Pluggy vs Powens (formerly Budget Insight): both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Powens (formerly Budget Insight) has the broader connectivity footprint (44 vs 10 countries of bank coverage), and they overlap on 8 shared markets. Pluggy is headquartered in BR, while Powens (formerly Budget Insight) is based in FR.
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Pluggy vs Powens (formerly Budget Insight) at a glance
| Pluggy | Powens (formerly Budget Insight) | |
|---|---|---|
| Headquarters | BR | FR |
| Market focus | Multi-region | Multi-region |
| Countries covered | 10 | 44 |
| Institutions tracked | 99 | 116 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | Open Finance Brasil, Banco Central do Brasil (ITP) | ACPR (France), Bank of Spain |
| Sandbox | ||
| Pricing model | Subscription (Basic from R$2,500/mo) + custom enterprise | Custom / enterprise quote |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Pluggy | View Powens (formerly Budget Insight) |
Pluggy vs Powens (formerly Budget Insight): bank coverage overlap
Pluggy and Powens (formerly Budget Insight) share 8 markets where both connect to banks. Pluggy additionally reaches 2 markets Powens (formerly Budget Insight) does not (CW, RU), while Powens (formerly Budget Insight) reaches 36 markets Pluggy does not (AL, AT, AU, BE, BG, CA, CY, CZ…).
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 prefer a provider headquartered in Brazil
Choose Powens (formerly Budget Insight) if…
- you need the widest country coverage (44 markets)
- you want the largest number of connected institutions (116)
- you prefer a provider headquartered in France
Frequently asked questions
What is the difference between Pluggy and Powens (formerly Budget Insight)?
Pluggy vs Powens (formerly Budget Insight): both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Powens (formerly Budget Insight) has the broader connectivity footprint (44 vs 10 countries of bank coverage), and they overlap on 8 shared markets. Pluggy is headquartered in BR, while Powens (formerly Budget Insight) is based in FR.
Which has wider bank coverage, Pluggy or Powens (formerly Budget Insight)?
Powens (formerly Budget Insight) has wider coverage, reaching 44 countries versus 10 for Pluggy. They overlap on 8 shared markets.
Can I use both Pluggy and Powens (formerly Budget Insight)?
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 Powens (formerly Budget Insight) expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.