GoCardless Bank Account Data vs Powens
GoCardless Bank Account Data
gocardless.com
Powens
powens.comSide by side
| Figure | GoCardless Bank Account Data | Powens |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 4 | 1 |
| Spec score · Bank Connectivity Software | 8.2 (#7) | 8.2 (#8) |
| Spec score · Direct Debit Processing Software | 8.2 (#3) | 8.2 (#4) |
| Coverage | The solution is available in European Economic Area countries subject to PSD2, where GoCardless says it operates as an authorised AISP. | Powens lists data connectivity in 12 EU countries and describes its accounts and SEPA transfer coverage across the SEPA area. |
| Developer tools | GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. | The platform provides API documentation, integration guides, SDKs, customizable connection widgets and an admin console. |
| Founded | 2011 | The company says it was founded as Budget Insight in 2012 and rebranded as Powens in 2022. |
| Headquarters | London, United Kingdom | Paris, France |
| Security | GoCardless says it has been ISO 27001 certified since 2016 and encrypts data at rest and in transit. | Powens says it is ISO 27001 certified and that its security and compliance frameworks are independently tested and audited each year. |
| Support | The Bank Account Data help centre lists support availability Monday to Friday, 9am–5pm GMT. | Enterprise plans include a dedicated account manager and priority assistance from integration and technical support teams. |
| Who it serves | GoCardless says businesses can use its open banking network to access financial data such as account information and transaction history. | Powens lists lending, accounting and invoicing, wealth management, property management, cashback and rewards, retail banking, and payments among its target sectors. |
Plans
GoCardless Bank Account Data
- StandardFree
- AdvancedFree
- ProFree
- CustomPriced on request
In their own words
GoCardless Bank Account Data
GoCardless Bank Account Data is an API for businesses that need account details and transaction data from connected bank accounts. It connects through bank PSD2 APIs and can return account holder names, account identifiers, IBANs, transaction dates, counterparties, descriptions and amounts, plus current and available balances. It can retrieve up to 24 months of transaction history, with continuous access lasting up to 90 days. Data refreshes on demand, and responses use JSON. To connect, an end user chooses a supported financial institution, accepts a GoCardless-hosted consent screen and authenticates through the institution. API requests use an authorization token created with a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Availability is limited to EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may restrict requests to as few as four calls per account per day. Account verification is available only to paying customers; new accounts are unverified by default. The service is paid, with pricing on request, and is available via API and web.
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.