Pluggy vs TrueLayer: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). TrueLayer has the broader connectivity footprint (64 vs 10 countries of bank coverage), and they overlap on 9 shared markets. Pluggy is headquartered in BR, while TrueLayer is based in GB.
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Pluggy vs TrueLayer at a glance
| Pluggy | TrueLayer | |
|---|---|---|
| Headquarters | BR | GB |
| Market focus | Multi-region | Multi-region |
| Countries covered | 10 | 64 |
| Institutions tracked | 99 | 70 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | Open Finance Brasil, Banco Central do Brasil (ITP) | FCA, Central Bank of Ireland, PSD2 |
| Sandbox | ||
| Pricing model | Subscription (Basic from R$2,500/mo) + custom enterprise | Custom / enterprise quote; payments priced per transaction |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Pluggy | View TrueLayer |
Pluggy vs TrueLayer: bank coverage overlap
Pluggy and TrueLayer share 9 markets where both connect to banks. Pluggy additionally reaches 1 markets TrueLayer does not (CW), while TrueLayer reaches 55 markets Pluggy does not (AE, AL, AT, AU, BD, BE, BG, CA…).
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 Pluggy if…
- you want the largest number of connected institutions (99)
- you prefer a provider headquartered in Brazil
Choose TrueLayer if…
- you need the widest country coverage (64 markets)
- you prefer a provider headquartered in the United Kingdom
Frequently asked questions
What is the difference between Pluggy and TrueLayer?
Pluggy vs TrueLayer: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). TrueLayer has the broader connectivity footprint (64 vs 10 countries of bank coverage), and they overlap on 9 shared markets. Pluggy is headquartered in BR, while TrueLayer is based in GB.
Which has wider bank coverage, Pluggy or TrueLayer?
TrueLayer has wider coverage, reaching 64 countries versus 10 for Pluggy. They overlap on 9 shared markets.
Can I use both Pluggy and TrueLayer?
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 Pluggy and TrueLayer expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.