Five Ways to Access European Bank Data in 2026 (And What Each Actually Costs)

Short summary

A detailed breakdown of five ways to access European bank transaction data under PSD2 in 2026, with real cost figures for each path. Options range from direct AISP registration (€4,000–14,000+ upfront, weeks per bank) to aggregator APIs like Plaid and TrueLayer ($0.50–2.00/account/month), Nordigen/GoCardless, and certificate-free middleware services (€2–5/month per app). Each path is evaluated on cost, complexity, lock-in risk, and time-to-market.

• •Direct AISP registration costs €4K–14K+ upfront and requires per-bank debugging
• •Aggregators like Plaid and TrueLayer charge $0.50–2.00/account/month with fast setup
• •Certificate-free middleware services absorb eIDAS requirements for €2–5/month per app

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