GoCardless vs TrueLayer: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). TrueLayer has the broader connectivity footprint (64 vs 54 countries of bank coverage), and they overlap on 49 shared markets.
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GoCardless vs TrueLayer at a glance
| GoCardless | TrueLayer | |
|---|---|---|
| Headquarters | GB | GB |
| Market focus | Multi-region | Multi-region |
| Countries covered | 54 | 64 |
| Institutions tracked | 2,228 | 70 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | FCA | FCA, Central Bank of Ireland, PSD2 |
| Sandbox | ||
| Pricing model | Payments: pay-as-you-go per transaction (published); Bank Account Data: freemium (free AIS) | Custom / enterprise quote; payments priced per transaction |
| Free production tier | — | |
| Developer portal | ||
| Sources | ||
| View GoCardless | View TrueLayer |
GoCardless vs TrueLayer: bank coverage overlap
GoCardless and TrueLayer share 49 markets where both connect to banks. GoCardless additionally reaches 5 markets TrueLayer does not (BS, EC, GI, MC, UK), while TrueLayer reaches 15 markets GoCardless does not (CN, CO, ID, IN, JP, KR, LK, MA…).
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 want the largest number of connected institutions (2,228)
- you prefer a provider headquartered in the United Kingdom
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 GoCardless and TrueLayer?
GoCardless vs TrueLayer: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). TrueLayer has the broader connectivity footprint (64 vs 54 countries of bank coverage), and they overlap on 49 shared markets.
Which has wider bank coverage, GoCardless or TrueLayer?
TrueLayer has wider coverage, reaching 64 countries versus 54 for GoCardless. They overlap on 49 shared markets.
Can I use both GoCardless 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 GoCardless and TrueLayer expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.