GoCardless vs Powens (formerly Budget Insight): both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). GoCardless has the broader connectivity footprint (54 vs 44 countries of bank coverage), and they overlap on 43 shared markets. GoCardless is headquartered in GB, while Powens (formerly Budget Insight) is based in FR.
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GoCardless vs Powens (formerly Budget Insight) at a glance
| GoCardless | Powens (formerly Budget Insight) | |
|---|---|---|
| Headquarters | GB | FR |
| Market focus | Multi-region | Multi-region |
| Countries covered | 54 | 44 |
| Institutions tracked | 2,228 | 116 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | FCA | ACPR (France), Bank of Spain |
| Sandbox | ||
| Pricing model | Payments: pay-as-you-go per transaction (published); Bank Account Data: freemium (free AIS) | Custom / enterprise quote |
| Free production tier | — | |
| Developer portal | ||
| Sources | ||
| View GoCardless | View Powens (formerly Budget Insight) |
GoCardless vs Powens (formerly Budget Insight): bank coverage overlap
GoCardless and Powens (formerly Budget Insight) share 43 markets where both connect to banks. GoCardless additionally reaches 11 markets Powens (formerly Budget Insight) does not (AE, BD, BS, EC, GI, KY, MC, PH…), while Powens (formerly Budget Insight) reaches 1 markets GoCardless does not (NZ).
Coverage figures are derived from verified per-bank connectivity data tracked on Open Banking Tracker, not provider marketing claims. See the coverage explorer for the full breakdown by continent.
Choose GoCardless if…
- you need the widest country coverage (54 markets)
- you want the largest number of connected institutions (2,228)
- you prefer a provider headquartered in the United Kingdom
Choose Powens (formerly Budget Insight) if…
- you prefer a provider headquartered in France
Frequently asked questions
What is the difference between GoCardless and Powens (formerly Budget Insight)?
GoCardless vs Powens (formerly Budget Insight): both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). GoCardless has the broader connectivity footprint (54 vs 44 countries of bank coverage), and they overlap on 43 shared markets. GoCardless is headquartered in GB, while Powens (formerly Budget Insight) is based in FR.
Which has wider bank coverage, GoCardless or Powens (formerly Budget Insight)?
GoCardless has wider coverage, reaching 54 countries versus 44 for Powens (formerly Budget Insight). They overlap on 43 shared markets.
Can I use both GoCardless and Powens (formerly Budget Insight)?
Yes. Many teams use more than one open banking aggregator — for example one for its strongest region and another for fallback coverage or specific institutions. Both GoCardless and Powens (formerly Budget Insight) expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.