TrueLayer vs Finicity: Which Should You Choose in 2026?
Choosing between TrueLayer and Finicity 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:
TrueLayer
Open banking payments and data for Europe
Best for you if:
- • Leading European open banking platform
- • Instant bank payments without cards
Finicity
Open banking data and verification solutions
Best for you if:
- • Mastercard-owned open banking platform
- • Industry-leading verification products
| At a Glance |  TrueLayer | |
|---|---|---|
Price | Paid | Paid |
Best For | Developer Tools | Developer Tools |
Rating | —/100 | —/100 |
| Feature | TrueLayer | Finicity |
|---|---|---|
| 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 TrueLayer and Finicity Compare
TrueLayer
Open banking payments and data for Europe
Paid
Finicity
Open banking data and verification solutions
Paid
Who Should Use What?
On a budget?
Both are paid. Compare plans on their websites.
Go with: TrueLayer
Want the highest-rated option?
Neither has been rated yet.
Go with: TrueLayer
Value user reviews?
Neither has user reviews yet.
Go with: TrueLayer
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
TrueLayer
- Our pick for this comparison
Finicity
The Bottom Line
TrueLayer is our pick.
Frequently Asked Questions
Is TrueLayer or Finicity better?
TrueLayer scores high/100 in our evaluation. Both are paid.
What are TrueLayer and Finicity used for?
TrueLayer: Open banking payments and data for Europe. Finicity: Open banking data and verification solutions.
What does TrueLayer cost vs Finicity?
TrueLayer is a paid tool. Finicity is a paid tool. Visit their websites for detailed pricing.