enable:Banking vs Pluggy: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). enable:Banking has the broader connectivity footprint (41 vs 10 countries of bank coverage), and they overlap on 6 shared markets. enable:Banking is headquartered in FI, while Pluggy is based in BR.
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enable:Banking vs Pluggy at a glance
| enable:Banking | Pluggy | |
|---|---|---|
| Headquarters | FI | BR |
| Market focus | Multi-region | Multi-region |
| Countries covered | 41 | 10 |
| Institutions tracked | 108 | 99 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | — | Open Finance Brasil, Banco Central do Brasil (ITP) |
| Sandbox | ||
| Pricing model | Volume-based (per account accessed / payment), monthly minimum | Subscription (Basic from R$2,500/mo) + custom enterprise |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View enable:Banking | View Pluggy |
enable:Banking vs Pluggy: bank coverage overlap
enable:Banking and Pluggy share 6 markets where both connect to banks. enable:Banking additionally reaches 35 markets Pluggy does not (AT, AU, AX, BE, BG, CA, CY, CZ…), while Pluggy reaches 4 markets enable:Banking does not (BR, CW, RU, US).
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 enable:Banking if…
- you need the widest country coverage (41 markets)
- you want the largest number of connected institutions (108)
- you prefer a provider headquartered in Finland
Choose Pluggy if…
- you prefer a provider headquartered in Brazil
Frequently asked questions
What is the difference between enable:Banking and Pluggy?
enable:Banking vs Pluggy: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). enable:Banking has the broader connectivity footprint (41 vs 10 countries of bank coverage), and they overlap on 6 shared markets. enable:Banking is headquartered in FI, while Pluggy is based in BR.
Which has wider bank coverage, enable:Banking or Pluggy?
enable:Banking has wider coverage, reaching 41 countries versus 10 for Pluggy. They overlap on 6 shared markets.
Can I use both enable:Banking and Pluggy?
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 enable:Banking and Pluggy expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.