finAPI vs Token.io Data
finAPI
finapi.ioToken.io Data
token.ioSide by side
| Figure | finAPI | Token.io Data |
|---|---|---|
| Price from | €60/mo | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 4 | 0 |
| Spec score · Bank Connectivity Software | 8.1 (#10) | 6.8 (#45) |
| Intended customers | finAPI describes its customers as banks, financial service companies, fintechs and companies from other sectors. | Token.io describes its platform as a toolkit for financial service companies including payment gateways, banks, and acquirers. |
| 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. | Token.io's developer documentation directs users to [email protected] for feedback about the documentation. |
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
Token.io Data
Token.io Data is an Account Information Service that lets a customer share bank-account information with a third party after explicit consent. Its API covers account details, balances, standing orders, and transactions. Documented uses include creditworthiness assessment, account-ownership verification, autofill, personal financial management, and balance display. Teams can use Token.io Hosted Pages or an API-only flow, with redirect, embedded, and decoupled authentication options. Data refresh is on demand, and connected banks can be filtered by country and supported features. Token.io states connectivity to over 567 million verified bank accounts in the UK and Europe across 21 countries. Token.io Limited is authorised by the UK FCA as an AISP and PISP; Token.io GmbH is authorised by BaFin as an AISP. The company lists ISO 27001:2013, PCI-DSS Level 1, PSD2, and Cyber Essentials credentials. Pricing is available on request.