TrueLayer Supported Banks: 68+ Institutions (2026)

What is TrueLayer?

TrueLayer is an open banking platform that provides APIs for bank account connectivity and instant bank payments. Founded in London in 2016 by Francesco Simoneschi and Luca Martinetti, TrueLayer has become one of Europe's leading open banking providers.

TrueLayer has raised over $300 million from investors including Stripe, Tencent, Tiger Global, and Temasek. The company powers financial services for major brands including Revolut, Trading 212, Freetrade, Coinbase, and Cazoo.

What TrueLayer Does

Connects apps to bank accounts across Europe
Enables instant bank-to-bank payments (Pay by Bank)
Provides account verification and identity services
Offers variable recurring payments (VRP) for subscriptions

Coverage: UK, Ireland, France, Germany, Spain, Italy, Netherlands, Poland, and other European markets.

Is TrueLayer Safe?

Yes, TrueLayer is safe and fully regulated as a financial institution in the UK and Europe.

Regulatory Status

Authorized by the UK Financial Conduct Authority (FCA) as an AISP and PISP
Registered with financial regulators across Europe
PSD2 compliant with passporting rights across the EU

Security Certifications

ISO 27001 certified (information security management)
SOC 2 Type II certified
Regular penetration testing and security audits
GDPR compliant

Investor Backing

TrueLayer is backed by Stripe (the payments giant), Tencent, and other tier-1 investors who conducted extensive due diligence on security practices.

How TrueLayer Protects You

Your bank credentials are never stored by TrueLayer
OAuth-first approach: You authenticate directly with your bank
End-to-end encryption for all data transmission
Granular consent: You control exactly what data apps can access

How TrueLayer Works

TrueLayer provides two core services: Data APIs for account access and Payments APIs for instant bank transfers.

Data API Flow

1. User clicks "Connect Bank" in an app 2. TrueLayer presents a bank selection screen 3. User authenticates with their bank (via OAuth redirect) 4. TrueLayer retrieves authorized data (balances, transactions) 5. App receives data through TrueLayer's standardized API

Payments API Flow

1. User selects "Pay by Bank" at checkout 2. TrueLayer initiates a payment request 3. User is redirected to their banking app 4. User approves the payment with biometrics/PIN 5. Money transfers instantly from user's bank to merchant

Key Products

Data API: Account aggregation, transaction access, identity verification
Payments API: Single immediate payments, variable recurring payments
Payouts: Send money to bank accounts instantly
Signup+: Pre-fill user information from bank data
Verification: Verify account ownership and identity

TrueLayer Payments Explained

TrueLayer's payment initiation service enables "Pay by Bank"—a way to pay directly from your bank account without using a card.

What is a TrueLayer Payment?

When you see "TrueLayer" on your bank statement, it means you made a payment through an app or website using TrueLayer's payment initiation service. The merchant used TrueLayer to securely initiate a bank transfer from your account.

How Pay by Bank Works

1. At checkout, select "Pay by Bank" or similar option 2. Choose your bank from the list 3. Your banking app opens (or you're redirected to bank website) 4. Approve the payment using your normal bank authentication 5. Money transfers instantly—no card details needed

Benefits of Pay by Bank

Faster: Instant settlement vs. 1-3 days for cards
Cheaper: Lower fees for merchants (savings often passed to consumers)
Secure: No card details to steal, uses bank's own security
Higher limits: Not restricted by card limits

Where You'll See TrueLayer Payments

E-commerce checkouts
Investment platform deposits (Trading 212, Freetrade)
Crypto exchanges (Coinbase)
Gaming and gambling sites
Bill payments

#TrueLayer Supported Banks (68)

Showing 68 of 68 banks tracked

Name	APIs	View
AIB (Allied Irish Banks)	4	View
American Express	1	View
Banco BPM	3	View
Bank of America	3	View
Bank of Ireland	3	View
BANK OF SCOTLAND	6	View
Bank Pekao	4	View
Banque Populaire	6	View
Barclays	9	View
BBVA	3	View
BBVA USA	-	View
Caisse d'Epargne	3	View
CaixaBank	3	View
Capital One	2	View
Citizens Bank	-	View
Comdirect	3	View
Commerzbank	4	View
Crédit Agricole	-	View
Crédit Mutuel	3	View
Danske Bank	3	View
Deutsche Bank	4	View
FIFTH THIRD BANK	-	View
First Direct	9	View
Halifax	7	View
HANDELSBANKEN	2	View
helloBank!	2	View
HSBC	9	View
Huntington Bank	-	View
ING	5	View
Intesa Sanpaolo	7	View
LA BANQUE POSTALE	-	View
Lloyds Bank	9	View
M&S Bank	-	View
mBank	3	View
MBNA	7	View
Metro Bank	3	View
Mettle	3	View
Monzo	2	View
n26	2	View
NATIONWIDE BUILDING SOCIETY	4	View
NatWest	3	View
Nordea	5	View
Permanent TSB	3	View
RABOBANK	6	View
RBS (Royal Bank of Scotland)	2	View
Revolut	2	View
Sainsbury's Bank	2	View
Santander	3	View
SEB	2	View
Société Générale	3	View
Sparkasse	2	View
Starling Bank	2	View
SWEDBANK	7	View
Targobank	-	View
TD Bank	-	View
Tesco Bank	3	View
tide.	4	View
Transferwise	6	View
TSB	3	View
U.S. Bank	2	View
UBI Banca	4	View
Ulster Bank (Nothern Ireland)	2	View
Unicredit	-	View
Union Bank	-	View
Virgin Money UK	4	View
Volksbanken Raiffeisenbanken	-	View
Wells Fargo	2	View
YORKSHIRE BUILDING SOCIETY	4	View

TrueLayer FAQ

What is TrueLayer?

TrueLayer is an open banking platform that provides APIs for bank account connectivity and instant bank payments. Founded in London in 2016, TrueLayer enables businesses to access account data and initiate payments directly from customers' bank accounts. It serves major companies including Revolut, Trading 212, and Freetrade.

Is TrueLayer safe?

Yes, TrueLayer is safe and fully regulated. It's authorized by the Financial Conduct Authority (FCA) in the UK as both an AISP and PISP, and holds equivalent licenses across Europe. TrueLayer uses end-to-end encryption, is ISO 27001 certified, and undergoes regular security audits. The company has raised over $300M from top investors including Stripe and Tencent.

What is a TrueLayer payment on my bank statement?

A TrueLayer payment on your bank statement indicates you made a payment through an app or website that uses TrueLayer's payment initiation service. TrueLayer acts as the secure intermediary facilitating the bank transfer. The payment was authorized by you through your banking app. If you don't recognize the payment, check recent purchases from merchants using instant bank payments.

Which banks does TrueLayer support?

TrueLayer supports major banks across the UK, Ireland, France, Germany, Spain, Italy, Netherlands, and other European countries. In the UK, this includes all major high street banks (HSBC, Barclays, Lloyds, NatWest, Santander) plus digital banks like Monzo, Revolut, and Starling. Browse the complete TrueLayer bank coverage list on this page.

How do TrueLayer payments work?

TrueLayer payments (also called 'Pay by Bank') work by initiating a bank transfer directly from your account. When you choose to pay with TrueLayer, you're redirected to your banking app to authorize the payment. The money transfers instantly from your account to the merchant—no card details needed. It's faster than card payments and typically has lower fees for merchants.