Finicity vs TrueLayer: Which Should You Choose in 2026?
Choosing between Finicity and TrueLayer comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 22, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Finicity
Open banking data and verification solutions
Best for you if:
- • Mastercard-owned open banking platform
- • Industry-leading verification products
TrueLayer
Open banking payments and data for Europe
Best for you if:
- • Leading European open banking platform
- • Instant bank payments without cards
| At a Glance |  TrueLayer | |
|---|---|---|
Price | Paid | Paid |
Best For | Developer Tools | Developer Tools |
Rating | —/100 | —/100 |
| Feature | Finicity | TrueLayer |
|---|---|---|
| Pricing Model | Paid | Paid |
| Editorial Score | — | — |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | Developer Tools | Developer Tools |
How Finicity and TrueLayer Compare
Finicity
Open banking data and verification solutions
Paid
TrueLayer
Open banking payments and data for Europe
Paid
Who Should Use What?
On a budget?
Both are paid. Compare plans on their websites.
Go with: Finicity
Want the highest-rated option?
Neither has been rated yet.
Go with: Finicity
Value user reviews?
Neither has user reviews yet.
Go with: Finicity
3 Questions to Help You Decide
What's your budget?
Both are paid. Pricing won't help you decide here.
What's your use case?
Both are developer tools tools. Compare their specific features to decide.
How important are ratings?
Not all tools have been rated yet.
Key Takeaways
Finicity
- Our pick for this comparison
TrueLayer
The Bottom Line
Finicity is our pick.
Frequently Asked Questions
Is Finicity or TrueLayer better?
Finicity scores high/100 in our evaluation. Both are paid.
What are Finicity and TrueLayer used for?
Finicity: Open banking data and verification solutions. TrueLayer: Open banking payments and data for Europe.
What does Finicity cost vs TrueLayer?
Finicity is a paid tool. TrueLayer is a paid tool. Visit their websites for detailed pricing.