Research

Hier kommen die 285 „Open Banking“-Anbieter in Europa

29. Juni 2021

Von Heinz-Roger Dohms und Julian Kügelgen

Beim Blick auf die API-Fintechs fühlte man sich zuletzt an das Matrjoschka-Prinzip erinnert: Der Münchner Anbieter Fintecsystems will im schwedischen Konkurrenten Tink aufgehen – und der wiederum Teil des US-Riesen Visa werden. Droht da womöglich eine Marktkonzentration? Aber nicht doch, sagt Visa. Und weist darauf hin, dass es in Europa ja „mehr als 440 Open-Banking-Anbieter“ gebe, die Übernahme von Tink – so der Subtext – also überhaupt kein Problem darstelle.

Nun lassen wir mal dahingestellt, ob Visa hier wirklich schlüssig argumentiert (es ist ja nicht jeder Open-Banking-Anbieter ein API-Fintech. Im Gegenteil: Viele Open-Banking-Anbieter brauchen ein API-Fintech, um ihre Open-Banking-Dienste überhaupt erst anbieten zu können …). Denn was uns gestern vielmehr interessierte, das war die schiere Zahl: 440?! Sind es wirklich so viele? Finanz-Szene hat sich auf die Suche gemacht. Und ist in einer Datenbank der europäischen Bankenbehörde EBA zumindest mal auf 287 Anbieter gestoßen, die entweder a) über eine Lizenz als Zahlungsauslöse-Dienst oder b) über eine Lizenz als Kontoinformations-Dienst oder c) über beides verfügen.

Sehen Sie also hier: Sämtliche für uns gestern recherchierbaren europäischen Open-Banking-Anbieter auf einen Blick, mit besonderer Hervorhebung der 37 deutschen Anbieter sowie jener gut 130 Anbieter, die über eine Berechtigung zur Zahlungsauslösung bzw. Kontoinformations-Dienstleistung im deutschen Markt verfügen. Voilà:

Äh, sorry, vor dem „Voilà“ noch ein kurzer Glossar:

