finAPI vs Powens
finAPI
finapi.io
Powens
powens.comSide by side
| Figure | finAPI | Powens |
|---|---|---|
| Price from | €60/mo | — |
| Free plan | — | — |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 4 | 1 |
| Spec score · Bank Connectivity Software | 8.1 (#10) | 8.2 (#8) |
| Founded | 2008 | The company says it was founded as Budget Insight in 2012 and rebranded as Powens in 2022. |
| Headquarters | Munich, Germany | Paris, France |
| Hosting | The company says it uses servers located in Germany. | Powens says its enterprise plans include dedicated sovereign hosting in France and hybrid on-premise hosting, alongside mutualized SaaS. |
| Integrations | The Banking API includes connections through XS2A, FinTS/HBCI, web scraping and financial service provider APIs; its Access packages also list PayPal API connections. | For business account aggregation, Powens says it connects to PSP wallets such as PayPal, Stripe and GoCardless. |
| Payments | The Payment API supports SEPA transfers, collective transfers, standing orders, scheduled transfers, instant payments, direct debits and collective direct debits. | Its Accounts & Payments products include payment accounts and IBANs, instant SEPA transfers, direct debit and pay by bank. |
| Support | The pricing page says standard support and shared hosting are included with the SaaS licence; premium support, project support, consulting and dedicated hosting are available on request. | Enterprise plans include a dedicated account manager and priority assistance from integration and technical support teams. |
| What it does | finAPI provides cloud-based financial software to aggregate and analyze financial data for businesses and create financial services and online applications. | Powens describes itself as an Open Finance and embedded payments platform that connects financial data and payment workflows through APIs. |
Plans
finAPI
- Access B2C — basic licence, up to 200 users€60 a month
- Data Intelligence PG A — basic licence to 200 calls€80 a month
- finAPI Demobank Lite€99 a month
- Access B2X — basic licence, up to 200 users€100 a month
In their own words
Powens
Powens is an Open Finance and embedded payments platform that connects financial data and payment workflows through APIs. Its aggregation service syncs accounts, transactions, savings, loans, and investments from more than 1,800 banks across 12 EU countries. Accounts refresh daily, while available transaction history varies by bank from 3 to 24 months; live connections can be maintained for six months with daily refreshes. Payment services include IBAN accounts, Direct Debit, Pay by Bank, and instant SEPA transfers through one API and dashboard. Powens says beneficiaries receive funds from its instant SEPA transfers within 10 seconds. It also offers real-time bank identity checks and Spanish IBAN ownership verification. Developers can access API documentation, integration guides, SDKs, connection widgets, an admin console, and a free self-service sandbox. Pricing is on request. Enterprise plans include dedicated hosting and can include an account manager and priority technical and integration support. Powens lists Android, iOS, web, and API access, and says it was founded as Budget Insight in 2012 before adopting the Powens name in 2022.