your volume is predictable and the year-long term is acceptable, the published rates make budgeting easy.
05
What moving off Flinks involves
01
Consents do not carry over
Customers who linked accounts through Flinks must authorise again with a new provider. Plan a re-consent flow in your app, and expect some users not to return. Time the cutover so that existing connections keep working until replacements are live.
02
Enrichment output will change shape
Flinks Enrich returns 4,500+ attributes such as income, cash flow trends, NSF and loan stacking. Other vendors name different categories and fields, so map each attribute your credit rules use before switching, and compare results on a sample of real accounts.
03
Check what happens to Pay flows
If you use Interac or EFT through Flinks Pay, which is available in Canada only, confirm that the new provider supports those rails or find a separate payment partner before leaving.
06
Questions about replacing Flinks
7 answers
How much does Flinks cost?
Connect starts at $500 a month for 200 unique connections, and $1,250 for 1,100. Enrich starts at $250 for 100 API calls and Upload at $500 for 20 uploads. Pay is quoted. Dollar amounts are shown without a stated currency.
Does Flinks offer a free trial?
No self-serve trial is described, but you can register for free sandbox access to explore the APIs.
Can I pay Flinks month to month?
The pricing page says standard contracts run one year with a monthly minimum, and that month-to-month and pay-as-you-go are not offered.
Which alternative lists per-call prices?
Teller shows $1.50 per account for Verify, $0.10 per call for Balance and $0.30 per enrollment a month for Transactions, with 100 live connections free on its developer tier.
Which alternatives cover Europe?
Powens states 1,800+ European banks, Yapily and Moneyhub work under PSD2 or Open Banking arrangements, and GoCardless documents EEA coverage with 24 months of history.
Is there an alternative for Australia?
Basiq connects 135+ institutions across Australia and New Zealand and bills per user created, with plans of at least 12 months.
Do these vendors say who owns them?
Some do. Basiq names Cuscal Limited as parent and Salt Edge Limited belongs to Salt Edge Inc. Others name no parent on the pages we read.
Founder of The Knowledge Engineers and of 2 Steps Ahead, an AI search visibility agency. Editorially responsible for every page on this site; research and drafting are AI-assisted.
Checked and edited by Sebastiaan Smits, last on 10 November 2026. The editorial process explains the method.