  • ZAD: Zahlungsauslösedienst
  • KID: Kontoinformationsdienst
  • in D.: Mit gültiger Lizenz für den deutschen Markt
Name Land ZAD KID ZAD in D. KID in D.
IPS Solution Cyprus   x   x
Foxpay Lithuania x x    
ConnectPay Lithuania x x    
Argentum mobile Lithuania x x x x
DiPocket Lithuania x x x x
Tenen Payments Bulgaria x x    
Market Pay France x      
Stripe Technology Europe Ireland x x x x
Viva Payment Services Greece x x    
Docomo Digital Payment Services Liechtenstein x x x x
Nexi Payments Italy x x    
Secure Nordic Payments Lithuania x   x  
EasyPay Bulgaria x x    
Soldo Financial Services Ireland x x x x
Google Payment Lithuania Lithuania x x x x
Revolut Payments Lithuania x x x x
Paysera Lithuania x x x x
Neo Finance Lithuania x x x  
Sonect Europe Lithuania x x x x
Nikulipe Lithuania x x x x
EcommBX Cyprus   x   x
NETinfoPAY Cyprus   x   x
Enel X Italy x x    
Curve Europe Lithuania x x x x
Demivolt Lithuania x x    
Flowe Italy x x    
inHouse Pay Estonia x x    
Postepay Italy x x    
Unnax Spain x x    
Mbills Slovenia x x x x
Paysafe Payment Solutions Ireland x x x x
Cosmote Payments Greece x x    
Perlas Finance Lithuania x x    
Sefide Spain x x    
MyFin Bulgaria x x    
B2 Mobility Germany x x x x
Gopay Czech x x    
VR Payment Germany x x x x
Esprit Card Services Germany x x x x
First Data Germany x x x x
Concardis Germany x x x x
Payone Germany x x x x
PayCenter Germany x x x x
Zalando Payments Germany x x x x
Buy Way Belgium x x    
Safe Connect Lithuania x x    
Brite Sweden x x x x
Mastercard Payment Services Denmark Denmark x x    
Primaton Italy x x    
Krajowa Izba Poland x      
FinMaster Netherlands   x    
Budget Inside France x x x x
Krajowy Integrator Poland x x    
Maif Paiements France x x    
Fire Financial Services Ireland x x x x
Ceron Netherlands   x    
Infinipi Sweden x x    
Alma France   x    
Billingo Technologies Hungary   x    
Rocker Sweden   x   x
Aiia Denmark x x x x
Payer Financial Services Sweden x x x x
Tellow Netherlands   x    
Tintel Netherlands   x    
Nuapay France x   x  
eCard Poland x x    
mPay Poland x x    
TryPay Spółka Poland   x    
Grupa „LEW“ Poland x x    
Kardynał&Kardynał Poland x x    
Dimoco Austria x x x x
Token Germany x x x x
Finshark Sweden x x    
Creditinfo Estonia   x    
Smart Fintech Romania x      
Minna Technologies Sweden   x    
QPLIX Germany   x   x
Fexco Corporate Payments Ireland x x x x
Online Payment Platform Netherlands x x x x
Peaks Netherlands x x x x
Financial Transaction Services Netherlands x x x x
MoneyMonk Netherlands   x    
Floryn Netherlands   x    
Buddy Payment Netherlands   x    
Ockto Netherlands   x    
12Budget Netherlands   x    
Lendex Netherlands   x    
Plaid Netherlands   x   x
iban-XS Netherlands x x x x
My.Financier Estonia   x    
ZTL Payment Solution Norway x x    
Flowpay Italy x x    
Afone Paiement France x x x x
Platební instituce Roger a.s. Czech x x    
Payconiq Luxembourg x      
Score & Secure Payment France x x x x
Monner Norway x x    
Blue Media Poland x x x x
PayU Poland x x x x
PayPro Poland x x    
SIA „Nordigen Solutions“ Latvia   x   x
Iris Solutions Bulgaria x x x x
Buckaroo Netherlands x x    
Flow Money Automation Netherlands x x    
Eurobits Spain x x   x
Morpheus Spain x x x x
Hobex Austria x   x x
Neonomics Norway x x x x
Kevin EU Lithuania x x x x
Bambora Sweden x      
Tink Sweden x x x x
Trustly Group Sweden x x x x
Zimpler Sweden x x x x
Open Payments Europe Sweden x x    
Oxlin France x x x x
Perspecteev France x x x x
Lyra Collect France x x    
Fintecture France x x x x
Iliad 78 France x x    
finleap connect Germany x x x x
Unzer E-Com Germany x x x x
FinTecSystems Germany x x x x
Sofort Germany x x x x
MRH applications Germany   x   x
Payout Slovakia x x x x
fino run Germany x x x x
JCC Payment Systems Cyprus   x    
Montonio Finance Lithuania x x    
Finnovative Solutions Lithuania x x    
Credit Agricole Payment Systems France x      
AMC Consult Denmark x x    
Qred Sweden x x    
Inespay Financial Technologies Spain x      
Olinda France x x x x
Jortt Netherlands   x    
mElements Poland x x    
Maksekeskus Estonia x      
Horde Norway x x    
Zensum Sweden x x    
