Pluggy vs Powens
Pluggy
pluggy.ai
Powens
powens.comSide by side
| Figure | Pluggy | Powens |
|---|---|---|
| Price from | 2.50 BRL/mo | — |
| Free plan | — | — |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 2 | 1 |
| Spec score · Bank Connectivity Software | 7.7 (#23) | 8.2 (#8) |
| Spec score · Financial Data APIs | 7.7 (#17) | 8.2 (#6) |
| Coverage | Pluggy says its API connects to more than 220 financial institutions in Brazil. | Powens lists data connectivity in 12 EU countries and describes its accounts and SEPA transfer coverage across the SEPA area. |
| Developer tools | The developer page lists SDKs for Node, Python, .NET, and Java, a Pluggy Connect authorization widget, and a sandbox. | The platform provides API documentation, integration guides, SDKs, customizable connection widgets and an admin console. |
| Founded | 2019 | The company says it was founded as Budget Insight in 2012 and rebranded as Powens in 2022. |
| Headquarters | São Paulo, Brazil | Paris, France |
| Integrations | Pluggy lists Conta Azul, Nibo, MarketUP, Kamino, Cloud Gym, TOTVS, Ottimizza, Bom Controle, F360, and Granatum as customer platforms. | For business account aggregation, Powens says it connects to PSP wallets such as PayPal, Stripe and GoCardless. |
| Payments | Its Payments product supports Pix initiation, one-time charges, recurring Pix Automatic payments, and cash management. | Its Accounts & Payments products include payment accounts and IBANs, instant SEPA transfers, direct debit and pay by bank. |
| Security | Pluggy says its connection is encrypted and that users’ access credentials are not shared with third parties. | Powens says it is ISO 27001 certified and that its security and compliance frameworks are independently tested and audited each year. |
| Support | Pluggy offers ticket support and a Discord community, with specialized technical support and ticket SLA for Pro and Enterprise customers. | Enterprise plans include a dedicated account manager and priority assistance from integration and technical support teams. |
Plans
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.