GoCardless Bank Account Data Alternatives: What to Use When Signups Are Disabled

Short summary

GoCardless has disabled new signups for its Bank Account Data API (formerly Nordigen's free tier), closing a popular free open-banking option for indie developers and small fintech tools. The article compares five alternatives—open-banking.io, Tink, Plaid, Yapily, and Enable Banking—highlighting that the real cost differentiator is the eIDAS certificate requirement (€2,000–10,000/year) rather than API pricing. A practical migration guide covers endpoint remapping, bank identifier changes, and consent flow differences for developers switching providers.

• •GoCardless Bank Account Data (formerly Nordigen free tier) has disabled new signups, pushing developers to find alternatives
• •eIDAS certificate costs (€2,000–10,000/year) are the hidden tax that makes 'free' open banking APIs expensive in practice
• •Cert-free providers like open-banking.io offer PSD2-compliant access without requiring developers to hold their own certificate

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