Avy Finans Sweden x      
PE Accounting Sweden x      
Roger.ai Denmark x      
Invers Netherlands   x    
SkillSource Netherlands   x    
Meieni Estonia x      
Lendo Part of Schibsted Norway x x    
Paymento Financial Poland x      
Teamsystem Payments Italy x x    
Budapest Eszközfinanszírozó Hungary x x    
Oney Spain   x    
Together Connected Belgium x x    
Crumblo Estonia x x    
Iren Mercato Italy x x    
Enfuce License Services Finland x x x x
Youcal Sweden x x    
Twinfield International Netherlands   x    
B+S Banksysteme Germany x x x x
Dyme Netherlands   x    
Bizcuit Payments Netherlands x x    
Exact Payment Services Netherlands x x    
BV Transaction Services Germany x x x x
Fabrick Italy x x    
Cardlink Greece x x    
Verimi Germany x x x x
Comeco Germany x x x x
Benxy Czech x x    
Fortnox Finans Sweden x x    
Fintonic Spain x x    
Borca Bulgaria x x    
wealthpilot Germany   x   x
CrossQuantum France x x    
OptioPay Germany   x   x
Haufe Germany x x x x
Rentablo Germany   x   x
VR Smart Guide Germany   x   x
Bankomat AB Sweden   x    
BANKSapi Germany x x x x
CodeCamp:N Germany   x   x
Forteil Germany   x   x
CHECK24 Kontomanager Germany x x x x
Cake Belgium x x x x
Bolageriet Sweden   x    
Mondido Payments Sweden x      
Savelend Europe Sweden   x    
VÖB-ZVD Processing Germany x x x x
KWS Kontowechsel Service Germany   x   x
Buhl Data Service Germany x x x x
finAPI Germany x x x x
treefin Germany x x x x
dwins Germany   x   x
CashBee France x x    
Corvus Pay Croatia x      
W&Z FinTech Germany   x   x
Bitpanda Payments Austria x      
Lunar Way Denmark x x    
Billie Germany   x   x
Let’s Didid Belgium x x    
Isabel Belgium x x x x
Nouvelle Vague France x x    
ePassi Clearing Finland x x    
Digiteal Belgium x x    
Vipps Norway x x    
Bonsai Belgium x x    
Unifiedpost Payments Belgium x x x x
Checkout Finland Finland x   x  
Svea Payments Finland x x    
Holvi Payment Services Finland x x    
iBanFirst Belgium x x    
Paytrail Oyj Finland x x    
Worldline Belgium x x x x
Comarch Finance Connect Poland   x    
Bankart Slovenia   x    
Indentity Consortium Croatia   x   x
Utego Italy   x    
Anyfin Sweden   x   x
M-iTrust France   x   x
Easy Check Poland   x    
inFakt Poland   x    
AIS Gateway Poland   x    
Transactionlink Poland   x    
Kreditz Sweden   x    
CommonSign Lithuania   x   x
BudgetBakers Czech   x   x
Budgetbutler Denmark   x    
noitso Denmark   x    
Augias Corp Belgium   x    
Verge Capital Ireland   x   x
Banqware Poland   x   x
Toshl Slovenia   x   x
Circit Ireland   x   x
CRIF RealTime Ireland   x   x
Intuit France France   x   x
Aggreg8 Hungary   x   x
Recash Europe Hungary   x   x
Monthio Denmark   x   x
Kontomatik Lithuania   x   x
Instantor Sweden   x    
Transaction Connect France   x   x
CrediNord Finland   x    
Humla Sweden   x    
Gaurus Croatia   x    
Capuchin Denmark   x    
Subaio Denmark   x   x
ePassi Finland   x    
Finax Slovakia   x    
Optimize Savings Sweden   x    
Consorzio per la tutela del credito Italy   x    
Zervant Finland   x   x
Connectly Lithuania   x    
Widmee France   x    
OK Perintä Finland   x    
Kontomatik Poland   x    
Ramp Link Poland   x    
1. PF Finance Czech   x    
Koin Europe Hungary   x    
Enable Banking Finland   x    
Enfuce License Services Finland   x   x
BPCI Software France   x    
GuiSquare Belgium   x    
Findity Sweden   x    
Collateral Solutions Finland   x    
Loyal Denmark   x    
Tesoralia Spain   x    
33Reasons Belgium   x    
Kontolink Denmark   x    
Billy Denmark   x    
KBOSS.hu Hungary   x    
Spendee Czech   x   x
Suomen Asiakastieto Finland   x    
Holvi Payment Services Finland   x    
Vigicorp France   x    
SI- Expertise France   x    
Paytrail Finland   x    
Bokoredo Sweden   x    
OÜ Krediidiregister Estonia   x    
Asteria Sweden   x    
Adwifi Sweden   x    
  Sweden   x    
Gimi Sweden   x    
Habity Sweden   x    
ICA Spara Sweden   x    
Identitrade Sweden   x    
Zlantar of Sweden Belgium   x   x
Accountable France   x    
Harvest Iceland   x  

NEWSLETTER

Deutschlands führender Banken-Newsletter. Jetzt abonnieren!

Share

Share on facebook
Share on twitter
Share on linkedin
Share on xing