Dev tools · alternatives · 2026

24 alternatives to Banking as a Service

API based euro SEPA banking

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Banking as a Service launched in 2022; newer entries below may have overtaken it.

1. 1
   Kelviq▲530

   Hi HN, We've been building Kelviq for the last couple of months and it's finally ready to share. Kelviq is a Merchant of Record (MoR) and monetization platform that you can integrate without building a custom webhook-to-database syncing layer. Along with handling global taxes, checkout, and compliance, it acts as the real-time source of truth for your users feature access and usage credit balances. Why we built this: Through our other project, ParityDeals, we saw firsthand how much founders struggle with billing infrastructure. Integrating a payment gateway is easy, but actually building…

   May 2026 · kelviq.com · its alternatives →

2. 2
   Business Banking APIs by Decentro▲102

   Perform banking functions on top of corporate accounts

   2021 · its alternatives →

3. 3
   Nordigen▲131

   Free open banking API

   2021 · its alternatives →

4. 4
   Mercury▲730

   Banking stack for startups

   2019 · mercury.com · its alternatives →

5. 5
   Mercury API▲289

   API for your business bank account

   2019 · mercury.com · its alternatives →

6. 6
   Bank.io▲99

   Coded fintech mobile app UI kit for iOS 16

   2022 · appsources.gumroad.com · its alternatives →

7. 7
   Solvi▲60

   Dollar banking for Asia Pacific

   2023 · its alternatives →

8. 8
   Bankin▲101

   An automated financial coach available in France 🇫🇷

   2019 · bankin.com · its alternatives →

9. 9
   HyperStreams & UIStreams by Decentro▲297

   Build the fastest identity verification experience ever

   2024 · decentro.tech · its alternatives →

10. 10
    Teller API▲308

    A single API to connect your app with any bank's account

    2017 · teller.io · its alternatives →

11. 11
    Navi▲68

    Loans & health insurance

    2022 · play.google.com · its alternatives →

12. 12
    Waivr API▲191

    Smart recurring payments

    2023 · aspirio.co · its alternatives →

13. 13
    Finnt▲185

    Next-gen banking app for students

    2023 · apps.apple.com · its alternatives →

14. 14
    Current Student Account▲170

    Bringing allowances into the digital age

    2017 · current.com · its alternatives →

15. 15
    Belvo▲134

    Easiest way to connect bank accounts to an app in Latam

    2020 · belvo.com · its alternatives →

16. 16
    Axra▲79

    AI-native global banking on stablecoins for emerging markets

    Mar 2026 · useaxra.com · its alternatives →

17. 17
    Bancor Network▲123

    A decentralized liquidity network for token conversions.

    2017 · bancor.network · its alternatives →

18. 18
    Regulus by Cumbuca▲113

    AI chatbot trained on Brazil's Central Bank regulations

    May 2026 · cumbuca.com · its alternatives →

19. 19
    Holvi Business banking for e-residents▲10

    Borderless digital banking for entrepreneurs

    2017 · support.holvi.com · its alternatives →

20. 20
    Lunar▲91

    Make the most of your money with this Nordic challenger bank

    2020 · lunar.app · its alternatives →

21. 21
    Decentro▲137

    APIs for banking integrations (Plaid for India)

    2020 · decentro.tech · its alternatives →

22. 22
    Triqai▲149

    Turn messy bank transactions into clean, structured data

    Mar 2026 · triqai.com · its alternatives →

23. 23
    The Bancor Wallet▲82

    A decentralized liquidity network for token conversions.

    2018 · app.bancor.network · its alternatives →

24. 24
    Envel▲72

    Smartest bank account

    2021 · envel.ai · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →