Plaid vs Pluggy: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Plaid has the broader connectivity footprint (59 vs 10 countries of bank coverage), and they overlap on 9 shared markets. Plaid is headquartered in US, while Pluggy is based in BR.
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Plaid vs Pluggy at a glance
| Plaid | Pluggy | |
|---|---|---|
| Headquarters | US | BR |
| Market focus | North America and Europe | Multi-region |
| Countries covered | 59 | 10 |
| Institutions tracked | 9,706 | 99 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | FCA, PSD2 | Open Finance Brasil, Banco Central do Brasil (ITP) |
| Sandbox | ||
| Pricing model | Usage-based: per-connected-account + per-request; Pay-as-you-go / Growth / Custom | Subscription (Basic from R$2,500/mo) + custom enterprise |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Plaid | View Pluggy |
Plaid vs Pluggy: bank coverage overlap
Plaid and Pluggy share 9 markets where both connect to banks. Plaid additionally reaches 50 markets Pluggy does not (AD, AE, AL, AT, AU, AZ, BD, BE…), while Pluggy reaches 1 markets Plaid does not (CW).
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 Plaid if…
- you need the widest country coverage (59 markets)
- you want the largest number of connected institutions (9,706)
- your focus market is North America and Europe
- you prefer a provider headquartered in the United States
Choose Pluggy if…
- you prefer a provider headquartered in Brazil
Frequently asked questions
What is the difference between Plaid and Pluggy?
Plaid vs Pluggy: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Plaid has the broader connectivity footprint (59 vs 10 countries of bank coverage), and they overlap on 9 shared markets. Plaid is headquartered in US, while Pluggy is based in BR.
Which has wider bank coverage, Plaid or Pluggy?
Plaid has wider coverage, reaching 59 countries versus 10 for Pluggy. They overlap on 9 shared markets.
Can I use both Plaid 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 Plaid and Pluggy expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.