Verification · 6 providers · 22 countries
Providers for account ownership checks by country
An account ownership check proves the user holds an account by linking it at their bank. The bank returns the holder's name where it reports one. The catalogue lists 6 providers that offer account ownership checks across 22 countries. Unirail routes account ownership checks to Enable Banking, Plaid and Yapily in 15 countries today.
Who offers account ownership checks, country by country
Each row is a provider and each column a country, with the busiest countries first. Filled dots are where Unirail routes it today. Rings come from each provider's documentation.
| Provider | FI | GB | DK | EE | FR | DE | LV | LT | NL | NO | ES | SE | AT | BE | IE | IT | PT | PL | SK | US | CA | JP |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enable Banking Open banking provider · 14 countries | integrated | no | no | integrated | integrated | integrated | integrated | integrated | integrated | no | integrated | no | integrated | integrated | integrated | integrated | integrated | no | integrated | no | no | no |
| Plaid Open banking provider · 20 countries | listed | integrated | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | no | listed | listed | no |
| Yapily Open banking provider · 1 country | no | integrated | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no |
| Moneytree Account data · 1 country | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | no | listed |
| Neonomics Open banking provider · 4 countries | listed | no | listed | no | no | no | no | no | no | listed | no | listed | no | no | no | no | no | no | no | no | no | no |
| Tink Open banking provider · 12 countries | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | listed | no | no | no | no | no | no | no | no | no | no |
Scroll the table sideways to see every country.
- Integrated (Unirail routes to it)
- Listed (from the provider's documentation)
How Unirail routes account ownership checks
Connect Enable Banking, Plaid and Yapily in the dashboard. Your credentials stay in your own vault. Each time your backend asks for a decision, Unirail picks one of the providers you've connected for account ownership checks in that country by cost under your contracts, ETA and success likelihood. The decision also ranks the alternatives and gives a reason for any it ruled out.
-
Enable Banking
Integrated
- Austria (integrated)
- Belgium (integrated)
- Estonia (integrated)
- Finland (integrated)
- France (integrated)
- Germany (integrated)
- Ireland (integrated)
- Italy (integrated)
- Latvia (integrated)
- Lithuania (integrated)
- Netherlands (integrated)
- Portugal (integrated)
- Slovakia (integrated)
- Spain (integrated)
-
Plaid
Integrated
- United Kingdom (integrated)
-
Yapily
Integrated
- United Kingdom (integrated)
The other 3 providers are listed for comparison. Talk to us if you contract with one.
Sources
Every listed row links to the provider page it came from and the date it was read. Integrated rows come from Unirail's adapter.
| Provider | Status | Countries | Source | Checked |
|---|---|---|---|---|
|
Enable Banking
Unirail records the account as verified because the user linked it themselves (own link). |
Integrated |
14 countries:
|
Unirail's Enable Banking adapter | 18 October 2026 |
|
Plaid
Unirail records the account as verified because the user linked it themselves (own link). |
Integrated |
1 countries:
|
Unirail's Plaid adapter | 18 October 2026 |
|
Plaid
Plaid Identity returns the holder's name, address, email and phone. |
Listed |
19 countries:
|
plaid.com/docs/identity | 8 October 2026 |
|
Yapily
Unirail records the account as verified because the user linked it themselves (own link). |
Integrated |
1 countries:
|
Unirail's Yapily adapter | 18 October 2026 |
|
Moneytree
From this listing's earlier research; not re-checked yet. |
Listed |
1 countries:
|
getmoneytree.com | Not re-checked |
|
Neonomics
Limited to four calls a day. |
Listed |
4 countries:
|
neonomics.io/market-coverage | 8 October 2026 |
|
Tink
Account Check returns the holder's name. |
Listed |
12 countries:
|
docs.tink.com/resources/tink-link-web/tink-link-we… | 8 October 2026 |